Cash ISAs
Lloyds Bank’s top savings rates get… rated
Lloyds Bank offers a broad range of savings accounts with interest rates up to 6.25%.
Despite declining branch numbers, Lloyds Bank remains one of the most trusted names in British banking. But can you trust it to offer decent savings rates? We've broken down Lloyds' current range by type and held its best rates up against the market leaders right now. Lloyds Bank's top savings rate of 4.2% is available on one of its cash ISA accounts.
Cash ISAs
Table: sorted by interest rate
Lloyds Bank's best cash ISA rate of 4.2% is lower than today's market-best rate of 5.3%.
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Fixed-rate bonds
Table: sorted by interest rate
Lloyds Bank's best fixed-rate bond rate of 4.2% is lower than today's market-best rate of 5.4%.
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Business savings accounts
Table: sorted by interest rate
Lloyds Bank's best business savings account rate of 4.01% is lower than today's market-best rate of 5.2%.
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What is Lloyds Bank's best savings account with the highest interest rate?
The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.
Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts Lloyds Bank offers, plus the highest interest rate currently available.
| Savings account types include | Cash isas, fixed-rate bonds, business |
|---|---|
| Best cash ISA rate | 4.2% |
| Best fixed-rate bond rate | 4.2% |
| Best business savings account rate | 4.01% |
| Fixed bond terms | 1 year - 2 years |
| Opening options | Branch, website, mobile app, telephone |
| FSCS protection |
Lloyds Upfront Interest Fixed Bond
In October 2026, Lloyds launched a new type of fixed rate bond where the interest is paid in the first month of opening the account, rather than at the end of the term. For more information, you can read our Lloyds Upfront Interest review.
Other popular accounts
Didn’t find the account type you were looking for? Check our other guides:
How do I decide which account is for me?
Firstly, you need to decide what you’re looking for in a savings account. How often are you planning to draw out money? How much money can you afford to save each month?
You need to work out what you need before comparing the different offers available for certain types of savings accounts. Once you have done that, it’s useful to look at:
- Interest rates
- Minimium and maximum balance requirements
- Access to cash (if you need quick access, for instance)
How to open a Lloyds savings account
- With most Lloyds savings accounts you must be 16 or older – you must be 18 or over to open a cash ISA
- You must also be a resident in the UK for tax purposes
- Most of the accounts discussed can be opened at a branch, online or over the phone
Does Lloyds offer online or mobile banking?
Yes, Lloyds offers online and mobile banking services, so you can bank with ease wherever you are. Well, at least somewhere with Internet connection.
What do customers say about Lloyds Bank?
97% of customers we surveyed in 2026 would recommend Lloyds Bank to a friend.
It's viewed as a highly reliable and convenient option, especially for customers who already hold a current account with the bank. Users appreciate the seamless app experience, quick money transfers, and helpful customer service.
While the bank is deeply trusted and keeps money secure, feedback on the interest rates is mixed; some find them competitive, while others feel they could be improved compared to the wider market.
AI-generated summary from the text of customer reviews on Finder.
Lloyds Bank and Finder Awards
Our Finder Awards celebrate brands that truly stand out in their field. Lloyds Bank was named our 2026 Savings Customer Satisfaction Award winner!
What are the pros and cons of banking with Lloyds?
Pros
- Online banking. With most of Lloyds' savings options you can access your account online. Lloyds offers a mobile app too.
- Flexibility. Lloyds offers several savings account options, so there's bound to be one suited to your needs.
- Preferential interest rates for existing customers. If you are a Club Lloyds customer, then you may be able to access slightly better interest rates on some Lloyds savings accounts.
Cons
- Better rates elsewhere? While Lloyds does offer competitive interest rates you can get better elsewhere. They're certainly not market leading.
- Branch closures. Lloyds is continuing to close branches, making face-to-face banking more of a challenge.
Customer service information for Lloyds
| Email support | |
|---|---|
| Telephone support | |
| In-app or live chat | |
| Contact form | |
| Branch support |
Bottom line
Whether you want to lock away your money for a fixed amount of time, or need to be able to access it whenever required, Lloyds offers a range of savings accounts and other options to help you manage your money.
Don’t forget to check our top savings rates round-up first, though, to see how Lloyds savings accounts weigh up against the competition in terms of rates, fees and perks.
Frequently asked questions
Our “Best for” picks highlight top options in specific categories based on our independent evaluation (see our full methodology), while “Promoted” tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.
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More resources on Finder
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