Protection
FSCS£120,000
Min balance
£1
Max balance
No limit
Access
Instant
Interest paid
Monthly
Lloyds Bank is also paying £200 to switch your current account. Offer ends 9 December 2026.
Rate Tiers
2 or fewer withdrawals
3.00%AER
Applies for the full 12-month account year
3 or more withdrawals
0.65%AER
Applies from the month the 3rd withdrawal is made
How It Stacks Up
Ranks 78th of 152
Easy access accounts we track
This account 3.00%
- UK CPI (Aug 2026)
- 3.10%
- Pays 0.10% less
- Average easy access
- 2.83%
- Pays 0.17% more
- Best easy access
- 5.00%
- Pays 2.00% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A better-paying alternative
Tembo
HomeSaver
4.55%
AER
- Pays 1.55% more than this Lloyds Bank account
- Instant access, open with £10
We may earn a commission if you open this account.
A Good Fit For
- Pro: New and existing savers
- Pro: Savers who want instant access
- Pro: Savers who want a monthly income
Worth Weighing Up
- Con: The rate is variable, so it can go down
Please verify all details with the provider – see our Disclaimer
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