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The three best bank accounts with travel insurance bolted on: We pick our favourites and whether they're worth paying for

• Some bank accounts include annual worldwide travel insurance
• They often also include car breakdown cover and mobile phone insurance 
• Although there is a monthly cost, having such an account may make sense

By Ed Magnus For Thisismoney.co.uk

Updated: 03:28 EDT, 9 August 2022

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Many Britons will feel a bank account isn't something they're prepared to pay for - after all, most current accounts are 'free'.

However, some packaged bank accounts offer a host of benefits that added together could justify their monthly cost.

The typical perks include free annual worldwide travel insurance, car breakdown cover and mobile phone insurance, often with family members included. 

There is also the convenience factor of having three insurance policies taken care of saving both time and effort in having to organise it separately. 

Some bank accounts charge a monthly fee, but throw in perks such as annual worldwide travel insurance.

Michelle Stevens, banking expert at comparison site Finder, says: 'If you and your family are frequent travellers, then a current account with packaged travel insurance could be well worth the monthly fee, especially given the rising cost of travel insurance premiums in the last two years. 

'But before signing up to any premium current account, it’s important you check that the terms of the travel insurance policy - as well as the other account features and perks - suit your needs.' 

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She adds: 'Another benefit of getting free travel insurance with a current account is that a lot of people usually forgo it - up to 8.6million in 2019 - which is not an advisable move. 

'If you get seriously injured abroad then the bill can reach hundreds of thousands of pounds, so having travel insurance included with a current account may result in a lot of people getting covered who may not have done so otherwise.'

We pick our three favourite current account deals for travel insurance, taking into account the monthly cost and the additional perks on offer.

1.  Nationwide Flex Plus  

This account offers worldwide travel insurance as well as mobile phone and European breakdown cover.

It does come with a £13 monthly charge, which, compared to other packaged bank accounts looks relatively cheap.

Its worldwide family travel insurance, includes winter sports, golf, weddings and business cover.

Nationwide offers worldwide travel, mobile phone and European breakdown cover and charges £13 a month for maintaining the account.

Cover for travel essentials includes luggage, documents and cash as well as protecting against travel-specific problems like delays, cancellations and medical expenses.

Then cancellation cover is up to £5,000, the medical expenses cover up to £10 million, whilst cover for travel disruption will be eligible when caused by natural disasters, or airline or travel end supplier failure.

The policy doesn't cover medical conditions unless they have been declared to Nationwide and accepted. In some instances, you can pay for a medical upgrade to your insurance policy.

Two other clauses to be aware of is that the longest trip length allowed is 31 consecutive days. 

For any person to be insured who is aged 70 or over, they must buy an age upgrade to cover them.

Although the monthly cost will add up to £156 a year, it's possible to offset much of this during the the first year, thanks to Nationwide's current account switching incentive.

Non-Nationwide members can currently get £100 for switching, whilst members who switch to the Flex Plus account could get £125.  

Saves the extra admin: Nationwide's annual travel insurance policy is worldwide, and covers a whole family for multiple trips, not just the individual account holder.

On top of travel insurance, account holders get vehicle breakdown cover both in the UK and the rest of Europe and mobile phone insurance for the whole family.

The car insurance is valid whether someone is a driver or a passenger in a vehicle, and comes with no excess to pay and unlimited callouts.

The mobile insurance covers mobiles belonging to the account holder and those belonging to their partner and dependent children. It covers for loss, theft, damage and faults.

2.  Virgin Money's Club M Account

Virgin's Club M Account comes with a £14.50 monthly charge.

Similar to Nationwide, it offers 31 days' worldwide cover per trip. It will cover the account holder and a partner living with them if there're both under 75, so it's a little more generous on that front.

Virgin's worldwide family multi-trip travel insurance - includes winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

There's also cover for up to four dependents under 18 - either in full time education or living with the account holder.

Emergency medical treatment, includes falling ill with coronavirus while away, and cover for the journey home, if it's medically necessary.

It also covers lost, damaged or stolen items, and if the baggage is delayed, any essentials will be paid for in the interim period. It also includes cover for delays or missed departures and winter sports as standard.

Account holders are also covered when cancelling or cutting short a trip if they fall ill with coronavirus as long as they didn't know they had it and weren't being tested for it when they booked their trip. 

The cover includes emergency medical, surgical, hospital, treatment and ambulance costs, as well as any additional accommodation and travel expenses if someone cannot return to the United Kingdom.

There is a maximum allowance of 31 days of worldwide cover per trip.

It covers the account holder and their partner living with them if they're both under 75. There's also cover for up to four dependents under 18. 

A claim will be void if it relates to any medical treatment received because of a medical condition or an illness related to a medical condition which a person knew about at the time of opening the account. 

What else? 

On top of the travel insurance it also offers UK breakdown cover with no call out charges, whether as the driver or the passenger and offers help at the roadside and at home.

It also offers worldwide mobile phone and gadget insurance covering against loss theft, damage, and breakdown

Just make sure you've declared any pre-existing medical conditions and don't leave your valuables unattended to be fully covered.

Its Worldwide family multi-trip travel insurance - including winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

Virgin current account holders also benefit from various other perks.

It offers access to an easy-access linked savings account paying 1.71 per cent on balances up to £25,000. C ustomers can also benefit from 2.02 per cent on balances up to £1,000 in their bank account.

New customers switching to the Virgin Money Club M Account can also receive a bonus of 20,000 Virgin Points to spend with Virgin Red, thanks to Virgin Money's latest current account switching offer.

Virgin Red is a rewards club that turns everyday spending into points. Once you are a member, you can earn and spend Virgin Points across almost 200 different rewards.

The 20,000 Virgin Points boost means travellers could get a return flight to Barbados, the Bahamas or St Lucia, while bakery enthusiasts could turn their points into 100 sausage or vegan sausage rolls, 61 coffees or teas or 100 doughnuts or muffins.

3.  Halifax Ultimate Reward Current Account  

Halifax Ultimate Reward current account costs £17 per month, the equivalent of £204 per year. However, there are ways to dramatically reduce this via its cashback and switching offers.

The account includes a family travel insurance policy for the account holder, their spouse or partner and children aged 18 or under, or up to 24 if they're in full time education. 

It includes cover for personal belongings, certain sports and activities such as winter sports golf trips.

At £17 a month Halifax is the most expensive of our three top picks. However, its £150 cash incentive and £5 monthly cashback could help account holders to significantly reduce the cost.

Its cover includes, up to £10million for hospital fees, repatriation, medical confinement, funeral and dental costs incurred if taken ill or injured on your trip. 

Up to £5,000 in total for loss of pre-paid travel and accommodation expenses in the case of cancellation or curtailment. 

It covers personal baggage up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single item or pair or set of items.

It also covers personal money up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

Watch out: 

Existing medical conditions are not covered, unless these are agreed with the insurer first, and an additional premium may be payable.

The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.

Halifax's travel insurance covers personal Baggage up to £2,500 if it is lost, damaged or stolen.

It's also worth noting that a £75 excess per adult per incident may apply and to be covered trips must start and end in the UK.

All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse or partner will also be covered until they reach 71. 

