THE BENEFITS OF BELONGING TO CLUB LLOYDS
Welcome to Club Lloyds 1
Your Club Lloyds benefits
Current account credit interest 2
Banking Offers 4
Lifestyle Benefits 6
Interest and fee-free Planned Overdraft 8
Using your account
Your debit card 10
Everyday Offers 11
Switch to Club Lloyds 12
Ways to bank 13
Money when travelling 15
Moving your money 16
Money Manager 18
Other services 19
Welcome to Club Lloyds
I’ve got a current account
with more to offer
Get the most from your Club Lloyds benefits
Welcome to Club Lloyds. Whether you’ve
just opened a Club Lloyds account or
added Club Lloyds benefits to your existing
account, we want to help you get the most
from its benefits.
• Pay two different Direct Debits from your
account each calendar month and you’ll
qualify for variable, tiered credit interest
on balances from £1 to £5,000.
• Exclusive access to Club Lloyds banking
offers – details on pages 4-5.
• Select your Lifestyle Benefit if you haven’t
already. You’ll receive more details in
the next few days about how to do this –
details on pages 6-7.
• You can apply for an interest and fee-free
Planned Overdraft – details on page 8.
• Move all your payments to your Club
Lloyds account in just seven working days
with the Current Account Switch Service –
details on page 12.
• Register for internet, mobile or telephone
banking as well as Money Manager at
• Sign up for Everyday Offers, activate your
offers and start earning up to 15% cashback
when you use your Lloyds Bank debit card
– details on page 11.
• Register for It’s On Us at
Club Lloyds offers will change from time to
time. If you've added Club Lloyds benefits
to your existing Added Value account, or
upgraded from a Classic account, some of
the features of your account may change
(See notes on page 21).
As long as you pay
£1,500 or more into your
account each month,
we’ll waive the £5 Club
Lloyds monthly fee. If in
any month you don’t pay
in this amount, you will
need to pay the fee.
Current account credit interest
Making the most
of my money
Tiered credit interest rates
With Club Lloyds you can earn interest on
the money in your current account. It offers
variable, tiered interest rates up to 4% AER
/3.93% Gross, so the more money you have
in your account, the more interest you could
receive on balances from £1 to £5,000.
Interest rates are calculated daily on the
balance that’s in your account, so even if
your balance fluctuates from the beginning
of the month to the end, you could still be
On balances between £4,000 – £5,000
you could earn
4% AER variable
To qualify for credit interest you need to
pay two different Direct Debits from your
Club Lloyds current account each calendar
month. If there’s a calendar month where
you don’t have two different Direct Debits
paid from your account, you won’t get any
interest on the money in your account for
Interest is paid monthly into your account
at the end of the first working day of each
month, and the interest cycle runs from the
second working day of one month to the
first working day of the next.
We don’t pay interest on amounts over
£5,000. Please speak to us about our range
of savings accounts, including the exclusive
Club Lloyds Saver and Club Lloyds Monthly
Current account credit interest
Club Lloyds interest rates
Club Lloyds interest rates are variable and apply to your whole balance.
For example, if you have £4,000 in your account for 365 days, you’ll receive an
interest rate of 4% AER/3.93% Gross variable on your entire balance as long as
you pay two different Direct Debits from your account each calendar month.
I’d like offers on other
banking products too
Exclusive offers just for Club Lloyds customers
As a Club Lloyds customer you have
exclusive access to two savings accounts:
Club Lloyds Saver
A variable rate savings account for 12 months.
The account gives you instant access and you
can choose to receive interest monthly
Club Lloyds Monthly Saver
Save between £25 and £400 every month
via standing order. Rates are fixed for the
one-year term of the account with interest
paid on maturity.
To find out more visit us in branch, go online
lloydsbank.com/savings or call us on
0345 300 0000.
As a Club Lloyds customer you can take
advantage of an exclusive 0.20% discount
on your initial mortgage rate.
You must have a Club Lloyds current
account open at the time of mortgage
application. This discount does not apply
to Local Lend a Hand, Shared Equity,
Shared Ownership, Negative Equity and
Buy to Let mortgages.
