Lloyds switch offer 6 January to 3 February 2026

soulsaver

clivep said:

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.

Have you tried uninstalling the app and reinstalling it? Not difficult with Lloyds IME...

julie777

soulsaver said:

julie777 said:

Although our 2 accounts are both downgraded to classic, my husband still can't select Club Lloyds in order to open a new account and make the switch. Time to give up? Are the phone services any good? cos the webchat is useless. Even when you get to a human assistant they don't seem to understand the question, no matter how I put it!

Hi Julie - did you try the app?

yes set up app on husbands phone but it opens with hello Julie! all very weird. Have therefore deleted that one. If we go to set up the app again its showing a cloud symbol which I guess means it has saved the one we just deleted. any insights appreciated. Thank you. 

flaneurs_lobster

julie777 said:

soulsaver said:

julie777 said:

Although our 2 accounts are both downgraded to classic, my husband still can't select Club Lloyds in order to open a new account and make the switch. Time to give up? Are the phone services any good? cos the webchat is useless. Even when you get to a human assistant they don't seem to understand the question, no matter how I put it!

Hi Julie - did you try the app?

yes set up app on husbands phone but it opens with hello Julie! all very weird. Have therefore deleted that one. If we go to set up the app again its showing a cloud symbol which I guess means it has saved the one we just deleted. any insights appreciated. Thank you. 

TBC, each of you needs their own online account, with their own User Id, Password, Memorable Information & mobile number, then you can add access via the app, again each with your own details.

grumpy_codger

Asghar said:

...

I take it to mean the switch has to have started by that date, otherwise they would have stated request your switch by the given date.

You request a switch and chose the time, not start a request. Then the bank starts it at the chosen time. 
Not that it makes the T&C any clearer.
ETA: I misread the quoted post.

masonic

grumpy_codger said:

Asghar said:

...

I take it to mean the switch has to have started by that date, otherwise they would have stated request your switch by the given date.

You request a switch and chose the time, not start a request. Then the bank starts it at the chosen time. 
Not that it makes the T&C any clearer.

The bank starts the switch 7 working days ahead of the chosen time. What you choose is the switch date, the date on which the process is completed.

julie777

flaneurs_lobster said:

julie777 said:

soulsaver said:

julie777 said:

Although our 2 accounts are both downgraded to classic, my husband still can't select Club Lloyds in order to open a new account and make the switch. Time to give up? Are the phone services any good? cos the webchat is useless. Even when you get to a human assistant they don't seem to understand the question, no matter how I put it!

Hi Julie - did you try the app?

yes set up app on husbands phone but it opens with hello Julie! all very weird. Have therefore deleted that one. If we go to set up the app again its showing a cloud symbol which I guess means it has saved the one we just deleted. any insights appreciated. Thank you. 

TBC, each of you needs their own online account, with their own User Id, Password, Memorable Information & mobile number, then you can add access via the app, again each with your own details.

I didn't know that at first so he tried to set up app without his own online account. He got sorted on line but still not allowed to open his own new sole account as a Club Lloyds. Even trying the switch it asks what type of account but doesn't allow him to select Club Lloyds. And his app is addressing me even though different login details. The only thing we have the same is memorable information.

julie777

Re above, we deleted that app but it seems to not be fully deleted.

PRAISETHESUN

I'm curious to know for anyone who has completed their switch already, have you received the £250 yet? I only ask as historically Lloyds have been very quick to pay out switch incentives in the past (often before the switch has even completed) but I note that they say this time around that they will pay out within 40 working days - a substantial change.

flaneurs_lobster

julie777 said:

Re above, we deleted that app but it seems to not be fully deleted.

Not how apps work (at least on Android), if an app is deleted it takes everything with it. Didn't understand your earlier reference to a "cloud" symbol - is this in the new instance of the app once you've installed it but before you've entered any personal details?

Regardless of the app, as you say, you (or rather your husband) is unable to open a new sole Club current account?

Would you mind just listing what accounts you each have open already?

FLAMPARD

PRAISETHESUN said:

I'm curious to know for anyone who has completed their switch already, have you received the £250 yet? I only ask as historically Lloyds have been very quick to pay out switch incentives in the past (often before the switch has even completed) but I note that they say this time around that they will pay out within 40 working days - a substantial change.

Yes completed Thursday not received payment as yet