Eligible children can also be covered so long as they are travelling with the spouse, partner or civil partner of the policyholder. 

What else: 

It also offers car breakdown cover with the AA. This covers any vehicle the account holder is travelling in, at the roadside or at home. But only in the UK. 

For mobile insurance, it covers breakdown, accidental damage, loss and theft up to £2,000. 

However, it only Covers one phone per account holder or two in the case of a joint account. An excess of £100 is payable on all successful claims.

The £17 fee makes it a little more expensive than a few others but there are ways to reduce the cost.

Halifax is currently offering a £150 switching incentive for those who switch from another current account.

On top of the £150 bribe there are other perks to take advantage of. There is a choice of £5 a month paid into the account, two film rentals or three magazine rentals, or a free cinema ticket each month.

In order to benefit from this account holders must choose to either Spend £500 on their debit card each month or Keep at least £5,000 in the account at all times.

They must also pay in £1,500 or more into your account each month and stay in credit - keeping your balance at £0 or above.

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Chase Bank will pay £1% cashback on spending for the first 12 months . Customers also get access to an easy-access linked savings account paying 3.8% on balances up to £250,000. The account is completely free to set up and is entirely app based. Also no charges when using the card abroad.

Nationwide's FlexDirect Account offers 5% in-credit interest to new joiners when they switch on balances up to £1,500. This rate only lasts for one year. The account is fee free.

Halifax Reward Account pays £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 monthly account fee, but that’s stopped by paying in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account . It also offers a £250 interest-free overdraft. Customers must pay in at least £1,000 within three months of opening the account.

NatWest's Select Account account pays £200 when you switch. The account has no monthly charges, but to be elligible for the £200, you'll need to deposit £1,250 into the account and log into mobile banking app within 60 days.

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Best bank accounts that offer travel insurance

If you regularly travel, it could be worth looking for a bank account that includes travel insurance as part of the package..

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In this guide

Should you get a bank account with travel insurance?

Pros and cons of a bank account with travel insurance, bottom line, frequently asked questions.

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Certain bank accounts require a monthly fee. But in return, you’ll get access to a range of benefits. One perk on offer from so-called ‘ packaged accounts ‘ can include travel insurance.

Having travel insurance automatically included with your bank account can be convenient, as you won’t need to take out a travel insurance policy each time you head abroad. But is it the right option for you? We take a look.

Whether you should get a bank account with travel insurance included ultimately depends on your situation. For a start, you’ll need to be comfortable paying a monthly fee for your bank account. Usually, this will be around £10 to £30 a month, depending on the account.

You should compare the cost of this fee against the cost of buying a separate travel insurance policy to see what works out the most cost-effective. To do this, multiply the monthly account fee by 12 and compare it to a standard annual policy. However, keep in mind that many packaged bank accounts also include other benefits such as mobile phone insurance and breakdown cover as part of the deal, so you’ll need to work out how much these would cost separately to get a fair comparison.

Another key consideration is exactly what the travel insurance policy included in your bank account covers. For example, does it offer worldwide travel insurance, or is it only valid for European countries? Does cover apply to you and your family or only you? If it covers you as a family, do you have to travel together to be insured?

You’ll also need to check the following:

• How much cover do you get for lost luggage, medical costs, repatriation, holiday cancellation and so on?
• Will you be covered for winter sports or other hazardous activities? Or do you need to pay extra?
• Are there any age restrictions? Certain policies won’t cover you if you’re aged 70 or over, for example.
• Are pre-existing conditions included?
• How long does cover last? Some policies might only offer cover for trips of up to 31 consecutive days, for instance.

Note that many travel insurance policies (whether they’re offered through a bank account or not) won’t cover pre-existing conditions and limit the number of days per trip before cover expires. But it’s important to compare exactly what you’d get with a packaged account and what buying travel insurance separately would cover you for before you can work out whether a packaged account is worth it.

• Can work out to be cost-effective, especially if it covers the whole family
• More convenient than applying for policies separately
• Other perks might be included in the account, such as mobile phone insurance
• It won’t necessarily be cheaper than applying for travel insurance separately
• Exclusions will apply
• If you don’t declare all pre-existing medical conditions, you could invalidate your policy

Applying for a bank account with travel insurance included offers the convenience of never needing to remember to take out a travel insurance policy before you go on holiday. If you have a family, this can be particularly beneficial if the policy covers all of you. Plus, if your policy includes cancellation cover, you’ll be automatically covered from the moment you book your next trip.

However, it’s crucial to check whether family members must travel together or whether cover also applies if you travel separately. You should also check exactly what is and isn’t included in the cover and whether the cost of the account is worth it.

Can I get travel insurance on a joint bank account?

Will my bank account include travel insurance for cruises.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use . When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

Rachel Wait

Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time. See full bio

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How does single trip travel insurance work?

Who needs single trip travel insurance.

• Choosing travel insurance

Purchasing single trip travel insurance

Single trip travel insurance frequently asked questions, what is single trip travel insurance.

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• Single trip travel insurance covers unexpected costs incurred during a trip.
• Compared to annual travel insurance, single trip insurance is more flexible and comprehensive. 
• Premiums are based on trip costs, usually between 4% to 8%, but CFAR coverage may increase costs.

No matter the asset, protecting your investments via insurance is a proven means of providing coverage against financial loss. On par with homeowners, automobile, and life insurance, travel insurance is a proactive means of preparing for the uncertainties of travel, from flight delays and cancellations to lost luggage and medical emergencies.

The best travel insurance plan meets your specific needs. Single trip insurance protects one specific trip, offering the flexibility to tailor your insurance to your travel plans. If you're taking one large trip, perhaps your dream vacation, single trip insurance can protect your investment and provide peace of mind before, during, and after takeoff.

Single trip travel insurance covers unexpected additional expenses while on a trip. Often used interchangeably with traditional travel insurance, single trip travel insurance is the most popular type of insurance policy purchased by travelers in the US. Among its many benefits, this basic travel coverage is flexible, cost-effective, and comprehensive. 

Compared with annual travel insurance coverage (which covers multiple excursions to and from home within a specified period and comes with a cap), traditional policies cover a range of unforeseen events and emergencies leading up to (and for the duration of) your trip. Single trip travel insurance cost is typically a percentage of your trip costs, anywhere from 4% to 8% of your trip's total cost

Coverage options in single trip policies

Travel insurance covers unexpected financial losses while traveling. This can include inconveniences that happen throughout a trip, like lost baggage, missed connections, and travel delays. For example, travel insurance can cover meals purchased at the airport after your flight has been delayed for a certain amount of time.

However, travel insurance is especially helpful when more serious incidents occur. For example, travel insurance will cover non-refundable deposits in the case of an unexpected trip cancellation, as long as your trip was canceled for a covered reason.

Additionally, medical emergency insurance is particularly helpful when traveling abroad, where US-based health insurance usually can't help you. Depending on your policy, travel insurance can cover hospital room and board, prescription medicine, and even surgeries. It may also pay for medical evacuations and repatriations.

