Lloyds switch offer 6 January to 3 February 2026

flaneurs_lobster

Sherwood229 said:

This may be a stupid question but how do I actually do this an an existing customer with a normal current account? I cannot use the switch service if I am already with Lloyds so not sure how I do this?

Have you actually read the blurb on the Lloyds Bank website? 

Are you familiar with the switch bonus system and bank switching via CASS in general? If not read the general introduction on the main MSE website.

Sherwood229

flaneurs_lobster said:

Sherwood229 said:

This may be a stupid question but how do I actually do this an an existing customer with a normal current account? I cannot use the switch service if I am already with Lloyds so not sure how I do this?

Have you actually read the blurb on the Lloyds Bank website? 

Are you familiar with the switch bonus system and bank switching via CASS in general? If not read the general introduction on the main MSE website.

I have read the info from Lloyds. It states I can still do this but that it has to be "You must complete your switch using the Current Account Switch Service to switch a bank account held elsewhere". Does this mean I need a non Lloyds account to switch?

Sorry I cannot find the answer to this on the MSE site

flaneurs_lobster

Sherwood229 said:

flaneurs_lobster said:

Sherwood229 said:

This may be a stupid question but how do I actually do this an an existing customer with a normal current account? I cannot use the switch service if I am already with Lloyds so not sure how I do this?

Have you actually read the blurb on the Lloyds Bank website? 

Are you familiar with the switch bonus system and bank switching via CASS in general? If not read the general introduction on the main MSE website.

I have read the info from Lloyds. It states I can still do this but that it has to be "You must complete your switch using the Current Account Switch Service to switch a bank account held elsewhere". Does this mean I need a non Lloyds account to switch?

Sorry I cannot find the answer to this on the MSE site

Yes it does mean you need another account to switch.

Do you mean you can't find the MSE guide or that it doesn't answer your questions?

friolento

Sherwood229 said:

This may be a stupid question but how do I actually do this an an existing customer with a normal current account? I cannot use the switch service if I am already with Lloyds so not sure how I do this?

You leave your existing account completely out of it. In order to get the bonus, you must switch a non-Lloyds (/Halifax/BoS) account with at least 3 DDs to a qualifying new account at Lloyds. 

Do you have a suitable account that you can switch? If not, you could set one up but you are rapidly running out of time now for the current offer as it generally takes a week to 10 days for new DDs to register. 

If you are missing the deadline for the current offer due to a lack of an account to switch in, you might still want to set one up so you are ready to go for any new offers that will no doubt turn up at some stage.

Emily_Joy

Am I right in thinking assume one can actually upgrade to Lloyds Premier (I've received an invitation some time ago) and then request a switch to new Club Lloyds? This way you won't loose any benefits. 

FLAMPARD

My switch competed today so will let you know when I get I get the €€$$

clivep

Zanderman said:

PRAISETHESUN said:

etienneg said:

clivep said:

Downgraded my Club Lloyds a/c but opening a new one not shown as an option.

Then downgraded our joint Club Lloyds and the option to open a sole Club Lloyds appeared.

Opened and switch initiated for completion on 23rd.

All done on desktop (I don't use their app).

I wonder if this has something to do with the problem I'm seeing? My wife and I have a joint Club Lloyds account but no sole Club accounts (at present - in the past we have had them). We have sole accounts elsewhere that we want to switch to Lloyds for the switching bonus. Knowing that you can have a joint and a sole Club account at the same time, I have just tried opening a sole account for the switch, but the Club account is not listed as available. (I assume the same would be true for my wife.)

Do I need to downgrade the joint account to Classic before opening a sole Club account (for each of us individually)? If that is the case, could I then upgrade the joint account back to a joint Club account? In other words, to hold a joint and a sole Club account together, must the sole account be the one held first? Do downgrading and upgrading happen instantaneously, or is there a delay involved?

Any experience or knowledge in this area would be much appreciated.

My understanding from other posters is that although you are allowed by the T&Cs to hold 2x CL accounts - one sole and one joint - in practice Lloyds online banking won't let you open more than one, hence the suggestion to downgrade both to Classic and then open a new CL account. After you get paid the switch incentive, you can downgrade the new account to a Classic account and re-upgrade your existing account back to CL.

The downgrade happens pretty much instantly in my experience, although sometimes you need to log out and then back in to see the changes take effect.

This is not, in practice, the case if both of you have existing personal Club Lloyds accounts and are applying for new joint one. As I explained in my post a few days ago, Mrs Z-man and I did exactly that, by following the instructions on the app (both using the app, side by side on both our phones, at the same time). A second (but joint) Club Lloyds was offered with no problem that way round.

It would be interesting to find out whether people having the difficulty described of not opening a single when you already have a joint are finding this out when using the app or when using the website. 

Having downgraded our sole & joint Club Lloyds a/c and opening new sole ones., I thought I'd try to get a joint one back (for our Disney sub.).

As anticipated, it was not showing as an option to upgrade the recently downgraded one, so I tried to open a new joint one using the side by side method.

I remember having great difficulty doing this last time when we kept getting errors.

This time I have not been able to get past an error received when inputting the code from the other logged in a/c.

This was tried using online banking on PC/mobile not using the app.

Thought we'd try using the app. Mine OK but when my wife tried to log in to the app on her phone she got a message saying the phone was rooted so couldn't log in. Her phone's not rooted and this appears to be a problem that others have had with the app.

Can't think of a workaround at the moment.

friolento

Emily_Joy said:

Am I right in thinking assume one can actually upgrade to Lloyds Premier (I've received an invitation some time ago) and then request a switch to new Club Lloyds? This way you won't loose any benefits. 

You can upgrade or downgrade or sidegrade your existing CL as you like. Only you can tell whether the Premier is right for you - though wouldn’t it be the right choice regardless of the switch offer?

PRAISETHESUN

Emily_Joy said:

Am I right in thinking assume one can actually upgrade to Lloyds Premier (I've received an invitation some time ago) and then request a switch to new Club Lloyds? This way you won't loose any benefits. 

Lloyds treat Premier accounts as CL accounts in my experience, as I had to downgrade my Premier account in order to open a new CL account for this offer (similar to the other posts earlier who had to downgrade existing CL accounts to open new ones).

masonic

FWIW, Lloyds send a SMS when they receive your switch application (saying they will contact again with the next steps), another when your switch is started (with completion date, 7 working days later), and a final one when it completes (promising a letter confirming the details). The date of the middle message will be the one that is relevant for this offer IMHO.