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LLOYDS BANK PACKAGED BANK ACCOUNT
Gold Account
This account is no longer available for new customers. The monthly fee for existing Gold Account customers is £16.95.
If you’re a Gold account customer, please read our FAQs (PDF, 145KB) for more information about the travel insurance which comes with your account and COVID-19. You can also visit our payment disputes page , for help if your travel has been disrupted.
Features and benefits
- Worldwide travel insurance Up to 80 years of age, cover for you and your family (if eligible) for up to 31 consecutive days per trip (for Winter Sports maximum 31 days cover in any calendar year).
- AA Breakdown Family Cover Whether you or your eligible family members are in their own vehicle or someone else’s.
- Mobile phone insurance Worldwide cover for loss, theft, damage and breakdown (including faults).
No debit card fees from us at home or abroad
- Arranged overdraft You can apply for an arranged overdraft where up to the first £50 is interest-free.
Keep in mind
- Unavailable to new customers This account is no longer available for new customers. Existing Gold account holders can still take advantage of the benefits and features listed below.
- Monthly fee The Gold Account has a monthly fee of £16.95 .
- Conditions and exclusions Travel insurance, breakdown cover and mobile phone insurance come with individual terms and conditions and limitations (PDF, 4.5MB).
- Arranged overdraft All arranged overdraft applications are subject to approval after our assessment of your circumstances.
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 .
Looking for a Packaged Bank Account or looking to upgrade your existing Gold Account?
Our Silver and Platinum Accounts come with similar benefits to the Gold Account, for a monthly fee to maintain the account.
Compare now
Arranged overdraft
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. This application won't 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.
Read our important information on overdraft rates and charges expandable section
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 58.7% 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 account fees of £16.95 and an interest free amount of £50
How much does my overdraft cost in pounds and pence?
As an example, the interest cost of borrowing £500 is:
£2.87 for 7 days
£12.42 for 30 days
£25.18 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
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
Gold Account benefits in full expandable section
Worldwide travel insurance.
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 .
- Worldwide travel insurance including Winter Sports for you and your family (if eligible), for up to 31 consecutive days per trip (for Winter Sports maximum 31 days cover in any calendar year).
- There is no limit on the number of trips each year.
- Covers UK leisure travel when 2 or more consecutive nights accommodation is booked (5 consecutive nights or more for business trips).
- All cover ceases on the account holders 80th birthday - so long as the account holder is under 80 their spouse, partner or civil partner will also be covered until they reach 80.
- There's cover for the children of you/your partner, spouse or civil partner when travelling with either of you or another responsible adult, provided the children are 18 or under (24 or under if still in full time education). There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
- Medical conditions that you and anyone to be covered have, or have had, if they are not all on the ‘No Screen Conditions’ list must be declared and cover agreed with the insurer (there may be an additional premium if the insurer agrees to cover the condition(s))
- Cover is only available to UK residents, registered with a doctor in the UK and who start and end trips in the UK. (UK includes Channel Islands/Isle of Man.)
- There is no cover for any amount recoverable from any other source such as your airline or your accommodation provider.
- There is no cover if travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority
- There is no cover if you cannot travel or choose not to travel because the FCDO, or any other equivalent government body in another country advises against travel due to a pandemic
- Emergency medical cover (up to £10,000,000).
- Cancellation or curtailment cover (up to £5,000).
- Personal accident cover (up to £30,000).
- Baggage cover (up to £2,500 (valuables up to £500 in total)).
- Travel disruption cover (up to £5,000).
£75 excess per adult per incident may apply.
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 document for full details and exclusions (PDF) opens in a new tab.
Claims and assistance
You can make a claim online using the Allianz Assistance Hub, which can be securely accessed through our Mobile Banking app and Internet Banking.
If you don’t bank online, please call Gold Membership Services .