Additional coverage options

Most insurance providers will provide additional coverage options if you're looking for something more specific. For example, if you're traveling to a destination for extreme sports like skydiving, you can add adventure sports coverage to your policy.

You can also add Cancel For Any Reason to your policy, if you think you may cancel your trip for an uncovered reason, like fear of flying. However, you will need to be mindful of when you purchase travel insurance, CFAR is only available if you purchase travel insurance within two to three weeks of placing a deposit on your trip. You can find our guide to the best cancel for any reason travel insurance here.

Traditional travel plans are typically designed for the leisure traveler. In other words, vacationers who want to protect against unexpected, sometimes catastrophic financial losses related to an upcoming vacation pay a small fee relative to trip costs.

"The typical travel insurance buyer is someone who can't afford to lose non-refundable trip deposits such as for a cruise or vacation rental if forced to cancel [a vacation] for a covered reason," says Carol Mueller , vice president of Berkshire Hathaway Travel Protection . "It is also for the vacationer concerned about medical emergencies or medical evacuations [while away from home] that could cost thousands of dollars and [are] not covered by a health insurance plan."

However, if you have multiple trips coming up within a 365-day, annual travel insurance may be worth a look. While a single trip policy will end when you return home, annual travel insurance will cover any trips you take over a year.  

Choosing the right single trip policy

Since it can be overwhelming to sift through the myriad options available, Jones offers some tips to help travelers make the right decision when choosing travel insurance coverage:

Think about your needs: Consider the kind of trip you are taking and the activities you're planning. If you're traveling for a sports trip, you may want extra protection for your sports equipment. But it's often simpler. For example, you'll need travel medical insurance for emergencies as your standard health insurance probably won't cover you abroad.

Compare policies: Compare policies from multiple providers to find one meeting your needs and budget. Look for policies with comprehensive coverage for unforeseen events such as medical emergencies and trip cancellations. You can see which is more affordable when you have similar plans side-by-side. Just don't forget to account for any differences to get the most competitive pricing.

Read the fine print: Make sure you understand any exclusions or limitations before purchasing a policy. Some coverages, like cancel for any reason travel insurance, may have a time limit, but the coverage should be straightforward. Other cancellation coverage will most likely have important exclusions you should know.

Consider preexisting conditions: If any travelers in your party have preexisting medical conditions, ensure the policy you plan to purchase covers them. You may have to pay extra, but it will cost you a lot less than trying to find essential medications while you're on the road, especially if you're traveling internationally.

Look for customer reviews: Check customer reviews to see how other travelers have fared with the policy and provider. You can use sites like Trustpilot, ConsumerAffairs, and the BBB.

Purchase early: It's important to secure coverage at the same time you book your trip, as some coverage may only be available within a specific timeframe. Like your plane tickets and other travel arrangements, you may qualify for lower rates or discounts if you buy early.

Finally, planning to swipe a family vacation off your bucket list? Investing in travel insurance is the smart and savvy way to ensure you eventually reach your destination (financially) unscathed, despite any minor derailments.

"You can't predict what can go wrong before you leave for, or even [what transpires] during your vacation. That's why it makes sense to consider purchasing a comprehensive, traditional plans protect you against financial losses you never thought would happen," says Mueller.

While you can insure any trip, single trip travel insurance is best for long, expensive, or international trips. It's best to buy insurance shortly after booking your trip, ideally within two weeks of placing the deposit on your trip. 

Hundreds of plans offer similar coverages and benefit limits. Working with a certified insurance professional is the easiest way to cut through the hundreds of similar plans, find a quite, and purchase the plan best suited to your trip based on travel mode, trip cost, family presence, and more. 

After all, even the best-laid plans (and most detail-oriented itineraries) are subject to change due to unforeseen circumstances. While myriad travel-related details lie within your control, like when you go and where you stay, a few unpredictable variables will always remain. Proper insurance coverage might be the solution to anticipating all of them and ensuring a smooth journey one step at a time.

While single trip insurance is often more valuable for trips that are longer and international, insurance for domestic trips can be beneficial if they involve non-refundable expenses.

Yes, single trip policies can include multiple destinations within one trip, as long as all destinations are included in the policy.

You should purchase single trip insurance soon after booking your trip to qualify for benefits like CFAR policies and pre-existing condition waivers . Additionally, if your trip gets canceled before you can purchase travel insurance, you may not get your money back.

Most single trip insurance policies cover cancellations due to illness without the need for CFAR insurance, but it's important to check the specific terms of your policy.

While policy extensions are possible, rules depend on your insurer. Additionally, there may be a limit on how long you can extend your policy. 

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Travel insurance

To apply for a packaged account you must be an existing current account customer..

Our Travel Insurance policies are underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

On this page 

What's travel insurance?

Travel insurance is financial protection against unforeseen circumstances while you’re travelling or on holiday. Depending on your level of cover it can protect you, your trip and your property such as medical care, cancelled flights or lost luggage.

Our policies:

• Include winter sports cover
• Include COVID-19 cover
• Have the option of cover for over 70s
• Can have cover for many pre-existing medical conditions added

We offer travel insurance with our packaged bank accounts

These are only available to existing Royal Bank current account customers.

Which bank accounts come with travel insurance?

Our Silver bank accounts come with European travel insurance.

Our Platinum and Black bank accounts come with Worldwide travel insurance.

Do I legally need travel insurance?

No, you are not legally required to have travel insurance however it is a good idea.

Some tour operators may insist that you have travel insurance before they confirm your booking, especially to countries like the USA where there’s no public health service.

Why is travel insurance important?

If you have travel insurance, depending on your policy, it could cover the costs of unforeseen incidents such as health emergencies, cancelled flights or missing luggage.

Not sure a packaged account is for you?

 View our full  range of accounts , including accounts with no monthly fee.

Who is covered by my travel insurance?

For both Platinum and Black account customers, family cover is included. This provides cover for you, your partner, and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent) and be neither married nor in a civil partnership.

For Silver account customers, only you and any joint account holder is covered.

What does travel insurance cover me for?

We have a range of cover across our packaged bank accounts. Please see the policy terms for full details and exclusions. 

Cover for your trip

• Cancelling your trip (before you are due to start your trip)
• Delayed or missed departure (on the day you are travelling) 
• Cutting your trip short (after your trip has started)

Cover for you

• Emergency medical costs (such as illness, injury or quarantine)
• Personal accident (such as an accidental injury)
• Personal liability (if you become legally liable for an accident)
• Legal costs 

Cover for your property

• Baggage (lost, stolen or accidentally damaged)
• Delayed baggage (essential replacement of toiletries, medication or clothing)
• Personal money (lost or stolen)
• Lost Passport or Driving Licence (reasonable travel, accommodation and administration costs)
• Winter sports cover 

Over 70 or have pre-existing medical conditions?

If you or your joint account holder are aged 70 or over, you’ll need to get in touch with us each year to purchase an age extension upgrade, where there will be a £75 annual premium per person aged 70 or over.

Pre-existing medical conditions won’t be covered. You may have to pay extra for this, or you may find that your condition cannot be covered.

To find out if you can extend your travel insurance to include cover for someone over 70, or with a new or existing medical condition, please sign in to  Membership Services  and complete the online form.

