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 4.1% is available on one of its cash ISA accounts.
Cash ISAs
Table: sorted by interest rate
Lloyds Bank's best cash ISA rate of 4.1% is significantly lower than today's market-best rate of 6%.
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How we picked theseFixed-rate bonds
Table: sorted by interest rate
Lloyds Bank's best fixed-rate bond rate of 3.35% is lower than today's market-best rate of 4.75%.
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How we picked theseBusiness savings accounts
Table: sorted by interest rate
Lloyds Bank's best business savings account rate of 2.87% is significantly lower than today's market-best rate of 4.55%.
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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 | 4.1% |
| Best fixed-rate bond rate | 3.35% |
| Best business savings account rate | 2.87% |
| Fixed bond terms | 1 year - 2 years |
| Opening options | Branch, website, mobile app, telephone |
| FSCS protection |
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
- Fees (if there are any)
- Access to cash (if you need quick access, for instance)
How to open a Lloyds savings account
- With all Lloyds savings accounts you must be 16 or older
- 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.
Lloyds Bank customer reviews
In our independent 2025 customer satisfaction survey, 83% of Lloyds Bank’s users said they’d recommend its savings products to a friend.
The Lloyds Bank app has a rating of 4.8 out of 5 from more than 2.2 million reviews on the Apple App Store. On the Google Play Store, it has a score of 4.6 out of 5 from around 354,000 Android app users.
Over on Trustpilot, Lloyds Bank scores 1.6 out of 5 from 5,600 reviews.
These were checked in May 2025.
What are the pros and cons of banking with Lloyds?
Pros
- Online banking. With most of Lloyds' savers 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.
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
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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
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