For more information go online
lloydsbank.com/mortgages, use our
online form to book an appointment
in branch to see one of our dedicated
Mortgage and Protection Advisers, or
call us on 0800 783 3534.
YOUR HOME MAY BE REPOSSESSED
IF YOU DO NOT KEEP UP REPAYMENTS ON
These are our current Club Lloyds banking offers – they are only available to Club Lloyds
customers. We might change them from time to time. Please ask in branch or visit
lloydsbank.com/club-lloyds for details of the latest offers. Other offers may also be
available in the future, so always ask before taking out a Lloyds Bank product.
As a Club Lloyds customer we’ll give you
a 10% discount when you take out a new
combined buildings and contents policy, or
upgrade from a buildings only or contents
only policy to a combined one.
The Club Lloyds offer is only available
on Home Solutions and Home Options
products and is not available via comparison
sites. Minimum premiums may apply –
please see the separate offer conditions for
For more about our Home Solutions
insurance visit us in branch or call us
on 0800 022 4857. For Home Options
insurance please call us on 0800 056 0122
or go online lloydsbank.com/insurance
Lloyds Bank Home Solutions and Home
Options are underwritten by Lloyds Bank
General Insurance Limited.
As a Club Lloyds customer when you open
a Lloyds Bank Choice Rewards Credit Card
account we’ll refund £12 of the £24 annual card
fee. If you are an existing Choice Rewards Credit
Card holder you will receive this refund if you
hold a Club Lloyds current account when your
next annual fee is charged. Conditions apply.
Choice Rewards allows you to collect Choice
points almost anywhere you go and use your
points to get cashback, shopping vouchers,
travel rewards and magazine subscriptions.
To find out more about this offer, the offer
conditions and the other credit cards
that may be available to you please visit
lloydsbank.com/cards, ask in branch or
call us on 0345 606 2172.
Purchase rate: 18.94% p.a. variable
Representative 23.7% APR variable
Based on borrowing £1,200 over 12 months with
an annual fee of £24. Credit limits and interest rates
will vary based on your individual circumstances.
Lifestyle Club Lloyds Benefits
A more rewarding
Offering a choice of benefits as standard
As a Club Lloyds customer you can choose one of three Lifestyle
Benefits, each year per account, as part of your account benefits
package, as long as you remain a Club Lloyds customer.
Annual Gourmet Society
membership typically gives
you deals like ‘2 for 1’ or
25% off food and drink at
over 6,000 participating
national chains, award
winners and local favourites.
6 Vue or Cineworld tickets
valid at over 80 locations
across the UK for use
throughout the year.
Tickets will be automatically
allocated for the cinema
chain closest to your
home address. You can
switch the cinema chain
within the first 30 days of
opening your account.
An annual magazine
subscription – choose
from a selection of printed
and digital magazines
published either by Hearst
Cosmopolitan, Prima and
Men's Health (available
digitally on Apple devices), or
from Bauer Media including
Bike, Car, FHM and Today's
Golfer (available digitally
on Apple and compatible
What happens next?
Full information about the Lifestyle Benefit
you’ve chosen will be sent to you shortly by
email or by post and will include all of the
information you need including:
• Confirmation of what you’ve chosen
with all the details about when and how
you’ll receive it.
• All the information you need to choose
a Lifestyle Benefit if you haven’t already.
• What to do if you want to cancel or you've
changed your mind (within 30 days).
• Plus all of the terms and conditions you
need to read about your chosen benefit
as well as details of any exclusions
If you don’t receive anything within 14 days,
or have any queries that you’d like to discuss
please call 0345 303 0303 (8am–10pm,
seven days a week). You can also call this
number to choose your Lifestyle Benefit if
you haven’t already, or to change the one
you’ve selected – as long as it’s at least three
working days after you open your account.
