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Lloyds Bank: Club Lloyds Current Account reviews

Name: Club Lloyds Current Account
Rating: 4.45 (630 reviews)

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4.44

Based on 630 reviews, last reviewed 22nd Feb 2026

3900% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

70%

17%

Latest highest rating:

4

Good benefits I got cashback for switching and good savings rate as well as cashback offers and free Disney + Reviewed on: 22nd February 2026

Latest lowest rating:

1

Would not recommend Lloyds, their processes are very... Would not recommend Lloyds, their processes are very old fashioned and difficult. Proved incredibly difficult to open a joint club Lloyds account and ... Read more Reviewed on: 4th February 2026

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About this product

The Club Lloyds Current Account charges a low monthly fee which is waived when you deposit a set amount each month.

With the Club Lloyds Account, each year, you can choose a lifestyle benefit. Other benefits include exclusive savings and mortgage offers as well as cashback at selected retailers.

Club Lloyds reviews help you find out what it’s really like to be a customer. If you’ve used Lloyds before, you can also leave a review and share your experience.

Lloyds Bank Club Lloyds Current Account reviews (630)

Review of the Lloyds Bank, Club Lloyds Current Account:

Great account with good rewards

A great account which is easy to manage via a great little app. Good reward programme with instant sign up/ transfer rewards along with everyday rewards. Usual benefits including contactless debit cards, overdraft and upgrade options. Friendly branch and phone teams too. The only thing they are lacking is the emergency cash option which is offered by some competitors Reviewed on: 6th November 2018

Best interest rate on £5k

I have had a Club Lloyds account for around 6 months now. I was attracted to the account because it offers 4% interest on balances between £4,000 and £5,000. It's been a great day to day account and I receive around £14.00 interest per month from keeping it topped up with a balance of £5,000. I also received a pack of free cinema tickets for vue cinemas as an annual 'reward' for holding the account. I haven't had any issues that have required me to deal with Lloyds customer service team, but opening the account was very straightforward. My only negative would be that you don't receive any interest at all on balances over £5,000 and the interest rate drops below £4,000 so you need to keep a close eye on the balance! Reviewed on: 26th August 2015

The full package

Club Lloyds is a fantastic pick for anyone who's looking to get a little extra from their current account. Offering 4% AER , you can also choose a perk such as a magazine subscription, cinema tickets or a Gourmet Club membership. Reviewed on: 21st August 2015

good service and rewards, decent interest, a customer service

You get up to 4% AER and also they gave me 6 VUE cinema tickets. Only need to pay £1500 a month. You also get £100 overdraft which is decent, just in case. I think you can't go wrong with this account. Reviewed on: 15th August 2015

Top rate of interest

A great account, offering 4% on £5K. Easy to avoid £5 monthly fee (by having £1500 paid into account per month from non-Lloyds sources - we transfer money between Lloyds and Santander to do this). Lloyds quite happy to add wife's name to account (as she is a non-income taxpayer), so half of interest paid gross (so we get 3.6% overall net - easily beats ISAs!!!) Reviewed on: 14th August 2015

Upgraded to Club Lloyds recently. Was easy to do online and also offer a great interest rate if you are in credit.

I upgraded my account recently and it was so easy to do. My Club Lloyds account also gives a free subscription to a magazine of my choice. I like Lloyds Online Banking because all transactions are just a 'click' away. Reviewed on: 10th August 2015

I upgraded my Lloyds Current account to Club Lloyds recently. It was very easy to upgrade and I am getting a good rate of interest.

I decided to upgrade my account because of the good rate of interest. The process of upgrading was so easy and my account runs like a dream. I like being able to do everything online and not having to go into a branch. As an added bonus I also get a free 12 months' subscription to a magazine of my choice. Reviewed on: 10th August 2015

Great Internet Banking

I changed to Lloyds from Santander a number of years ago and I have to admit that they're brill. Charges are minimal and easily explained. I get a text if I ever go overdrawn unexpectedly and have until 3pm to rectify it. The internet banking is great - so accessible and easy to use. I wouldn't bank anywhere else. Reviewed on: 6th August 2015

Ups and downs

I've found the service levels at Lloyds bank to be pretty variable. In fairness, they seem to have more good days than bad days, but after this long with them i still haven't figured out the best times to call them - sometimes they're really busy mid afternoon, other times super quiet! Reviewed on: 26th June 2015

High interest on balances and many extra benefits

I switched to Lloyds Bank Club Lloyds Current Account almost a year ago and I must say it was a right thing to. Not only do they pay interest on my current account (for the balances up to GBP5000) but they also offer special cashback offers from time to time, not to mention Club benefits such as magazine subscription or cinema tickets. The only bad point is the time it takes for them to consider you eligible for one of the credit cards. I've been declined once already and I never go in overdraft and have a fair credit score. Reviewed on: 7th May 2015

Very good value bank account

I recently switched to the Lloyds Club Account and am very impressed with it. The account rewards you for having more money in your current account earning an impressive 4% gross interest on £5k which is very difficult to achieve on many savings accounts let alone a current account. Additional features include a lifestyle benefit each year, either cinema tickets, magazine subscription or Gourmet Society membership. I also like the ability to 'save the change', Lloyds rounds up money spent from the account to the nearest £ and puts it in a separate savings account. Great idea! My only issue with the account is that I believe the lifestyle benefits are a bit limited and more choice could be offered, especially as not everybody lives within easy access to cinemas and restaurants. Reviewed on: 20th April 2015

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