You can contact us to discuss:

For new or existing customers, you can call us on:

 Silver : 0345 607 5154 (Relay UK 18001 0345 607 5154) Overseas: +44 2392 666 062 Platinum : 0345 609 0456 (Relay UK 18001 0345 609 0456) Overseas: +44 2392 668 827 Black : 0345 266 8801 (Relay UK 18001 0345 266 8801) Overseas: +44 2392 668 814

What if Allianz Assistance are unable to offer me an upgrade?

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777. Monday to Friday, 8am to 6pm | Saturday, Sunday, and Bank Holidays, closed

Travel Insurance Terms

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

• Platinum Travel Insurance Terms (PDF, 446 KB)
• Black Travel Insurance Terms (PDF, 405 KB)

Types of cover included with our bank accounts

Worldwide travel insurance

If you’re looking for Worldwide or Family travel insurance, we offer cover built in to our Platinum and Black accounts.

Reward Platinum and Select Platinum account

Family travel insurance for trips in the UK and worldwide up to 31 days, including winter sports.

• Includes emergency medical expenses, cancellations, baggage and more.
• Cover for you, your partner, and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent) and be neither married nor in a civil partnership.
• COVID-19 cover.

Are you an existing customer?  To see your full list of account benefits:

Manage your Reward Platinum

Manage your Select Platinum

To apply for a Reward Platinum you must be an existing Royal Bank current account customer. £22 monthly fee. Select Platinum can't be applied for.

Reward Black and Black account

Family travel insurance for trips in the UK and worldwide up to 90 days, including 31 days for winter sports.

• Includes medical expenses cover, cancellations, baggage and more.

Are you an existing Premier customer?   Manage your benefits .

To apply for a Reward Black you must be an existing Royal Bank current account customer and meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your Royal Bank account, or £500k minimum mortgage borrowing with us, or minimum £100k savings or investments held with us. £36 monthly fee. Black account can't be applied for.

European travel insurance

If you’re looking for European travel insurance, we offer cover built in to our Silver accounts.

Reward Silver and Select Silver accounts

You’re covered for 22 days per trip for UK and European travel, including winter sports.

• Only you and any joint account holder will be covered.

Are you an existing customer?  To view your full account benefits:

Manage your Reward Silver

Manage your Select Silver

To apply for a Reward Silver you must be an existing Royal Bank current account customer. £10 monthly fee. Select Silver can't be applied for.

Make a claim online

To make a travel insurance claim online log in to Membership Services and complete the online form. Membership Services is where you can manage all of your account benefits, if you've not logged in before you'll need to sign up. 

Or you can call us

Silver : 0345 607 5154 (Relay UK 18001 0345 607 5154) Overseas: +44 2392 666 062 Platinum : 0345 609 0456 (Relay UK 18001 0345 609 0456) Overseas: +44 2392 668 827 Black : 0345 266 8801 (Relay UK 18001 0345 266 8801) Overseas: +44 2392 668 814

Common questions about our travel insurance

How can i get a copy of my travel insurance policy.

You can get a copy of your travel insurance terms here:

Silver Travel Insurance Terms (PDF 687KB) .

Platinum Travel Insurance Terms (PDF 717KB)

Black Account Travel Insurance Terms (PDF 895KB)

Do I need to register for travel insurance?

You don't need to register, you're automatically covered.

If you would like to extend your cover to include pre-existing medical conditions or are aged 70 and over, please call us. We may ask you to pay an additional premium or we may not cover your condition.

Do I need to let you know my travel plans?

You don't need to let us know when you are going abroad. Your travel insurance automatically applies if you have a Silver, Platinum, or Black bank account.

Our fraud monitoring services will secure and monitor your debit card activity the same way as it does within the UK so you can travel freely without having to notify us.

However, we understand you might still like to register your travel plans and for that reason we have kept the option for you to do so on the mobile app.

Steps to register your travel plans for your debit card:

• All you need to do is tap on your account from the main page and go to 'Manage my card'.
• Tap 'Going abroad' then 'Add trip' (iOS devices) or 'Register card' (Android devices) and follow the instructions on screen.

What is my travel insurance policy number?

Your policy number is your sort code followed by your account number. 

This is also shown on the Certificate of Insurance that you can download or request by calling us.

Any upgrades you purchase will have their own unique policy ID which is shown in the confirmation email.

What cover does our travel insurance provide for COVID-19?

Your policy provides cover for the following situations related to COVID-19 as long as the Foreign, Commonwealth & Development Office (FCDO) aren't advising against "all travel" or "all but essential travel" to your destination. 

Cutting short a trip due to:

•  A change in FCDO advice, as long as you weren’t aware of this advice when you travelled. 
• Being unable to stay in pre-booked accommodation due to COVID-19 or another pandemic, as long as you weren’t aware of this when you travelled.

Cancelling a trip due to:

• You or any insured person, close relative or travelling companion being diagnosed with COVID-19 or another pandemic disease.
• Quarantine (as an individual and not broadly as part or all of a population, vessel or geographical area).
• The FCDO advising against 'all' or 'all but essential' travel due to COVID-19 or another pandemic, if not known at the time of booking
• You being refused boarding onto your booked public transport due to displaying symptoms of COVID-19 or another epidemic or pandemic.

Other ways we can help you while abroad

Spending abroad.

A guide to using your card abroad and important fee information.

Currency card calculator

Use our calculator to view your conversion rates and charges.

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Switch Service work?

Something else we can help you with?

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Take care of what you value most, and we'll take care of you - a cashback reward with our range of insurance products: home, motor and life. T&Cs apply.

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Club Lloyds Platinum

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Our account that offers you a range of everyday benefits, giving you the best of Silver and Club Lloyds.

£11.50 monthly fee plus a £3 monthly Club Lloyds fee. We’ll waive the £3 monthly fee every month in which you pay in £2,000 or more.

Ready to apply?

Get £175 when you switch an account held with another bank to a new Club Lloyds, Club Lloyds Silver or Club Lloyds Platinum Account.

• You'll need to use the Current Account Switch Service to transfer a minimum of 3 active direct debits and close your current account held with another bank.

You won't be eligible if you've received an incentive for switching to a Lloyds Bank, Bank of Scotland or Halifax current account since April 2020. You may need to pay a monthly fee for the account. Offer ends 30 July 2024. Full terms and conditions can be found below.

Find out more about switching

Features and benefits

European and UK family travel insurance

Multi-trip travel cover for you (up to age 65) and your family (subject to eligibility).

• Includes cancellation, medical costs and personal belongings cover
• Cover for winter sports, golf equipment and UK breaks
• If you have any pre-existing medical conditions, see European and UK travel insurance

AA Breakdown Family Cover

• Roadside Assistance across the UK, Channels Islands and Isle of Man 
• Family cover  - Breakdown family cover that offers cover for you and eligible family members in most vehicles whether travelling as a driver or passenger

• Mobile phone insurance

Worldwide cover for your mobile phone.

• Covers one phone per account holder
• Covers breakdown, faults, accidental damage, loss and theft up to £2,000

No debit card fees from us at home or abroad

We won’t charge your debit card fees when you use your card to:

• Make payments in a foreign currency
• Take out money in any currency from an ATM at home or abroad
• Take out money over the counter abroad

If you’re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.