Key terms and conditions
Lifestyle Benefits are administered by The Grass Roots
Group UK Ltd, Pennyroyal Court, Station Road, Tring,
Herts, HP23 5QZ. Company Registration Number
4155659. They use different 3rd party suppliers to
provide each benefit. These are subject to the
supplier’s terms and conditions. Benefits can’t be
combined with any other offer or exchanged for cash
or other alternatives. One benefit per account is
available each 12 months. The selection may be
subject to change upon notice by us or the supplier.
Exclusions apply. You can change or cancel the choice
you made at account opening within 30 days. If you did
not make a selection when you joined Club Lloyds you
can do so by contacting 0345 303 0303 or visiting
lloydsbank.com/club-lloyds If you do this more than
30 days after you open or upgrade your account you
will receive your Lifestyle Benefit on a pro rata basis.
After that the selected benefit can only be changed
within a restricted window around the anniversary of
when you opened the account. We will write to you to
remind you about this closer to the time. All Lifestyle
Benefits are subject to terms and conditions.
Cinema tickets – cinema codes can only be exchanged
for a Standard 2D admission ticket at either Vue or
Cineworld Cinemas (dependent on the issuing chain), or
as part payment towards a 3D or other special
admission. Exclusions are detailed in the Lifestyle
Benefits terms with your welcome letter. The codes may
not be used to reserve an admission ticket by telephone
and can’t be used after the expiration dates allocated.
Each code can only be used once subject to availability.
Annual Gourmet Society membership – participating
restaurants may change at any time and discounts
and availability may vary. Advance booking may be
required. You can’t use the card with any set menus.
Magazine subscription – if you choose a digital
magazine title you must provide a valid email address.
It can take up to six weeks to receive the first publication
from confirming the title you want to receive.
Subscriptions may not include promotional items
packaged with the magazine.
Interest and fee-free overdraft
Support for when
things get a little tight
Club Lloyds Planned Overdraft
We support Club Lloyds customers with an
interest and fee-free Planned Overdraft of up to
£100 subject to application and approval. This
gives you some financial flexibility, without the
worry of overdraft fees or interest.
If you have added Club Lloyds benefits to an
existing Added Value account, the interest
and fee-free amount for that account remains
unchanged, unless you have added Club Lloyds
to your Silver account.
Where you have added Club Lloyds to an
existing Silver account you will now be able
to apply for the Club Lloyds interest and
fee-free Planned Overdraft amount of up to
£100 , however if you already have a Planned
Overdraft of £100 or more, we will automatically
increase your interest and fee-free amount
from £50 to £100.
You can find more details about all our overdraft
fees, and an explanation of how our overdrafts
work in our ‘Banking Charges Guide’ at
All overdrafts are subject to our assessment of
your circumstances and are repayable in full on
demand. You must be aged 18 or over to apply.
Applying for your overdraft
If you didn’t apply for your overdraft when
you opened your account and want to apply
for a Planned Overdraft, you can do this in
branch or call us on 0345 300 0000 to apply.
Our grace period gives you until 3.30pm
(UK time) to pay in enough money to avoid
Returned Item Fees and ensure the payment
goes out, but you have until midnight to avoid
overdraft fees and interest. The money needs
to be immediately available to use, so you
could transfer money from another personal
account you have with us via Mobile, Internet
or Telephone Banking or pay in cash over the
counter in branch.
If you use a Planned Overdraft limit of £1,200 the
overdraft interest rate we charge on the first £50 for
Silver accounts or £100 for Club Lloyds Silver accounts
will be 0% EAR variable.
The overdraft interest rate on the remaining amount
up to £1,200 will be 19.94% EAR variable and a
Monthly Overdraft Usage Fee of £6 will apply.
EAR is the Equivalent Annual Rate. This is the
actual annual rate of an overdraft. It doesn’t take into
account other fees and charges.
Your debit card
I need a card
that’s easy to use
If you’ve changed from another Lloyds Bank
current account or added Club Lloyds to
your existing account, your account number,
sort code and PIN will all stay the same, and
you can continue to use your existing card.
But if you’re a Club Lloyds Silver customer or
have upgraded from a Classic account then
we’ll send you a new card.
