Lloyds switch offer 6 January to 3 February 2026

Emily_Joy

Emily_Joy said:

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... 

Update: I was wrong. Premier is a Club Lloyds account, indeed. If you have Premier, you cannot open any club account. Oh well, will get some accounts ready for switching and wait for next one. 

clivep

Zanderman said:

clivep said:

soulsaver said:

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...

Tried this but same error preventing login.

Attempted again using 2 devices, phone (using browser or app) and PC. Whenever the code from the 1st device is entered on the 2nd an error comes up straight away.This happens regardless of which one I use to generate the code. I ran into this problem setting up the joint Club Lloyds a/c last year but got it to work after a few tries but no luck this time.

They're quick to cancel the Club Lloyds lifestyle benefit... we lost access to Disney the day after the downgrade.

My original post about this (not my reference to it quoted above) mentioned that we did find the new joint account procedure failed if, after asking for a code, the non-lead account clicked on the 'back to my accounts' button, which - misleadingly - opens up temptingly at that stage of the proceedings. We were both using the app, on different phones, at the time to access the two lloyds logins. It may of course differ if one account is being accessed via the website. See https://forums.moneysavingexpert.com/discussion/comment/81831897#Comment_81831897

Thanks for that.

This is how I've been trying...

Both click on 'Get Started'.

1st selects 'Start' and gets the 9-digit application code.

2nd one then selects 'Enter 9-digit application code', keys in the code and DOB of 1st then selects 'Continue'. This then gives the error 'It looks like something's gone wrong'

The error comes up regardless of which way around this is done, and if chrome or app is used on the phone. It recognises the applications code as you don't get to the 'Continue' option if wrong data is entered.

I didn't use the app last year when opening the joint account but maybe it now only works with both using the app.

sparkiemalarkie

I am switching my NationWide flexdirect account to LLoyds.
I can see that my recently set up direct debits are listed on my nationwide account.
Am I good to go or do I have to wait for a payment to go through before I switch?

tia

sx

julie777

masonic said:

flaneurs_lobster said:

masonic said:

julie777 said:

flaneurs_lobster said:

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?

My husband's phone is an iphone. After deleting the app, we went back to appstore and the Lloyds app has a cloud next to it! Tried installing that but it still thinks he is Julie! Deleted again and it has had the cloud symbol for several days. The accounts are one joint account classic and one classic in my sole name. And yes, nothing seems to work as it should. Think he will have to phone them which is very annoying and who knows if they can help or not! Thanks for your input.

Hmm, perhaps not the most helpful of features to back up the settings in situations like this. One thing you can normally do is go into the settings on your phone for the app and clear stored data, which should reset it to the state when it is first installed (I think iOS has this, Android user here).

Is that what the cloud symbol means in the Apple appstore? How can you go to the settings for an app that you've deleted? Or is that another clever Apple feature that I'm glad I'll never have to suffer?

I'm only speculating that this is cloud backup. Previous settings are being pulled from somewhere when it is reinstalled. I don't use Apple devices, but if I am right, one would need to reinstall the app (at which point the saved settings would be synched), and then clear stored data, which should get you to a fresh installation.

Turned out I didn't need to delete that data in setting. I think it just took a while to close properly. Today it came up hello James and allowed him to open a Club Lloyds and switch bank.!!! Thanks for your support guys.

julie777

flaneurs_lobster said:

masonic said:

julie777 said:

flaneurs_lobster said:

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?

My husband's phone is an iphone. After deleting the app, we went back to appstore and the Lloyds app has a cloud next to it! Tried installing that but it still thinks he is Julie! Deleted again and it has had the cloud symbol for several days. The accounts are one joint account classic and one classic in my sole name. And yes, nothing seems to work as it should. Think he will have to phone them which is very annoying and who knows if they can help or not! Thanks for your input.

Hmm, perhaps not the most helpful of features to back up the settings in situations like this. One thing you can normally do is go into the settings on your phone for the app and clear stored data, which should reset it to the state when it is first installed (I think iOS has this, Android user here).

Is that what the cloud symbol means in the Apple appstore? How can you go to the settings for an app that you've deleted? Or is that another clever Apple feature that I'm glad I'll never have to suffer?

All has worked out today without needing to delete anything, I believe it just took the app a while to catch up with his correct details. Thanks to flaneurs lobster.

flaneurs_lobster

sparkiemalarkie said:

I am switching my NationWide flexdirect account to LLoyds.
I can see that my recently set up direct debits are listed on my nationwide account.
Am I good to go or do I have to wait for a payment to go through before I switch?

tia

sx

The terms of the switch bonus say that you must switch 3 "active direct debits"

Lloyds define active direct debits thus

What is an Active direct debit

An active direct debit is one that has been paid to the originator in the last 13 months.  This can be any frequency of payment: weekly, monthly, quarterly or annual. If the direct debit has been recently set up and the first payment has not been taken this is not an active direct debit.

I have set up three DDs and waited until they paid out and then started the switch.

Others have different views as to whether this is necessary.

sparkiemalarkie

flaneurs_lobster said:

sparkiemalarkie said:

I am switching my NationWide flexdirect account to LLoyds.
I can see that my recently set up direct debits are listed on my nationwide account.
Am I good to go or do I have to wait for a payment to go through before I switch?

tia

sx

The terms of the switch bonus say that you must switch 3 "active direct debits"

Lloyds define active direct debits thus

What is an Active direct debit

An active direct debit is one that has been paid to the originator in the last 13 months.  This can be any frequency of payment: weekly, monthly, quarterly or annual. If the direct debit has been recently set up and the first payment has not been taken this is not an active direct debit.

I have set up three DDs and waited until they paid out and then started the switch.

Others have different views as to whether this is necessary.

Ah, thanks...I will hang on for a bit then -- hopefully they will be taken soon

lagib

I had been trying to open a joint Lloyds Club current account for 3 days and found insurmountable obstacles in profusion all the way, too numerous to list even if I could remember them all. Eventually, I had to open an acct solely in my name and then be advised to travel to Corby Lloyds bank to get it converted to joint as my local Kettering branch had been closed. This I did today with my wife in tow, only to be refused as my wife did not carry any acceptable identity (bus pass not accepted). She had her driving licence on her mobile but mobile evidence was not acceptable and so the vexed and exhausting process of applying once again came to a halt. Why Lloyds have to make the process of applying for joint accounts so arduous is beyond me and I will now either have to continue with the account only in my name or more likely cancel it and seek an account with another provider that is more friendly to new customers. I am one angry and frustrated person.

DesignSeptal

Just to make sure I'm doing the right thing. I currently have a Club Lloyds current account (with associated Club Lloyds Monthly Saver). I can just downgrade this to a regular classic account and then open a new Club Lloyds current account (same type of account I had before) and initiate the switch to that one and that would be okay? I just wasn't confident if it had to be a different kind of CL account (Silver or Platinum) if I'd already had one.

clivep

DesignSeptal said:

Just to make sure I'm doing the right thing. I currently have a Club Lloyds current account (with associated Club Lloyds Monthly Saver). I can just downgrade this to a regular classic account and then open a new Club Lloyds current account (same type of account I had before) and initiate the switch to that one and that would be okay? I just wasn't confident if it had to be a different kind of CL account (Silver or Platinum) if I'd already had one.

That's the way to do it as long as you don't have a joint Club Lloyds current a/c. Any outstanding lifestyle benefit will be cancelled and you'll be able to select a new one.