Choose a lifestyle benefit each year

Choose from either 12 months of Disney+, 6 cinema tickets, an annual digital Coffee Club and Gourmet Society membership or an annual magazine subscription

Get up to 6.25% AER/gross fixed on a Club Lloyds savings account

As a Club Lloyds customer you can take advantage of preferential rates on our saving accounts.

For the interest rates on each of our Club savings accounts, see Exclusive savings accounts

Access to mortgage offers

• Exclusive Club Lloyds rate discount - you could get a 0.20% discount off the initial rate. Offer applies to first time buyers, customers who are switching their mortgage to us or moving home
• Cashback – you could also earn £250 cashback when purchasing a home with an A or B Energy Performance Certificate (EPC)

Offers can be withdrawn at any time. Exclusions and conditions apply.

Earn monthly credit interest

When you pay out two different Direct Debits each month. 

• 1.50%  AER Annual Equivalent Rate The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (1.49% gross Close Gross rate Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) variable credit interest on balances between £1 and £3,999.99
• 3.00% AER Annual Equivalent Rate The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (2.96% gross Close Gross rate Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) variable credit interest on any part of the balance between £4,000 and £5,000
• You won’t earn interest on any part of your balance over £5,000

Other exclusive banking offers

Take advantage of some of our other Club account offers

• Travel money - As a Club Lloyds customer you get preferential exchange rates when ordering travel money
• Smart Start account - A spending and savings account for 11-15 year olds, with no fees or charges

Get up to 15% cashback

Get up to 15% cashback when using your Visa Debit Card at selected retailers. Retailer offers and cashback amounts vary. Terms and conditions apply

Benefits supplied by selected third-party providers. Limits, terms & exclusions apply.

£2 Monthly Discount

You could get a £2 discount on your account fee each month. To qualify, in the last month you'll need to have:

• Paid in £4,300 or more (£5,500 if it's a joint account) into your Club Lloyds Silver account; or
• Held savings of £75,000 or more in qualifying accounts for the whole month.*

*For sole accounts, these savings can be in joint names or your name only. For joint accounts, these must be in your joint names only.

Please note that to receive the discount, you must pay the full Club Lloyds Silver account fee. The discount will then be paid into your account the following month.  Conditions apply (PDF, 78.4KB) . For more, please read these Frequently Asked Questions (PDF, 123KB) .

Silver insurance benefits

Existing account holder (including how to make a claim) expandable section, european and uk travel insurance expandable section.

European and UK multi-trip travel insurance administered by AWP Assistance UK Ltd (Allianz Assistance) and underwritten by AWP P&C SA.

Important information

Cover for any medical conditions under this policy: you may need to declare these, agree cover with Allianz Assistance and an additional premium may apply. If this affects you contact Allianz Assistance directly to find out more.

You might want to visit the MoneyHelper service, which lists firms offering travel insurance for customers with medical conditions. This could help if you’ve been offered cover with a high premium, been refused, or have had cover cancelled due to medical conditions. Think about what might suit your needs best and who you need specialist cover for. For more information  access the directory , or call them on 0800 138 7777 (Mon – Fri 8am to 6pm).

Keep in mind  the cover is provided whilst you are a United Kingdom resident and are registered with a Doctor in the United Kingdom.

Read the policy documents for full details and exclusions (PDF, 2.6MB) opens in a new tab

We will also provide you with the  Insurance Product Information Booklet (PDF, 302KB) opens in a new tab  as part of the account application process.

Claims and assistance

You can access your packaged bank account benefits, view policy details and make a claim in the app and via Internet Banking.

• For app, click on ‘view account benefits’ from the more button or search for ‘account benefits’.
• For Internet Banking head to the ‘account benefits’ section.

You can also make a claim by calling Silver Membership Services on  0345 603 1839

Call 0345 850 5300 If you’re abroad and need assistance, you can call our 24 hour assistance helpline on  +44 (0) 208 239 4010

You can also visit our payment disputes page , for help if your travel has been disrupted.

AA Breakdown Family Cover expandable section

AA Breakdown Family Cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

AA Breakdown Family Cover FAQs

Assistance and emergencies

If you break down on the road, call the AA direct on  0800 316 0096 Call 0800 783 0543  or Silver Membership Services on  0345 603 1839 Call 0345 850 5300 .

AA Accident Assist

AA Accident Assist is available to account holders only. This service could help if you or a person insured on your vehicle are in a motor accident where all parties are insured. The service could recover and fix your vehicle, provide a replacement vehicle or courtesy car and manage insurance claims.

The service is only available in England, Wales and mainland Scotland and is not available for motorbikes or mopeds.

We have included the AA Accident Assist terms and conditions in the policy documents. The link is provided above. You will only be asked to agree to the terms if you choose to use the service. The AA will check to see if you are eligible, talk through your situation, describe the help the service can offer, as well as any costs that may be involved, so that you can decide if you want to go ahead.

Mobile phone insurance expandable section

Mobile phone insurance is administered by Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited.

Keep in mind  unauthorised network charges are only covered in the event of a successful loss/theft claim.

Keep in mind  you’ll need to pay a contribution of £100 each time you make a successful claim (this is the excess).

Read the policy documents for full details and exclusions (PDF, 2.6MB) pdf - opens in a new tab

We will also provide you with the  Insurance Product Information Booklet (PDF, 302KB)  as part of the account application process.

It’s recommended that you register your phone details as it may help simplify the process for any claims you might have to make in the future. You only need to call us in the event of a claim in which we will register the details of your phone. Follow these steps to register your mobile phone through Internet Banking:

• Select the ‘More actions’ button on your Silver Account
• Then select ‘View account benefits’ found under the ‘Account information and benefits menu’
• You can register your phone under the ‘Mobile phone insurance’ section

You can make a claim by calling Silver Membership Services on 0345 603 1839

Assurant provide a mobile device trade in service for UK resident Lloyds Bank customers. You can trade in eligible mobile devices for a cash payment directly into your current account. More information on Assurant .

Existing customer queries

This account includes insurance and breakdown benefits. You can now view your policy details and make new claims in the app and Internet Banking. Find it in your account menu under 'view account benefits’.

Existing Customer Queries

Discover more about Packaged Bank Accounts

Club Lloyds benefits

Choose one of these lifestyle benefits.

12 months of Disney +

Magazine subscription

Coffee and dining offers

Cinema tickets

£175 switching offer terms and conditions expandable section.