Your Lloyds Bank Visa debit card can be
used in shops, online and over the phone.
And there’s no charge to withdraw cash
at any of our UK Cashpoint ® machines
(a charge may apply at other ATMs).
You can also use your Visa debit card
abroad wherever you see the Visa sign.
Please see your ‘Banking Charges Guide’
or visit lloydsbank.com for more details
of the fees or charges that apply to
overseas or non-sterling transactions.
What you’ll receive next
If you’re new to Lloyds Bank, your debit card
and PIN will arrive within seven working days
(if after ten days it still hasn't arrived, please
let us know). For your security, we send
If we spot any fraudulent transactions on
your account, we’ll call to let you know. So
please make sure we have your up-to-date
Useful phone numbers
Lost and stolen
0800 096 9779
(or +44 1702 278 270 from abroad)
Help with your account
0345 300 0000
(or +44 1733 347 007 from abroad)
0345 300 6699
(or +44 1702 462 493 from abroad)
I’d like cashback when I use my card
Everyday Offers & It’s On Us
You can earn up to 15% cashback with
Food, clothes, or something new for the
home. With your Lloyds Bank debit card,
or credit card if you’re the main cardholder,
you can earn cashback using Everyday
Offers on purchases at the types of places
It’s On Us
With It’s on Us, we reward your loyalty
by giving you the chance to be paid back
for something you’ve bought every month,
up to £500 with your Lloyds Bank debit card,
or credit card if you are the main cardholder.
You can activate It’s On Us when you view
your Everyday Offers.
See ‘Important Information’ section for
more details and eligibility criteria for
Everyday Offers and It’s On Us. Or visit
lloydsbank.com/everydayoffers to register.
Log on to internet banking to register
for Everyday Offers under ‘Your Account
Tools’ and follow the steps below:
Click on Everyday Offers
in your ‘Account Overview’ to see
your offers, then select the ones
you want to activate for use on your
Shop with your Lloyds Bank debit
card, or credit card if you’re the
main cardholder, in line with the
Enjoy the money you have earned,
which is paid back into your account at
the end of the following month.
Switch to Club Lloyds
I want all my payments
in one place
If you are new to Lloyds Bank and want to
move your regular payments to your new
account, you can use the Current Account
Switch Service. We’ll help you switch your
Direct Debits and standing orders. We can
also help arrange for anyone who regularly
pays money into your account to redirect
All you need to do is:
• Let us know the date you want to
• Tell us the account details, including the
16-digit number from your debit card for
the account you want to switch from.
We offer our banking customers a range
of benefits and services:
• Access to a network of branches.
• Variety of accounts – taking care of your
everyday banking needs.
• Free services like Money Manager.
• A debit card you can use in over 500,000
places in the UK and in over 27 million
outlets around the world.
• Send money almost anywhere in the
world with our international payments
service. Terms and conditions apply,
ask us for more information.
The Current Account Switch Service moves
all your payments in
7 working days
Current accounts and services are offered subject to status. Available only to personal customers, aged 18+ who are resident in the UK and are
either an EU National or have permission to stay in the UK for at least 12 months.
Ways to bank
I can choose how I want to bank
Open new accounts, book
a branch appointment,
make payments and more.
Our automated telephone
service lets you carry out
simple transactions and
our advisers are available
to help with other queries.
Ask an adviser to send you
a security number in the
post to make the best of our
View statements, check
your balance, view Direct
Debits, set up standing
orders and make transfers
and payments. Register
in branch or log on to
internet banking at
Our free mobile banking
service helps you stay on
top of your finances on
the move. You can do your
banking on the spot with
most mobile phones – either
using our app or through
your mobile’s browser at
Ways to bank
• Weekly balance alerts – on the weekday
of your choice, we’ll let you know your
latest balance and last six transactions.
• Limit alerts – if you’re near to or over your
account limit, we’ll let you know to help
you avoid accidental overdraft fees.
• High and low balance alerts – when your
balance reaches or falls to a certain level,
we’ll let you know so you can transfer
money in or out of your account.