AA Breakdown Family Cover
- Roadside Assistance: At the roadside if a vehicle you or your eligible family members are travelling in has broken down over a quarter of a mile from home. If the vehicle can’t be fixed at the roadside, you or your eligible family member will be taken to the AA’s choice of relevant local repairer or local destination of choice, provided it is no further.
- There’s no cover for you/your eligible family member if you or they are involved in a road traffic accident and the AA will not recover your vehicle. The AA may be able to provide support in the event of an accident if you decide to use the AA Accident Assist service - see below.
More about AA Breakdown Family Cover
Assistance and emergencies
If you break down on the road, please call Gold Membership Services .
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
Your insurance, administered by Lifestyle Services Group Limited (LSG) and underwritten by Assurant General Insurance Limited, covers one phone for sole Gold Account holders, and two phones for joint accounts.
- It covers phones worldwide up to a maximum individual value of £2,000, including VAT.
- No more than 2 successful claims per account holder in any 12 month period.
- Repair or replacement of your phone worth up to £2,000 (including VAT) per claim (replacement phones will come from refurbished or re-manufactured stock i.e. not brand new) in the event of loss, theft or damage.
- It covers the cost of unauthorised network charges (calls, data, etc.) from the point your mobile phone is lost or stolen and for up to 24 hours after discovery of the loss or theft made up to £1,500 including VAT for contract phones, and up to £450 including VAT for prepay phones.
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).
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 Gold 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
If you don’t bank online, you can also register your phone details or make a claim by calling us .
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.
Services that come with this account expandable section
You can withdraw up to £800 a day from a Lloyds Bank Cashpoint or other cash machines. You can use your Visa debit card in over 500,000 locations in the UK and 27 million worldwide.
More about debit cards
Banking your way
Quick, easy ways other than in branch to manage your money 24 hours a day, 7 days a week, online or on the phone with Internet Banking , PhoneBank® and Mobile Banking.
More about ways to bank
Get up to 15% cashback using Everyday Offers at the type of places you regularly shop. It’s available to UK personal current account customers over 18, who bank online. Retailer offers and cashback amounts may vary.
More about Everyday Offers
Text Alerts
Our text 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.
More about text alerts
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 .
More about Save the Change®
Money Manager
Keep track of your spending and see at a glance where your money goes with our free Internet Banking service.
More about Money Manager
Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile.
Personal UK Internet Banking customers only. Terms and Conditions apply.
More about the Mobile Banking app
Terms and conditions expandable section
- Personal banking terms and conditions & Banking charges guide PDF opens in a new tab. (pdf, 471.7 KB)
- Gold Account welcome pack PDF opens in a new tab. (pdf, 1.3 MB)
- Gold Account important information opens in a new tab. (web)
- Current account rates opens in a new tab. (web)
See available accounts expandable section
With so much choice, take a look at our other current accounts to see which account suits you best.
Compare accounts now
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Financial Services Compensation Scheme
More about Financial Services Compensation
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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.
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 18 or over to apply.
Overdrafts are repayable in full on demand. View Arranged Overdraft borrowing fees .
Your Travel Insurance Claim
Please tell us about yourself
Please tell us about you and your policy. If you have a single trip or annual travel insurance policy, please enter the name, date of birth and postcode of someone insured on the policy.
Premier Account Worldwide Travel Insurance - Current accounts - TSB
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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.
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COMMENTS
Welcome to your Gold Account Worldwide Travel Insurance. Please take time to read this policy document as it contains important information. If you have a question and cannot find the answer in this policy document, please contact Gold Membership Services on 0345 835 3834. Known event: Your Gold Account Worldwide Travel Insurance covers you
This TSB Gold Account Worldwide Travel insurance policy protects you against costs that could arise in the course of your travels. It covers such things as emergency medical treatment, personal liability, legal expenses and the theft of your money - although some cover may be optional.
