Lloyds switch offer 6 January to 3 February 2026

flaneurs_lobster

masonic said:

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.

Those SMS notifications might be standard across CASS switches, got the same details about a switch I've just started at TSB.

julie777

Our problem now  is that we each have a Lloyds app on our phones but they both say Hi Julie. Therefore when applying for a new SOLE club lloyds  account it seems to make the assumption it is for Julie but we want one for James. Where do we go from there?

julie777

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 would need a current account with another bank which has 3 active DDs if you are wanting the free £250 cash. A switch means from another bank. But it is handled from the Lloyds end. Is that what you wanted to know?

masonic

flaneurs_lobster said:

masonic said:

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.

Those SMS notifications might be standard across CASS switches, got the same details about a switch I've just started at TSB.

Or could be LBG and alumni. I got different notifications for switches into Nationwide / Santander.

Emily_Joy

PRAISETHESUN said:

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).

That would be strange - there is no mention of Club Lloyds Regular Saver for Lloyds Premier account holders. We will see, I suppose... 

Emily_Joy

friolento said:

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?

Not really - I have access to health services similar to their BUPA offering as employee benefits. I suppose it might useful to have a second GP opinion, but I am not sure how I would benefit from it otherwise. 

friolento

Emily_Joy said:

friolento said:

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?

Not really - I have access to health services similar to their BUPA offering as employee benefits. I suppose it might useful to have a second GP opinion, but I am not sure how I would benefit from it otherwise. 

What would be your reason for upgrading to an account that costs £15 a month but doesn't give you benefits? Your decision, no need to explain, but I am curious.....

Emily_Joy

friolento said:

Emily_Joy said:

friolento said:

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?

Not really - I have access to health services similar to their BUPA offering as employee benefits. I suppose it might useful to have a second GP opinion, but I am not sure how I would benefit from it otherwise. 

What would be your reason for upgrading to an account that costs £15 a month but doesn't give you benefits? Your decision, no need to explain, but I am curious.....

It doesn't cost me anything as I am paying in 5K anyway (salary + a sequence of maturing RS); it allows me to keep Gourmet Society and Coffee Club memberships (I save quite a bit on Caffe Nero, my default go-to coffee place and I am hoping this will let me to open a new Club Lloyds for switching.  I don't like the idea of downgrading and opening a new account on LBG as I would rather avoid being banned. 

friolento

Emily_Joy said:

friolento said:

Emily_Joy said:

friolento said:

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?

Not really - I have access to health services similar to their BUPA offering as employee benefits. I suppose it might useful to have a second GP opinion, but I am not sure how I would benefit from it otherwise. 

What would be your reason for upgrading to an account that costs £15 a month but doesn't give you benefits? Your decision, no need to explain, but I am curious.....

It doesn't cost me anything as I am paying in 5K anyway (salary + a sequence of maturing RS); it allows me to keep Gourmet Society and Coffee Club memberships (I save quite a bit on Caffe Nero, my default go-to coffee place and I am hoping this will let me to open a new Club Lloyds for switching.  I don't like the idea of downgrading and opening a new account on LBG as I would rather avoid being banned. 

OK, that makes sense if it doesn't cost you anything - - -  but why have you not upgraded to Premier already? 

Why do you expect you would get banned for up/downgrading accounts? 

Emily_Joy

friolento said:

Emily_Joy said:

friolento said:

Emily_Joy said:

friolento said:

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?

Not really - I have access to health services similar to their BUPA offering as employee benefits. I suppose it might useful to have a second GP opinion, but I am not sure how I would benefit from it otherwise. 

What would be your reason for upgrading to an account that costs £15 a month but doesn't give you benefits? Your decision, no need to explain, but I am curious.....

It doesn't cost me anything as I am paying in 5K anyway (salary + a sequence of maturing RS); it allows me to keep Gourmet Society and Coffee Club memberships (I save quite a bit on Caffe Nero, my default go-to coffee place and I am hoping this will let me to open a new Club Lloyds for switching.  I don't like the idea of downgrading and opening a new account on LBG as I would rather avoid being banned. 

OK, that makes sense if it doesn't cost you anything - - -  but why have you not upgraded to Premier already? Why do you expect you would get banned for up/downgrading accounts? 

I have not upgraded to Premier already because there was no reason for me to do so. 

I am not expecting to be banned, but there is a history of LBG bans on this forum and LBG group I do care about, as opposite to, say, Metro or Chase ban, that I would just find irritating.