• Overseas transaction alerts – for added
security, when your Visa debit card is
used abroad we’ll text to tell you whether
it was a purchase or withdrawal from a
Cashpoint ® machine
You can also do a lot of your day-to-day
banking at Lloyds Bank Cashpoint machines.
At all of our ATMs you can:
• Check your balance, change your PIN
or print a mini statement showing your
most recent transactions.
• Withdraw up to £500 cash per day with
your Club Lloyds debit card.
And at the majority of our ATMs you can:
• Move money between Lloyds Bank
• Pay your bills.
• Pay in cash and cheques.
• Top up your pay-as-you-go mobile phone.*
To receive Text Alerts,
register online at
call us on 0345 300 0000
or visit a branch.
Please note, although you can use internet, PhoneBank and mobile
banking to give us instructions 24 hours a day, seven days a week, some
instructions, such as those given after 10pm or at weekends, cannot be
processed until the next working day. Not all telephone, internet and
mobile banking services are available 24 hours a day, seven days a week.
Please speak to an adviser for more information. You must be registered
for internet banking to be able to use our mobile banking service. Services
may be affected by phone signal or functionality. We don’t charge you
for mobile banking but your mobile operator may charge you for some
services, please check with them. PhoneBank ® is a registered trademark
of Lloyds Bank plc.
Text Alerts (other than weekly balance alerts and overseas transaction
alerts) are sent before 10am UK time Monday to Friday excluding Bank
Holidays. Terms and conditions apply.
*Your bank account will be debited in the same way as a cash withdrawal.
Successful top-up transactions will reduce your £500 daily withdrawal limit.
Money when travelling
I’ve got everything I need
when I go away
Commission free travel money
All your foreign currency banknotes and
American Express ® Travellers Cheques are
commission free from us. We also offer
instant euros and US dollars in many of
Order your foreign currency or travellers
cheques by 3pm Monday to Friday (excluding
Bank Holidays) and we’ll deliver them to any
of our branches for you to collect after 1pm
the next working day, free of charge.
We can even deliver your currency to
your home address for just £4.50 (delivery
to British mainland and Northern Ireland,
to customer’s billing address only).
Our branches will also buy back any foreign
notes or American Express Travellers Cheques
you might have left over – commission free.
Order your currency in branch, online if you’re
registered for Internet Banking or by calling
0345 366 1149 (Mon–Fri 8am–10pm,
Sat & Sun 10am–8pm.
A convenient, secure way
to pay abroad
Use your Visa debit card in hotels, bars,
restaurants and shops – Visa is accepted
in over 27 million outlets and at one
million ATMs worldwide. Fees apply
so see our ‘Banking Charges’ guide for
Your Visa debit card is an alternative to
carrying cash, and is just as safe to use
abroad as it is at home. We’ll monitor your
account when you’re out of the country,
and if we see anything suspicious, we’ll
text or call you to let you know.
Places around the world you can
use your debit card
You should always check travellers cheques are accepted at your travel destination.
The price at which we buy back your currency may differ from the price at which we sold it to you. There are minimum denominations we
can accept in certain currencies. Details of these are available on request. We may not be able to re-purchase currency if a country becomes
embargoed or we no longer deal with that currency.
Different delivery timescales may apply to Scotland and Northern Ireland. We may not be able to guarantee next working day delivery to certain
remote areas within the United Kingdom. Please ask in a branch for further details.
Moving your money
It’s easy to move my money
Make quick, secure deposits
• All cash will be immediately available
when processed, information on cheque
clearance timescales is available in your
terms and conditions.
• All the deposits you make over the
counter are processed immediately.
• Our easy-to-use Immediate Deposit
Machines (IDMs) will process a deposit
in a matter of seconds.
• Any deposits made through our
depositpoints before the cut-off time
on a working day will be processed by
the end of the day. Any deposits made
after that time or at weekends will be
processed the next working day.
• Any deposit made through our Cashpoint
machines will be processed the next day.
Weekends and Bank Holidays are not
counted as working days.
