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* How to open a bank account
HOW TO OPEN A BANK ACCOUNT
If you're looking to open a bank account, it’s easy to apply online, in branch
or by phone. We offer bank accounts for all types of needs - from simple
accounts for day-to-day spending to packaged bank accounts which offer a variety
of lifestyle and insurance benefits.
This guide provides you with details of the documents and information you may
need to open a bank account.
WHO IS THIS GUIDE FOR?
This guide will apply to new or existing customers who are opening a new current
account
IN THIS ARTICLE
* How to open a bank account
* What documents do you need to open a bank account in branch?
* How to open a bank account online
* How to switch bank accounts
* How to compare bank accounts
Please note: This guide is not part of the application process. It is a
checklist to help you prepare to open a bank account. While it contains the
essential information and documents that all banks will most likely ask, we may
ask for more information either for regulatory purposes or if you need other
products and services.
READY TO OPEN A BANK ACCOUNT?
Compare current accounts Compare current accounts
WHAT DOCUMENTS DO YOU NEED TO OPEN A BANK ACCOUNT IN BRANCH?
Make sure you come prepared so the process of opening a new account is easy and
fast as possible.
You need to be at least 18 years old to set up a bank account by yourself with
Lloyds. You'll also have to prove your identity in branch as part of the
verification checks.
WHY WE NEED THIS INFORMATION
We need personal information, to:
* Open the account accurately
* Correctly identify you and check your address so we can carry out credit and
other checks
* Make sure we meet tax and financial crime regulations
INFORMATION YOU NEED TO OPEN A BANK ACCOUNT IN BRANCH INCLUDE:
* Proof of identity - A current photo driving licence or UK passport
* Personal details - Name, date of birth, gender, marital status, nationality,
country of birth. You'll find most of this on a passport or driving licence
* Tax residence - Tax Identification Number (TIN) for any countries you are or
have been a tax resident in over the last two years
* Monthly income after tax - This is taken from your payslip
* Employment status - Occupation type, employer's name and start date and a
copy of your contract
IF YOU DON’T HAVE A UK PASSPORT OR DRIVING LICENCE:
If you don’t have a UK passport or driving licence, you’ll need to bring two
other documents - one as proof of identity, another as proof of address. These
can include:
PROOF OF IDENTITY
* EU/EEA passport, photo driving licence or identity card
* HMRC tax notification
PROOF OF ADDRESS
* Bank, building society or UK credit union statement
* Utility bill dated within the last six months
Find out the documents you’ll need for proof of identity when opening a bank
account.
HOW TO OPEN A BANK ACCOUNT ONLINE
You can apply for a bank account online in minutes with Lloyds by following
these steps:
1. Answer a few simple questions about how you intend to use the account. This
may include whether this will be your main account, or an account for
another purpose - like paying bills.
2. Fill in your personal details and information about your address (including
whether you rent or own your home)
3. Enter information about your employment and income - such as your salary,
savings and monthly outgoings.
4. Add your contact details and you’ll receive confirmation when your bank
account opens.
Open a current account Open a current account
HOW TO SWITCH BANK ACCOUNTS
You can switch to a Lloyds Bank current account using the current account
switching service. To do this you will need your:
* Current debit or account details.
* Income details.
* Proof of home address.
* Information of any existing overdrafts.
Everything will transfer over safely and securely in seven working days. Regular
payments, like Direct Debits for bills, with be moved over to your new account.
Account switching guide (PDF, 350KB)
HOW TO COMPARE BANK ACCOUNTS
Before opening a bank account, think about what you need from an account for to
help you decide. This can include overdrafts, interest rates or other benefits
or rewards.
There are lots of types of account to consider:
CURRENT ACCOUNT
Use a current account to manage daily payments, Direct Debits and standing
orders. Most of our current accounts include a contactless debit card. They are
also used with online banking and mobile apps to manage your money.
Learn more about current accounts
SAVINGS ACCOUNT
Savings accounts pay an interest rate on the money held in them. This type of
account is designed for saving up for the future or a big purchase.
Learn more about savings accounts
JOINT ACCOUNT
Two people can withdraw money, deposit money and budget together with a joint
account. It’s a convenient way to manage bills you’ll pay together, like
utilities, rent or mortgage payments.
Learn more about joint accounts
REWARD CURRENT ACCOUNT
A type of current account, a reward account offers extra features. This could be
a monthly bonus when a certain amount is paid in, cashback on Direct Debit bills
or insurance. Reward accounts will often have a monthly fee to maintain the
account.