To qualify for the £175 switching offer (“the offer”) you must switch to a new Club Lloyds Account, Club Lloyds Platinum Account or Club Lloyds Silver Account using the ‘Current Account Switch Service’ to switch from a bank account held with another bank. The following conditions apply:

• Use the ‘Current Account Switch Service’ to transfer all the active credits and debits from the bank account that you hold with another bank to a new Club Lloyds Account (a £3 monthly fee may apply), a new Club Lloyds Platinum Account (£22.50 monthly fee applies, plus £3 monthly Club Lloyds fee may apply) or a new Club Lloyds Silver Account (£11.50 monthly fee applies, plus £3 Club Lloyds fee may apply) (‘Qualifying Account’). The ‘Current Account Switch Service’ will close your old account with the other bank; and
• Your switch must include the transfer of a minimum of 3 active direct debits from your old account being switched to Lloyd’s as part of the offer. Direct debits set up after your switch has been started and other types of automated payments, such as standing orders and recurring card payments, won’t count towards the offer; and
• Start your switch from your old bank account using the ‘Current Account Switch Service’ to a Club Lloyds Account, Club Lloyds Platinum Account or Club Lloyds Silver Account between 28 th May 2024 and 30 th July 2024.

 You can’t take part in the offer if:

• You switch to any account other than a Club Lloyds Account, Club Lloyds Platinum Account, or Club Lloyds Silver Account.
• You switch to any existing Lloyds bank account, or you change your existing Lloyds Bank Current Account to a Club Lloyds Account, Club Lloyds Silver or Club Lloyds Platinum Account.
• You’ve received a switching offer since April 2020 for switching to any Lloyds, Bank of Scotland or Halifax Bank account.
• You are switching to a joint account and one of the parties to the joint account has already received a switching offer since April 2020.
• The bank you are switching from does not participate in the ‘Current Account Switch Service’. To find out more visit www.currentaccountswitch.co.uk
• You are an employee of Lloyds Banking Group, or if an employee is on any bank account held in joint names.
• The offer applies to applications received in branch, online or by phone from 28th May 2024 to 30th July 2024. The offer is subject to change and can be withdrawn without notice at any time.
• The offer does not automatically guarantee an arranged overdraft and any application for an arranged overdraft facility will be subject to status. If your Qualifying Account has an arranged overdraft, you won’t pay any daily arranged overdraft interest for 3 months provided you stay within your arranged overdraft limit and do not increase or otherwise change the arranged overdraft limit agreed.
• After 3 months, or if you change your account, you’ll be charged daily arranged overdraft interest applicable to the account you hold if you use your arranged overdraft. Please see the Personal Banking Terms and Conditions and Banking Charges leaflet for full details on arranged overdraft interest. You’ll have been given this when you opened your account, but if you would like another one, please ask in branch or look at www.lloydsbank.com/current-accounts/overdrafts
• Only one offer is available per customer. Joint accounts will only be paid one payment.
• The offer will be paid directly into your account within three working days of your switch completing and will appear as a cash credit. 

Frequently asked questions on the £175 to switch offer expandable section

When will I receive the £175? 

The offer will be paid directly into your account within 10 working days of you starting your switch and will appear as a cash credit.

As an existing Lloyds customer can I qualify for the £175 offer? 

Yes, as long as you open a new qualifying account named in the terms and conditions and you haven’t received a switching incentive from us, Bank of Scotland or Halifax since April 2020. You must complete your switch using the Current Account Switch Service to switch a bank account held elsewhere with at least 3 active direct debits.

Do I need to open a new account if I already have a Lloyds bank account? 

Yes, to qualify for the switch incentive you need to open a new qualifying account named in the terms and conditions and switch a bank account held elsewhere.

Can I change my existing account to one of the qualifying accounts and still receive the offer? 

No, you must open a new qualifying account and start the switch. You can do this by signing in to Internet Banking or using the Mobile Banking app.

To qualify for the offer do I need to complete the switch at the time of opening my new bank account? 

No, as long as you start your switch by the 30th July 2024, you can complete your switch through Internet Banking or on our mobile app.

What types of payments qualify as direct debits?

Your switch must include the transfer of a minimum of 3 active direct debits from your old account. Direct debits set up after you’ve started your switch as well as automated payments, such as standing orders and recurring card payments won’t count towards the offer.

Lifestyle benefits expandable section

As a Club Lloyds customer you can choose a different Lifestyle Benefit every year per account. There are four benefits available, each to suit different tastes:

Disney+ subscription

Coffee and Dining offers

An annual Coffee Club and Gourmet Society membership gives you 25% off barista-made drinks at Caffe Nero and 25% off your bill at brands such as Prezzo and thousands of independent restaurants. Get 50% off pizza takeaway alongside great discounts on theatre tickets and UK attractions.

Choose six cinema tickets from either ODEON cinemas or Vue cinemas. At Vue cinemas, your vouchers also entitle you to half price popcorn. At ODEON cinemas, you can redeem your vouchers at ODEON Kids Screenings, which come with a free small popcorn per ticket.

Choose one magazine to have delivered to your door and downloadable to your device (compatible with Apple and Android devices), or as a digital only subscription. For list of titles see  Lifestyle benefits .

Apple is a registered trademark of Apple inc. registered in the U.S and other countries. Android is a trademark of Google Inc.

More information

• Terms and conditions apply to each of the offers, find out more information in the  Club Lloyds Lifestyle Benefits T&Cs (PDF, 104KB)  or visit our webpage below.
• If we see no activity on your account you may not be able to reselect a lifestyle benefit at renewal.

More about lifestyle benefits and FAQs

Monthly credit interest expandable section

What is the credit interest rate on this account?

• Balances between £1 - £3,999.99 receive 1.50%  AER Annual Equivalent Rate The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (1.49% gross Close Gross rate Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a) variable credit interest, paid monthly.
• Balances between £4,000 - £5,000 receive 3.00% AER Annual Equivalent Rate The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily.  (2.96% gross Close Gross rate Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a) variable credit interest, paid monthly.
• You won’t earn interest on any part of your balance over £5,000.

You just need to pay out two different Direct Debits from your Club Lloyds account each calendar month. Interest is variable, worked out daily and paid monthly.

For example, if you have £4,500, you earn 1.50% AER Annual Equivalent Rate The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (1.49% gross Close Gross rate Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a) variable interest on the first £3,999.99, then 3.00% AER Annual Equivalent Rate The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (2.96% gross Close Gross rate Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a) variable on the rest.

Interest on this account is paid gross, which means we won't deduct any tax from the interest paid on your account. You will need to pay any tax you may owe to HM Revenue & Customs (HMRC).

What do I have to do to earn the credit interest?

You need to pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.

Please note, qualifying Direct Debits must come out monthly, quarterly Direct Debits do not qualify. Also Standing Orders do not qualify.

Can I earn credit interest on balances over £5,000?

No, credit interest is not payable on the amount of any balance over £5,000.

When is the credit interest paid?

If you earn the credit interest, it will be paid into your Club Lloyds current account by the second working day of the following calendar month.

If you do not earn the credit interest, you won't receive payment the following calendar month.

If I do not receive the credit interest one month can I earn interest the following month?

Yes, if in any month you do not receive the credit interest, you can still earn interest in future months. Just make sure you pay out two separate Direct Debits in the next calendar month.

Do I have to pay out two separate Direct Debits each month?

No, there is no requirement on this account to pay out two separate Direct Debits each month. You only have to pay out two separate Direct Debits each month to earn the credit interest on balances between £1 - £5,000.

Exclusive savings accounts expandable section

This savings account is for people who want to save regularly for 12 months and get a fixed rate of interest.

