![]() ![]() Some of the fees for this Lloyds Bank Basic Account include: Withdrawing cash other than at a Lloyds Bank Cashpoint machine or branch may incur a fee.No longer accepting customers with an IVA.However, there are now no charges (since 2017) should you accidentally go overdrawn, as far as I can make out. No overdrafts (planned or unplanned) are available.The account has no charges when run properly.No buffer zone of £10 any longer but since 2017, as far as I can see, there are no longer any charges should you accidentally go into the red because of a failed payment such as a direct debit, although the situation is not made clear regarding the basic account.Monthly online and optional paper statements.Balance enquiries are also available from Post Office branches. Withdraw up to £500 per day cash (subject to funds) from Lloyds Bank Cashpoint machines and £300 per day from Post Office branches free of charge.Deposit cash and cheques over the counter at any Lloyds Bank branch or UK Post Office free of charge.Internet and PhoneBank (their telephone banking service).Over 1000 branches in the UK plus free account access at Post Offices.A basic personal account for those resident in the UK or from EU countries outside the UK. ![]() What the Lloyds Bank Basic Account offers: You must apply for one of their other current accounts initially and if you don’t meet their criteria then you may be offered the basic account. You can’t apply for this account directly. It is for individuals who are 18 and over and proof of ID and address is required. It is designed for those who want a simple account or who may have a bad credit history and may not qualify for their Classic Account. Lloyds Bank (formerly Lloyds TSB Bank plc) (which is part of Lloyds Banking Group and includes HBOS (Halifax Bank of Scotland)) offers a basic personal UK bank account that provides a Visa debit card and most of the facilities available in their Classic current account. ![]()
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