Learn more about reward current accounts
FAQS
* ID AND VERIFICATION EXPANDABLE SECTION
We will need to carry out identification and verification checks on you, as
well as anyone else who will be authorised to operate your account.
In most cases you will only need to produce one of the following:
* a current UK photo driving licence
* passport from the United Kingdom
If you are an existing customer, you can use your existing bank card with
Chip & Pin to verify your identity.
If you cannot provide one of the items above, you will need to bring two
documents. You can find a full list of acceptable documents on our Proof of
identity webpage.
If you do not have any of the items listed here we may be able to accept
other items. Just ask a member of our branch staff or call us.
* PERSONAL DETAILS EXPANDABLE SECTION
Preferred Title
For example, Mr, Mrs, Ms, Mx
Name
As well as any previous names
Date Of Birth
Gender
Marital Status
Nationality
Including any dual nationalities and Immigration Status For NonUK Nationals
Country of Birth
Tax Residence
Which countries you are a tax resident in, or have been in the last two
years. A Tax Identification No (TIN) should be entered for each non UK tax
residency
* ADDRESS DETAILS EXPANDABLE SECTION
Current Home Address
Details of full current address inc Postcode
Where address is BFPO (British Forces Post Office)
Service Number, Rank, Unit, Regiment, Operation Name (if applicable) and BFPO
Number will be required
When did you move to your current address
If you have lived in your current address for less than 3 years, you will
also be asked to provide details of any previous addresses you've held during
this period
Residential Status
* CONTACT DETAILS EXPANDABLE SECTION
Main phone number
Including Other phone number
Email address
Marketing Preferences
Marketing opt in to specify marketing preference via (Email / SMS / Post /
Phone)
* INCOME & EXPENDITURE DETAILS EXPANDABLE SECTION
Your total monthly income (after tax)
Will your monthly income be paid into this account?
How will you fund the account?
e.g. Bank Transfer, Electronic payments, Cash or Cheques
How will you use the account?
e.g. Bank Transfer, Electronic payments, Cash or Cheques
Employment status
If Employed (Occupation type, name of employer, start date). If self employed
(Occupation type, company/ organisation name/ start date)
Your total amount of savings
* OVERDRAFT REQUESTS (OPTIONAL) EXPANDABLE SECTION
What Planned Overdraft limit would you like?
How many people who live with you depend on you financially?
Your monthly share of mortgage or rent payments
What do you spend each month on childcare, maintenance and education?
Are you aware of any upcoming changes in your circumstances?
* PACKAGED ACCOUNTS (ACCOUNTS WHERE YOU PAY A MONTHLY FEE AND RECEIVE INSURANCE
BENEFITS) EXPANDABLE SECTION
Do you already have travel insurance or another packaged bank account?
Do you need world wide travel insurance?
Are all account holders and family members below 80 years old and are all
children under 18 years of age?
Do you need mobile phone insurance?
Do you need AA breakdown cover?
* SWITCHING EXPANDABLE SECTION
Do you want to switch?
Is this a sole account switch?
Existing bank details
inc Sort code, Account Number, Name of Account Holder, 16 digit debit card
number and debit card expiry from old bank
Do you have an overdraft at your old bank? - If yes then do you want to
settle this?
Do you want SMS updates on your switch?
What is your switch date?
RELATED PAGES
Under 19s account
How to open a joint bank account
Student account
MORE FROM LLOYDS
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Mobile Payments
PRODUCTS AND SERVICES EXPANDABLE SECTION PRODUCTS AND SERVICES
* Current accounts
* Credit cards
* Loans
* Car finance
* Mortgages
* Savings
* ISAs
* Investing
* Pensions
* Wealth management
* Home insurance
* Life insurance
* Car insurance
HELP AND SECURITY EXPANDABLE SECTION HELP AND SECURITY
* Banking online
* Mobile Banking app
* Service status
* Fraud and security
* Money management
* Life events
* Help and support
* Banking near you
* Virtual assistant
* Call us
* Find a branch
* SignVideo & Signly
* Accessibility & disability
* Feedback & complaints
LEGAL EXPANDABLE SECTION LEGAL
* Legal information
* Terms and conditions
* Privacy
* Cookies
* Sitemap
* Modern Slavery Statement (PDF, 2462 KB)
* Financial Services Compensation Scheme
ABOUT US EXPANDABLE SECTION ABOUT US
* About Lloyds
* Diversity & Inclusion
* Lloyds Banking Group
* Careers
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Lloyds and Lloyds Bank are trading names of Lloyds Bank plc. Registered office:
25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.
Lloyds Bank plc is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation
Authority under registration number 119278.
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