Gold Added Value accounts. Our Gold Added Value Accounts, including Gold Plus and Gold Enhance, are no longer available to new customers. The price of the Gold Account for existing customers is £15 a month. Be aware that if you move overseas you may no longer be eligible for the insurance benefits. Please refer to the Gold Account Welcome pack ...
A guide to all your Gold account benefits.
Things you need to know 1. Your Gold Account is designed to make life easier. If there's. Worldwide Travel Insurance 3. anything we can do to help, please let us know. AA Breakdown Cover 5. • Call Gold Membership Services on 0845 835 3834.
Call u0007Premier Membership Services on 0345 975 8000. AA Breakdown Cover 5. If you need to call us from abroad or prefer not to use our 0345 number, you can also. call us on +44 (0) 203 284 1580. Mobile Phone Insurance 6. Click u0007tsb.co.uk/premier or the Account Benefits tab of your current.
Packaged Bank Account Travel Insurance
Travel Insurance helplines. Gold Membership Services Travel Claims Travel Assistance 8VH WKLV KHOSOLQH LI \RX ZDQW WR SXUFKDVHŊDQ Use this helpline to report any travel This helpline can assist you with a wide XSJUDGH DQG IRUŊJHQHUDOŊSROLF\ HQTXLULHV claims, which are not as a result of a range of travel advice before and while medical emergency.
Gold Current Account
22 August 2022 at 5:55PM. Alderbank said: In the past, claims of mis-selling have been upheld when customers were unclear about insurance details of accounts with benefits. As a result LBG are almost obsessive about telling me about every little detail change to the travel insurance part of my Platinum account.
TSB gold account privileges. JP_RP Posts: 1 Newbie. 19 February 2021 at 6:22PM. As a long standing customer of TSB I have an account which comes with free privileges providing my balance remains above a certain amount. When TSB split with Lloyds I was assured by TSB that these privileges would remain if I stayed with them.
Most travel insurance which comes as part of a packaged bank account comes with an age limit. Where partners are covered, they will need to be under the age limit too. The maximum age can vary between banks, and the policies they offer. For example, with Lloyds' Silver account, you're covered up to the age of 65, but if you have a Lloyds ...
Your Travel Insurance Claim. Please tell us about yourself. Please tell us about you and your policy. If you have a single trip or annual travel insurance policy, please enter the name, date of birth and postcode of someone insured on the policy. Start your claim.
Will Kirkman 24 February 2021 • 5:00am. Some of TSB's longest-serving customers will have to pay £15 to retain benefits such as breakdown cover and travel insurance despite having received them ...
Welcome to your Premier Account Worldwide. Travel Insurance. Please take time to read this policy document as it contains important information. If you. have a question and cannot find the answer in this policy document, please contact Premier. Membership Services on 0345 9755 8000.
Upgrading TSB Current account question. gt94sss2 Posts: 5,757 Forumite. 18 May 2015 at 2:09PM. My father currently has several TSB Current accounts (ex LloydsTSB Vantage/Enhance accounts) One of these is a AVA account (a TSB Gold Account) - mainly for the worldwide travel insurance - and the others are standard/free 'Enhance' accounts.
How to get proof of travel insurance
Aviva and TSB extend home and travel partnership until 2028
A guide to all your Platinum account benefits.
We are going to Corfu for a fortnights holiday soon and have travel insurance with our Lloyds TSB gold account. Has anyone claimed on one of these policies?
Just to add to this, I've had problems with the travel insurance on my Lloyds Account too. I got the travel insurance as part of my gold account, but didn't realise until I went to make a claim that there was a "price" in terms of making a claim in that the level of cover proved to be much lower than if I had taken out independent insurance and the claims experience was very difficult.
Get Your AVIVA Travel Insurance Claim Started
The Gold account would need to pay in £1000 per month, which is met by my state pension, so not a problem, plus required to keep a minimum of £5000 in the account, which gives 3% interest, but the account costs £12.95 pm, so interest is negated. All direct debits are paid by the classic account, approximately £1000 each year, so I will need ...