• Save from £25 to £400 a month.
• Receive 6.25% AER/gross interest on your savings. Interest is fixed so it won’t change during the term.
• Withdraw your money when you need it without charge.

More about the Club Lloyds Monthly Saver

Club Lloyds Advantage Saver

This account is ideal for people who don’t need to make regular withdrawals, as you earn a higher interest rate if you make fewer withdrawals.

• Open with just £1.
• Receive 4.00% AER/3.93% gross variable interest if you make three or less withdrawals in a 12 month period. Get 1.30% AER/1.29% gross variable if you make four or more withdrawals in a 12 month period. Interest is paid monthly.

More about the Club Lloyds Advantage Saver

Club Lloyds Advantage ISA Saver

This is our cash ISA for Club Lloyds customers which pays more interest if you make fewer withdrawals.

• Receive 4.00% AER/3.93% tax free variable interest if you make three or less withdrawals in a 12 month period. Get 1.30% AER/1.29% tax free variable if you make four or more withdrawals in a 12 month period. Interest is paid monthly.

More about the Club Lloyds Advantage ISA Saver

Club Lloyds Saver

This savings account is for people who want to save as often as they like and have instant access to their money.

• Receive up to 2.20% AER/gross variable interest on your savings. The rate depends on your balance.
• Withdraw money when you like without charge.

More about the Club Lloyds Saver

See our full savings account range

Mortgage offers expandable section

Exclusive club lloyds rate discount.

You could get a 0.20% discount off the initial rate when you take out a mortgage with us.

Offer applies to first time buyers, customers who are switching their mortgage to us or moving home.

Already have a Lloyds Bank mortgage? You could get a 0.20% discount off the initial rate when you switch to a new mortgage deal.

You must have a Club Lloyds current account at the time of mortgage application.

More about Club Lloyds mortgage offers

YOU COULD LOSE YOUR HOME IF YOU DON'T KEEP UP YOUR MORTGAGE REPAYMENTS

First time buyers could also earn £250 cashback when purchasing a home with an A or B Energy Performance Certificate (EPC).

Other banking offers expandable section

With a Club Lloyds account you get access to preferential exchange rates when ordering travel money with Lloyds Bank.

Just order from a range of currencies by 3pm for free next working day delivery to your home or your local branch.

Existing Club Lloyds customer?

Login to order travel money

New to Club Lloyds?

More about travel money

Children’s account: Smart Start

With Smart Start, the child gets a savings account and a current account. Ideal for 11 to 15 year olds who want their first account with parental oversight.

• The child gets their own contactless Visa debit card.
• Parent or legal guardian has oversight of account activity.
• Interest is earned on savings account only. Earn 3.15% AER/3.11% gross variable interest on balances of £1 to £1,000. Earn 1.40% AER/1.39% gross variable interest on any money above £1,000.

More about Smart Start

Monthly fee expandable section

The Club Lloyds Silver monthly fee comprises of:

• Silver Account monthly fee of £11.50 per month; plus
• Club Lloyds monthly fee of £3 per month. To waive the £3 fee, pay in at least £2,000 each month into your account. If in any month you don't pay in this amount, you’ll need to pay the £3 monthly fee.

Maximum combined monthly fee of £14.50 per month.

How do I waive the £3 monthly fee?

You'll need to pay at least £2,000 into your Club Lloyds account each calendar month to waive the following month's fee. Each month you pay in £2,000 or more, you'll not be charged the fee.

What deposits qualifies towards the £2,000?

All deposits including cash, cheques, Bacs, Faster Payments and instant transfers in. This includes salaries, pensions and benefits paid in by these methods. Money refunded into your account does not count as a deposit.

Do I need to pay the £2,000 in one deposit?

No, we take the total of all deposits you made in the calendar month. For example, you could pay four separate £500 deposits totalling £2,000 for the month.

Do I need to keep the money in the account?

No, as long as the money is registered into your account, it will count towards the £2,000 requirement to waive the fee. Use any money paid as normal to pay bills, spend or transferred into another account.

Account services & Mobile app features expandable section

Account services.

Our Payments are quick and secure, and we keep things simple. You can also pay a cheque of up to £5,000 into your account by simply taking a photo of your cheque and uploading to the Mobile Banking app. There is a maximum daily limit of £5,000 per day. Send International Payments  in over 30 currencies, with fee-free euro payments.

You can use your Visa Debit Card in over 500,000 locations in the UK and 27 million worldwide. Tap and pay with a Visa Debit Card up to £100. You can now use our Mobile Banking app to choose a  contactless payment limit  between £30 and £95. You can also add your card to Apple Pay and Google Pay. You can withdraw up to £800 a day from a Lloyds Bank Cashpoint or other cash machines.

Save the Change®  makes saving easy. When you buy something with your Lloyds Bank debit card (and your account is in credit), we’ll round up the amount to the nearest pound and transfer the difference into an eligible Lloyds Bank  savings account .

Mobile features

Mobile banking app.

Our Mobile Banking app  is quick and easy to install and more secure than ever – it's the easy way to stay on top of your money. You can; get app notifications, view your card and PIN, freeze your card, manage subscriptions, and check your Credit Score - with no impact on your credit file. Personal UK Internet Banking customers only. Terms and Conditions apply.

Banking your way

Bank your way  with us. There are quick, easy ways other than in branch to manage your money. For 24 hours a day, 7 days a week access, go online with  Internet Banking  or Mobile Banking, or use Telephone Banking.

Mobile Alerts

Our mobile alerts  service offers a simple way to stay on top of your finances without even having to think about it. So, if we have a mobile number for you, we’ll help you keep an eye on your balance.

Money Manager

Keep track of your spending with our Money Manager and see at a glance where your money goes with our free Internet Banking service.

Open a Club Lloyds Silver Account today

To apply, you need to be  aged 18 or older and  live in the UK . If you are not an existing Lloyds Bank customer you may need to provide proof of identity .

Apply with our app

Scan the QR code and join the millions of users on the  Mobile Banking app .

Rather apply online?

Continue on the website

Existing customer

Open a new or change your existing account through Internet Banking.  

Log in to apply

Joint account

Joint bank accounts are an easy way to help two people manage money.  

See joint accounts

Join the millions of users on the Mobile Banking app.

Get started on the app

Open a new or change your existing account through Internet Banking.

Joint bank accounts are an easy way to help two people manage money.

You can also apply for this account by booking an appointment at your  nearest branch . 

Choose the best current account for you

£22.50 monthly fee.

• Everything you get with the Classic account
• Worldwide multi-trip family travel insurance up to age 80
• AA Breakdown Family Cover with Roadside Assistance, National Recovery and At Home
• No debit card fees from us at home or abroad 

Included in the £175 switching offer

£22.50 monthly fee, plus a £3 monthly Club Lloyds fee. The £3 Club Lloyds fee is waived each month that you pay in £2,000 or more. 

• Everything you get with the Classic, Club Lloyds and Platinum accounts

£3 monthly fee, waived each month that you pay in £2,000 or more.

