Monthly Saver

Regular saver · Checked by hand 2 November 2026

5.00%

AER

Above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

You'd earn about £1,000.00 in 1 year, before any tax.

Worked out from the AER. Variable rates can change.

The conditions in plain English

Access: Unlimited withdrawals with no charge; online transfers only to another Lloyds account.
Minimum: £25
Pay in: Up to £250 a month
Interest paid: When the term ends
Manage by: Online, Mobile app, Branch, Phone
Who can apply: Must hold a Lloyds current account that is not Club Lloyds or Premier (new customers can open one first). UK resident aged 16+. Not opened a Monthly Saver or Club Lloyds Monthly Saver in the last 12 months. Minimum £25 a month.
Where we read it: Lloyds Bank's own page, 2 November 2026. We read this rate from the bank's own page by hand and recheck it at least weekly

Full details

Juno hasn't read a Summary Box for this account yet. Lloyds Bank's own page has the full terms and conditions.

Who holds your money

Deposit-taker: Lloyds Bank, a trading name of Lloyds Bank plc
Incorporated in: United Kingdom
Regulated: Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 119278)
Protection and disputes: Financial Services Compensation Scheme and Financial Ombudsman Service
Capital: Paid-up capital and reserves of £41,980m at 31 December 2025 (annual report 2025)

Complaints and reviews

Complaints to the bank: Complaints the bank itself reported to the FCA about banking and credit cards, for Lloyds Bank PLC.115,687 complaints opened (3.16 for every 1,000 accounts); the bank upheld 66.4% of the complaints it closed. January to June 2026 (source)

These figures cover the whole firm behind Lloyds Bank, including current accounts, cards and loans, not just savings. Bigger firms have more customers and so more complaints. Periods differ between sources and are months old when published. They never change our rate order. FCA-format figures contain public sector information licensed under the Open Government Licence v3.0.

FSCS protection

Up to £120,000 per person is protected across everything you hold with Lloyds Bank plc.

Shared licence: MBNA also uses this licence, so money there counts towards the same £120,000.

Check your total protection