Lloyds Bank · Current account

Premier Account

No annual fee

Health-and-rewards Premier account: Bupa family digital GP, 1% debit cashback, credit interest and an annual lifestyle benefit. Lloyds values it at up to £883/year.

Apply via official site

Perks & estimated value

Health & wellbeing (digital GP)
Bupa Digital Family GP & Wellbeing
Lloyds valuation £50/month
£600/yr
Cashback, rewards & interest
1% debit card cashback
Capped £10/month
£120/yr
Cashback, rewards & interest
Credit interest on balances to £5,000
Requires two Direct Debits monthly
£90/yr
Dining & lifestyle credit
Annual lifestyle benefit
Disney+, cinema tickets, Coffee Club/Gourmet Society or magazine
£73/yr

Key terms

£15 monthly fee refunded when eligible. Cashback capped at £10/month. Interest only on balances up to £5,000 with two Direct Debits. Values are Lloyds' April 2026 estimates.

Fee breakdown

Annual fee: Free — £0
Monthly equivalent: £0.00
Representative APR: n/a
FX fee: 2.99%
Total perk value: £883
Net annual value (all perks): £883

Offer & eligibility

Welcome bonus: £200 when switching to a new qualifying Lloyds Premier account.

Current offer: Open a new qualifying account 17 September–9 December 2026 and start full CASS by 9 December 2026. Transfer at least 3 already-active Direct Debits and close old account. No switches from Halifax/Bank of Scotland, account upgrades or prior Lloyds/Halifax/Bank of Scotland switching reward since 1 January 2023 (either joint holder). Paid within 14 working days of switch starting. Premier eligibility: £5,000/month pay-in or £100,000 qualifying savings/investments. Offer may be withdrawn. Terms: https://www.lloydsbank.com/current-accounts/switch.html . Checked 18 October 2026.

Eligibility: Pay in £5,000/month or hold £100,000 in Lloyds savings/investments