{"id":413940,"date":"2021-09-15T12:05:15","date_gmt":"2021-09-15T11:05:15","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=413940"},"modified":"2026-02-12T16:10:19","modified_gmt":"2026-02-12T16:10:19","slug":"club-lloyds-current-account-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/club-lloyds-current-account-review","title":{"rendered":"Club Lloyds current account review: Is it worth it?"},"content":{"rendered":"<h3>What is the Club Lloyds current account?<\/h3><p>The Club Lloyds current account works in the same way as a standard bank account, but lets you earn rewards and cashback as well as interest on balances up to \u00a35,000. In return, you\u2019ll need to meet certain conditions or pay a monthly fee of \u00a35. <\/p><p>You can open the account individually or jointly and it comes with a contactless Visa debit card.<\/p><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"7dxj8B4r5Xc\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/7dxj8B4r5Xc\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/7dxj8B4r5Xc\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/7dxj8B4r5Xc\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">6:46<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-7dxj8B4r5Xc\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3>How does it work?<\/h3><p>As well as being able to set up direct debits and standing orders, and apply for an arranged overdraft, the Club Lloyds current account offers the following features:<\/p><ul><li><strong>Choose a reward each year.<\/strong> Choose from  12 months of Disney+, 6 x cinema tickets at ODEON or Vue cinemas, 1 x annual digital Coffee Club and Gourmet Society membership, or an annual magazine subscription.<\/li><li><strong>Get up to 15% cashback.<\/strong> With Everyday Offers when you pay by credit card, debit card or direct debit with selected retailers.<\/li><li><strong>Exclusive banking offers.<\/strong> Access to offers on a range of Lloyds Bank products such as mortgages and savings accounts.<\/li><li><strong>Save the Change.<\/strong> Round up your card payments to the nearest pound to save as you spend.<\/li><\/ul><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div 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  <path d=\"M216.34 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93ZM105.92 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: Is Club Lloyds worth it?<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"Club Lloyds is effectively an add-on you can make use of if you have a Lloyds current account. You\u2019ll need to either pay a \u00a35 monthly fee or deposit \u00a32,000 or more into your account each month so the fee is waived.<\/p><p>In return, you\u2019ll be able to choose one lifestyle benefit each year, such as free cinema tickets, a Disney+ subscription, a 12-month Coffee Club and Gourmet Society membership or a magazine subscription. You\u2019ll also get access to exclusive savings rates and mortgage offers from Lloyds Bank. <\/p><p>In the grand scheme of things, these benefits aren\u2019t anything to get hugely excited about. But, if you think you\u2019ll use them, a monthly fee of \u00a35 is reasonable \u2013 and if you can afford to pay in the \u00a32,000 or more a month to cancel the fee, then even better. <\/p><p>If you already have a Lloyds current account and are happy to meet either of these requirements, you have nothing to lose by signing up to Club Lloyds. But if you\u2019re after more in the way of perks and you are happy to pay a monthly fee, you\u2019re probably better off looking elsewhere.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Rachel Wait's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=360 360w, 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0-84.33-37.75-84.33-84.33V15.9h193.18m-.01-12.14H7.01v96.46c0 53.19 43.27 96.46 96.46 96.46 19.47 0 38.46-5.92 54.43-16.84 15.96 10.91 34.95 16.84 54.42 16.84 53.19 0 96.46-43.27 96.46-96.46S265.51 3.76 212.32 3.76\" fill=\"#232021\"><\/path>\n        <path d=\"M216.34 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93ZM105.92 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                                    <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" itemprop=\"url\" target=\"_blank\">\n                                Rachel Wait\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Writer<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>How do you apply to Club Lloyds?<\/h3><p>If you\u2019re a new customer, the easiest way to apply for the Club Lloyds account is by filling in a form online. You should get a decision within 10 minutes. If you\u2019re an existing customer, you can open a new current account or upgrade through Internet banking.<\/p><p>Alternatively, you can open an account by phone or by booking an appointment at your nearest Lloyds Bank branch.<br>Customers can enjoy Club Lloyds rewards by opening one of the following accounts:<\/p><ul><li>Opening a Club Lloyds Account<\/li><li>Opening a Club Lloyds Silver Account<\/li><li>Opening a Club Lloyds Platinum Account<\/li><\/ul><h3>Who is it for?<\/h3><p>The Club Lloyds account suits anyone looking to gain a little extra from their everyday bank account. In return, you\u2019ll need to pay at least \u00a32,000 into your account each month or pay a fee of \u00a35 a month. To earn interest, you\u2019ll also need to pay out at least 2 different direct debits each month.<\/p><p>To be eligible to apply, you\u2019ll need to be at least 18 years old, a UK resident and either an EU national or have permission to stay in the UK for at least 12 months.<\/p><h3>What are the benefits?<\/h3><p>One of the biggest benefits of the Club Lloyds account is that you can earn interest on your in-credit balance at a competitive rate. On top of this, the account offers a host of rewards and cashback offers.<\/p><h3>What does the Lloyds app look like?<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds2-1.png\" alt=\"Lloyds app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds2-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds2-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds2-1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds2-1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds2-1.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds5.png\" alt=\"Lloyds app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds5.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds5.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds5.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds5.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds5.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds2.png\" alt=\"Lloyds app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds2.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds2.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds2.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds2.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Lloyds2.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><\/div><h3>Are Club Lloyds accounts safe?<\/h3><p>Yes, Lloyds Bank is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA). This means eligible deposits will be protected by the Financial Services Compensation Scheme (FSCS) up to \u00a3120,000 per person.<\/p>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                                                                        \n            <h3 id=\"awardspanel\">Lloyds Bank and Finder Awards<\/h3>\n        <div class=\"u-grid u-grid--alignTop has-margin-top has-margin-bottom\">\n            <div class=\"u-grid__col u-1\/4@s u-1\/5@l\" style=\"max-width: 200px;\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png\" alt=\"Finder Awards logo\" style=\"max-width: 100%; height: auto; display: block;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n            <div class=\"u-grid__col u-3\/4@s u-4\/5@l\">\n                                    <p>Our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\">Finder Awards<\/a> celebrate brands that truly stand out in their field. Lloyds Bank was named our 2026 Savings Customer Satisfaction Award winner!<\/p>\n                            <\/div>\n        <\/div>\n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">How does the Club Lloyds cashback feature work?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>To be eligible for Everyday Offers, you need to be over 18 and registered for Internet Banking. Once you've activated Everyday Offers, you simply activate each offer to earn cashback on your next purchase.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Is money in my Club Lloyds account protected by the Financial Services Compensation Scheme?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, eligible deposits with Lloyds Bank will be protected up to \u00a3120,000 per person under the FSCS.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Does Lloyds Bank have a mobile app?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you'll be able to manage your current account via the Lloyds mobile banking app. This allows you to change your address, view pending transactions, pay people, freeze a card if you misplace it, and log on securely using fingerprint or Face ID with a compatible device. It's available on both Apple and Android devices.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Discover what the Club Lloyds current account has to offer in our review.<\/p>\n","protected":false},"author":1047,"featured_media":250478,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Club Lloyds current account review","_yoast_wpseo_title":"Club Lloyds current account review: Is it worth it?","_yoast_wpseo_metadesc":"Learn more about the rewards and benefits on offer with the Club Lloyds current account to see if it\u2019s right for 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