{"id":574356,"date":"2026-03-09T13:58:31","date_gmt":"2026-03-09T13:58:31","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=574356"},"modified":"2026-03-09T14:05:38","modified_gmt":"2026-03-09T14:05:38","slug":"lloyds-silver-account","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/lloyds-silver-account","title":{"rendered":"Lloyds Silver account: Is it worth it?"},"content":{"rendered":"<h3>What is the Lloyds Silver account? <\/h3><p>Lloyds Silver is a packaged bank account that offers a variety of benefits in return for a monthly fee. It\u2019s a step down from the Lloyds Platinum account and compared to some of its competitors, Lloyds Silver\u2019s fee of \u00a311.50 a month is pretty reasonable. <\/p><p>There\u2019s also the option to add Club Lloyds benefits to the account for an extra \u00a35 a month &#8211; this is then refunded each month you pay in \u00a32,000 or more.<\/p><h3>How does it work?<\/h3><p>If you apply for the Lloyds Silver account, you\u2019ll be able to enjoy the following key features: <\/p><h4>European family travel insurance<\/h4><p>European and UK multi-trip travel insurance for you and your family. Includes cover for winter sports. <\/p><h4>AA breakdown family cover<\/h4><p>Roadside assistance across the UK, Channel Islands and Isle of Man. This covers the account holder and all eligible family members, not the vehicle. Note that this doesn\u2019t include at home cover.<\/p><h4>Mobile phone insurance<\/h4><p>This insures one phone for sole accounts and 2 for joint accounts against loss, theft, damage and breakdown. Includes repair or replacement cover up to a maximum of \u00a32,000.<\/p><h4>No fees overseas<\/h4><p>You won\u2019t pay any fees overseas when you use your card to pay for items or withdraw cash. <\/p><h4>Cashback<\/h4><p>Earn up to 15% cashback when you spend on your card at selected retailers. <\/p><h4>Save the change feature<\/h4><p>When you spend on your card, Lloyds will round up your spending to the nearest pound and transfer the extra into a savings account.<\/p><h4>Preferential travel money rates<br \/>Enjoy preferential exchange rates when ordering travel money.<\/p><p>Paying for Club Lloyds on top gives you access to the following benefits: <\/p><h4>Lifestyle Benefit<\/h4><p>Each year, choose from 12 months of Disney+, 6 cinema tickets, an annual digital Coffee Club and Gourmet Society membership or an annual magazine subscription. <\/p><h4>Savings and mortgage offers<\/h4><p>Benefit from preferential savings rates and mortgage offers with Lloyds. <\/p><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\">Does the account include gadget insurance?<\/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><p>No, Lloyds Silver doesn\u2019t include gadget insurance, only mobile phone cover. However, you can choose to pay \u00a35 a month to get gadget insurance from Assurant and cover multiple household devices.<\/p><\/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\">Which retailers offer cashback?<\/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><p>Some of the retailers that pay cashback when you spend with your Lloyds Silver debit card include Subway, Sainsbury\u2019s, Boots and Tui. Cashback amounts vary.<\/p><\/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\">What is the benefit of Club Lloyds?<\/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><p>Club Lloyds offers customers extra perks such as interest paid on balances, lifestyle benefits and preferential rates. However, you'll need to pay an additional \u00a35 a month \u2013 or pay in \u00a32,000 or more to your account each month to have the fee refunded.<\/p><\/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 the benefits of opening a Lloyds Silver current account. <\/p>\n","protected":false},"author":1047,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":[],"blockTemplateId":"","_post_hreflang":"","related_url":"\/lloyds-silver-account","footnotes":""},"categories":[3763],"tags":[],"asset_tag":[],"class_list":["post-574356","post","type-post","status-publish","format-standard","hentry","category-current-accounts"],"apple_news_notices":[],"yoast_head":"<!-- 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However, you can choose to pay \u00a35 a month to get gadget insurance from Assurant and cover multiple household devices.\r\r"}},{"@type":"Question","name":"Which retailers offer cashback?","acceptedAnswer":{"@type":"Answer","text":"\r\rSome of the retailers that pay cashback when you spend with your Lloyds Silver debit card include Subway, Sainsbury\u2019s, Boots and Tui. Cashback amounts vary.\r\r"}},{"@type":"Question","name":"What is the benefit of Club Lloyds?","acceptedAnswer":{"@type":"Answer","text":"\r\rClub Lloyds offers customers extra perks such as interest paid on balances, lifestyle benefits and preferential rates. 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