Savings accounts

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  If you can't decide what savings account is for you, go to compare savings accounts to view all the accounts we offer and information about them.
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  Find out information on savings account rates.
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4 This rate includes a fixed introductory bonus of 1.65% for the first 18 months from account opening.
5 Charge equivalent to 160 days tax free interest on the amount withdrawn.

Interest rates quoted are for interest paid annually.

1 Including a fixed introductory twelve month bonus of 1.50%.
2 Including a fixed introductory twelve month bonus of 0.80%.

Key:

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You can save up to £5,640 in the 2012/13 tax year with one of our cash ISA accounts and feel comfortable in the knowledge that your savings are tax free. Here are the cash ISA savings accounts available.

Need help choosing the right ISA? We have some tips for helping you decide which ISA is best for you.

ISA’s (Individual Savings Account) were set up by the Government, as a simple way for you to save money while taking advantage of not having to pay tax on your earnings. You can save up to £5,640 tax free in the 2012/13 tax year, which means you don’t have to pay tax on the interest you earn with a cash ISA. With a stocks and shares ISA you have no personal liability to income tax or capital gains tax. We explain more about ISAs in our ISA advice and guidance section.

There are several benefits to having an ISA:

• Simple to open.
• Access to your money.
• Save as little or as much as you want to each month without exceeding the annual ISA allowance. You will not be notified if you go over the limit and will need to manage your account.
• Easy to manage through our Internet Banking service.
• Tax free savings accounts - by using one of our ISA accounts you won’t pay tax on your savings.

• Think about whether you've got money tucked away in current accounts or other savings accounts that you could put into an ISA and not pay tax on your earnings.
• Start your ISA saving early in the tax year so that you benefit from the tax advantages for longer.
• Remember if you withdraw any money, you cannot replace it in the same tax year if you have already used your full ISA allowance. For example, if you save £5,640 then take out £500, you cannot make another deposit until the next tax year.

Tax treatment depends on your individual circumstances and may change.

If you already have a Lloyds TSB savings account, then you'll find the following information useful for making the most out of your account.

• Save the Change®. Register for Save the Change® and every time you make a purchase with your Lloyds TSB Visa debit card, we'll round up the amount you spent to the nearest pound.
• Turn off paper statements. Quickly find what you are looking for - search your statements instantly. Cut down on paperwork by stopping your postal statements.
• Transfer money from a non Lloyds TSB account with our savings transfers form, simply complete and take into your nearest branch.
• Set up a standing order. Saving regularly from your current account is the easy way to grow your savings.
• Personalised account name. You can rename your account to suit you, such as 'holiday', 'rainy day' or simply 'savings'. All you need to do is click on your account in Internet Banking and change the account name.
• Transfer money instantly between your savings and Lloyds TSB current account.

1. Do I need to pay tax on my savings? Yes, if you are a tax payer. However, Individual Savings Accounts (ISAs) are a flexible tax-efficient way to invest in cash, stocks and shares (including Unit Trusts, OEICS & Investment Trusts). You can save up to £5,640 tax free in the current tax year with a cash ISA. A tax year runs from 6 April one year to 5 April the next. For non ISA accounts you can register for gross interest in branch or by completing an HMRC R85 form if you are a UK resident non tax payer.

2. Where can I access account terms and conditions? You can access terms and conditions for your account from each product page. These will be named for example 'View eSavings Account important information'.

3. How do I stop receiving paper statements? To stop receiving paper statements, use the 'Go paperless' link on your account statement page. Follow the instructions, then click to confirm.

4. Are my savings safe? The Financial Services Compensation Scheme protects up to £85,000 (or £85,000 each for joint account holders - £170,000 altogether) of the deposits in savings and current accounts you have with each separately licensed bank. Information on the Financial Services Compensation Scheme and full details of the companies covered by the different banking licenses are available here: Financial Services Compensation Scheme (FSCS).

5. Can I view previous rates for all savings accounts? Yes, you can view all
previous rates here.

6. When does my bonus come to an end? You can check when you opened your account by logging into Internet Banking and looking back at your statement to see when you opened the account. This will help you understand when your bonus comes to an end.

7. Where can I find my current interest rate? Log into Internet Banking and click on your savings account name. Here you will find a link that reads 'View interest rates and account details'. A dropdown of your interest rate will appear. Register today for Internet Banking.

If our top 7 most asked account questions don't help you, use our online help tool or call us.