Sending money abroad
Our international payment services help
you send money abroad quickly, easily
and securely. To find out more go to
Paying in cheques
If you qualify for credit interest, we’ll start
paying it straight away on the first £1,000 of
cheques paid in over the counter before the
cut-off time on a working day. Whenever
you pay in a cheque we use the ‘2-4-6’
process. This may be quicker for Lloyds
Bank cheques. To find out more about
how and when you can use cheques visit
lloydsbank.com or see your ‘Personal
Banking terms and conditions’.
Moving your money
Direct Debits are a quick and easy way to
make payments. They go straight from your
account to a company or service, which is
really useful for paying regular bills like your
utilities, where the amounts might vary. If you
ever need to cancel or change a Direct Debit,
simply let the company you are paying and us
know. If you think there’s been an incorrect
payment, tell us immediately and we’ll
arrange a full refund and tell the company or
Another simple way to pay your bills is
by standing order. This is a fixed, regular
payment from your account. We can help you
set these up, and if you ever need to change
or cancel them just let us know.
Standing orders and future
We make payments from your account
shortly after midnight at the start of the due
date. If your payment date falls on a nonworking
day, then we will try to collect your
payment the next working day.
If you don’t have enough funds in your
account at this point to make a payment, we
will try to make a payment again after 3.30pm
the same day. This gives you the chance to
put extra funds into your account so that we
can make the payment. The money needs
to be available to use straight away, so you
could transfer money from another personal
account you have with us via Internet, Mobile
or Telephone Banking or pay in cash over the
counter in branch.
If you do not have enough funds at the
beginning of a day to make a payment:
• You have until 3.30pm to pay money into
your account to make the payment that day.
• If a payment takes you into any type of
overdraft, you have until midnight to
pay money into your account to avoid
overdraft fees and charges.
If there are still not enough available funds, we
will make a final try on the next working day
before rejecting the payment. We will only
charge a Returned Item Fee if all three tries
are unsuccessful, and we will not charge more
than one Returned Item Fee for that failed
payment. Details of our fees and charges can
be found in the Banking Charges guide.
I can easily keep track
of my finances
Money Manager is a free and easy way to
stay on top of your finances and can be
used with all your UK Lloyds Bank personal
current and credit card accounts together.
Once you have registered for internet
banking you can use the service free
With Money Manager you can:
• See your spending broken down
into meaningful categories (like
entertainment, food and travel).
• Set up and track a Savings Goal* and
save for the things you want.
• Keep track of your regular bills
• Plan ahead with a Calendar view
of your regular incoming and
To register and start using this free service,
Once you have registered for internet banking
you can use the service free of charge.
Entertainment & Leisure 28%
Cash Withdrawals 24%
Clothing & Personal Care 3%
Savings & Financial 2%
These figures are for illustrative purposes only.
Money Manager is provided free to help you manage your personal finances and is not intended to provide legal, tax or financial advice.
There may be differences between descriptions shown on printed or online statements and Money Manager. Your printed and online statements
remain the definitive record of your account. Transactions may appear earlier or later on your statements. You must be registered for internet
banking. Further terms and conditions apply.
*In order to set up a Savings Goal you must have a Lloyds Bank savings account.
I need a bank that
understands real life
Save every time you spend
Register for Save the Change ® and every
time you buy something with your
Lloyds Bank debit card, and your account
is in credit, the amount you spend will be
rounded up to the nearest whole pound
and at the start of the next working day,
we’ll transfer the difference into an eligible
Lloyds Bank savings account, for example
a Club Lloyds Saver. Save the Change ®
does not apply to over-the-counter cash
advances, ATM withdrawals or fees
charged for non-Lloyds Bank ATM
transactions. Transfers can only be
made if your current account is in credit.
For more details or to find out which savings
accounts are eligible, visit us in branch,
go to lloydsbank.com/savethechange
or call us on 0345 300 0000.
If you need help planning for the future, we
offer loans from £1,000 up to £25,000. We’ll
normally give you a decision in 30 minutes.