• Earn credit interest on your money - on balances up to £5,000,  when you pay out two different Direct Debits each month
• 12 months of Disney+
• 6 x cinema tickets at ODEON or Vue cinemas
• An annual Coffee Club and Gourmet Society membership
• An annual magazine subscription

Free everyday banking when you stay in credit.

• Contactless debit card
• Get up to 15% cashback - earn cashback with Everyday Offers when you pay by credit/debit card or Direct Debit with selected retailers*
• Arranged overdraft facilities available**

* Merchant offers and cashback amounts vary. Internet Banking registration required. T&Cs apply.

** All overdrafts are subject to our assessment of your circumstances, and are repayable on demand

Current account FAQs

What is a packaged bank account expandable section.

Packaged bank accounts typically involve paying a monthly fee in return for additional account perks and benefits. For example, these benefits could include breakdown cover, mobile phone insurance and travel insurance, all of which would be covered by the monthly account fee. These are on top of all the features you might normally expect from a current account. If you have a need for more than one of the benefits, it’s a great way to have your insurances grouped together and can often be seen as more cost effective.

Switch to Lloyds Bank expandable section

Switch your current account to us in just 7 working days, using our stress-free process.

Whether you want to move to Lloyds Bank or you already bank with us, switching is easy. Our team will do everything to make sure your switch runs smoothly, including transferring all your Direct Debits and standing orders to your new account.

You'll be able to switch your account to us at the end of your online application.

Here's how the process works

• Working day 1 The switching begins. We make contact with your old bank to arrange the switch.
• Working day 2 We’ll let you know your old bank has received your request. We then start transferring your payments to your new Lloyds Bank account.
• Working day 3-5 It will take a couple of days to switch over your payment arrangements, and make sure your Lloyds Bank account is ready to go for the switch date.
• Working day 6 If you’re clearing a debit balance at your old account, you’ll need to make sure there are enough funds in your Lloyds Bank account to cover the transfer.
• Working day 7 Congratulations, your switch is complete. Your balance is transferred and your old account is closed.
• After you switch We'll arrange for payments accidentally made to your old account to be automatically redirected to your new account. We'll also contact the sender and give them your new account details.

Current Account Switch Guarantee

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current account provider we offer the following guarantee.

The service is free to use and you can choose and agree your switch date with us.

We'll take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).

If you have money in your old account, we'll transfer it to your new account on your switch date.

We'll arrange for payments accidentally made to your old account to be automatically redirected to your new account. We'll also contact the sender and give them your new account details.

If there are any issues in making the switch, we'll contact you before your switch date.

If anything goes wrong with the switch, as soon as we are told, we'll refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

Read the account switching guide (PDF, 350KB) pdf - opens in a new tab More about switching

Arranged overdraft expandable section

An arranged overdraft can act as a short term safety net. You can use it to borrow money up to an agreed limit through your bank account.

• You can apply to add an arranged overdraft to your account and you’ll only pay daily arranged overdraft interest if you use it.
• If you use your arranged overdraft but pay it back before the end of the day, then you won’t pay any arranged overdraft interest for that day.

Helpful tools  - You can use our  eligibility checker  and  cost calculator  to check your eligibility and calculate the cost of an arranged overdraft.

Applying for an arranged overdraft  - When you have applied for this account, at the end of the application you can apply for an arranged overdraft which you can add right away. You can also apply for one later.

Amending an arranged overdraft  - You can reduce or remove your arranged overdraft at any time through Mobile Banking, Internet Banking or Telephone Banking or by visiting your branch. But you must repay anything you owe if you want to remove an arranged overdraft or anything over the new reduced limit you want. You can also apply to increase it. Using an arranged overdraft increases your overall borrowing and may affect your credit score.

If you don't have enough money in your account or available arranged overdraft to make a payment, we may either let you borrow through an unarranged overdraft or refuse to make the payment. Missing payments and using an unarranged overdraft can damage your credit score, please get in touch with us as we may be able to help you.

Applying for this product does not improve your eligibility for an arranged overdraft.

All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.

Arranged overdraft details

• £50 interest free amount
• 39.9% EAR (variable) representative
• Your interest rate will be based on how you manage any accounts you have with us and on the credit information we hold about you
• No unarranged overdraft interest, fees or charges

Representative Example

A variable representative rate of 57.92% APR

A variable interest rate of  39.9% EAR EAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged over the year based on how often and how much you are overdrawn by, and the effect of compounding it – charging interest on interest already charged. This interest rate does not include any other fees and charges.

Based on borrowing  £1,200

The APR includes monthly fees of £11.50, Club Lloyds monthly account fees of £3* and an interest free amount of £50

* The Club Lloyds fee of £3 is waived for each month you pay in at least £2,000 into your account. 

How much does my overdraft cost in pounds and pence?

As an example, the interest cost of borrowing £500 is:

£3.22  for 7 days

£13.86  for 30 days

£28.09  for 60 days

How does our overdraft compare?

You can use the representative APR to compare with other products or credit providers, this can help you make sure that you choose the right type of borrowing for you.

Useful tools

You can use our calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time.

Cost Calculator

You can use our eligibility tool to find out if you are eligible for an arranged overdraft.

Eligibility Tool

More about personal arranged overdrafts

Do you already have a current account with us and need an arranged overdraft?

If you already have a current account with us, you can apply for an arranged overdraft through Internet Banking or Mobile Banking. You can also apply to increase your existing arranged overdraft limit too.

Log on to apply for an arranged overdraft

Terms and conditions expandable section

• Personal banking terms and conditions & Banking Charges opens in a new tab (pdf, 471.7 KB)
• Silver Account Welcome Pack opens in a new tab (pdf, 2.5 MB)
• Bank account welcome pack opens in a new tab (pdf, 453.5 KB)
• Current account rates opens in a new tab (web)
• Club Lloyds lifestyle benefits terms and conditions opens in a new tab (pdf, 186.5 KB)

Important legal 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.

Lloyds Bank adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk .

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.

Account opening is subject to our assessment of your circumstances. You must be over 18 to apply.

Overdrafts are repayable in full on demand.

Club Lloyds Lifestyle Benefits are administered by Hawk Incentives Limited, on behalf of Lloyds Bank. The benefits available for selection may be changed or updated from time to time.

Disney Plus and the Disney+ logo are registered trademarks of Disney Enterprises Inc.

Start your AVIVA Travel insurance claim

If it’s an overseas emergency, please call +44 1603 603 710 24 hours a day.

• If you need to make a claim, please make sure you’ve contacted your travel and accommodation provider to discuss your options. Travel insurance only provides cover for non-refundable costs.

If it’s not an emergency, the easiest way to start your claim is online. You will need the following details

• Your personal details plus details of anyone else claiming on this policy.
• Details about your trip, for example date of travel, airline if relevant.
• Details of your claim, for example the amounts that you’re claiming for.

Once you have submitted your claim, the claims team will contact you by email; usually within 10 minutes of your submission; to let you know next steps.

If the Claims Team are unable to process your request, for some reason e.g. incorrect email address, they will contact you. To prevent this from happening, please carefully check the details you input.

TSB Bank plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland, no. SC95237. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240.

TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.

Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service. Not all telephone banking services are available 24/7.

Together we can end domestic abuse.