Apply online, call us on 0800 068 1217, or
come in branch to find out more – lines are
open 8am-10pm, seven days a week. Loans
are subject to application and approval.
Make sure the things that matter to you are
protected with a range of insurance policies.
For Car insurance
Call 0800 460 460 Monday to Friday
8am-8pm, Saturday 9am-5pm.
For Travel insurance
Call 0800 056 4262 Monday to Saturday
8am-8pm, Sunday 9am-5pm.
Lloyds Bank Car insurance and Lloyds Bank
Travel insurance are arranged, administered
and underwritten by third parties.
Things to note
If your existing account has Vantage and
you upgrade to Club Lloyds, you’ll receive
the Club Lloyds current account interest
rates, as long as you meet the qualifying
criteria. You will no longer benefit from your
existing Vantage interest rates.
If you don’t currently pay a fee for your
Added Value account and choose to
upgrade to Club Lloyds, you will lose your
fee waiver and have to pay the Added Value
account fee for your particular account. You
will also pay the monthly Club Lloyds fee
unless you qualify for this to be waived.
Everyday Offers is available to Lloyds Bank
UK personal current account and credit card
customers aged 18+ who are registered
for internet banking. Once enrolled, any
cashback earned on credit card purchases
will be paid to the primary account holder,
so long as they have a Lloyds Bank personal
current account. You’ll need to stay
registered for Everyday Offers and keep
your current account open to receive your
cashback. Merchant offers and cashback
amounts may vary and must be activated
through internet banking.
To enter the It’s On Us free draw, you
must be a UK resident (excludes NI), be
registered for Everyday Offers for up to a
week, and have activated the It’s On Us
offer. 1,000 debit or credit card transactions
up to £500 will be reimbursed each week.
For full terms and conditions visit
Account opening is subject to our assessment of
your circumstances. Club Lloyds is only available to
personal customers who are UK resident and aged 18
or over, and who are either an EU National or have
permission to stay in the UK for at least 12 months.
You must continue to live in the UK to benefit from
Club Lloyds banking offers and Lifestyle Benefits.
How much we lend if anything, or the issue of a
credit card is subject to an assessment of your
personal circumstances. You must be over 18
and a UK resident to apply. If applying for a loan
you also need to have held an account with
Lloyds Bank for three months.
AER stands for Annual Equivalent Rate and
illustrates what the interest rate would be if it was
paid and compounded once each year.
Gross rate is the contractual rate of interest
payable before the deduction of income tax
at the rate specified by law.
Net rate is the rate of interest which would
be payable after allowing for the deduction
of income tax at the rate specified by law.
Cashpoint ® , PhoneBank ® and Save the Change ®
are registered trademarks of Lloyds Bank plc and
depositpoint is a trademark of Lloyds Bank plc.
Apple is a trademark of Apple Inc., registered in the
U.S. and other countries.
Calls may be monitored or recorded in case we need
to check we have carried out your instructions
correctly and to help improve our quality of service.
Not all Telephone Banking services are available
24 hours a day, seven days a week. Please speak to
an adviser for more information.
Lloyds Bank plc Registered office: 25 Gresham Street,
London EC2V 7HN. Registered in England and
Wales no. 2065.
Lloyds Bank plc is authorised by the Prudential
Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation
Authority under registration number 119278.
We also subscribe to The Lending Code. Details can
be obtained from
Eligible deposits with us are protected by the
Financial Services Compensation Scheme. We are
covered by the Financial Ombudsman Service.
All information and rates correct as at November 2015.
Call us on 0345 300 0000
Visit your local branch
If you'd like this in another format such as large
print, Braille or audio please ask in branch.
If you have a hearing or speech impairment you can contact us using
Text Relay or Textphone on 0345 300 2281 (lines are open 24 hours
a day, seven days a week). If you are Deaf you can use BSL and the
SignVideo service available at
Our promise is to do our best to resolve any problems you have.
If you wish to complain visit your local branch or call 0800 072 3572
or 01733 462 267. (Textphone 0800 056 7614 or 01733 347 500,
if you have a hearing impairment). For more information visit