Lloyds Bank Deals

Lloyds Bank Deals & Discounts

15 hot deals
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Personal Finance
£20 cashback Lloyds 33 months blance transfer 0% apr 0.58% fee
This Lloyds* credit card offers up to 33 months 0% and comes with £20 cashback if you transfer at least £100 within 90 days. As this card is an 'up to' you could be offered only 18 months at 0% if… Read more
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I had the same with the above link, tried the MSE link and it worked..

Seem there is a problem with the web site. Each time ive tried, it reverts back to home screen at Llloyds Bank.

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Personal Finance
6x Free Cinema tickets with bank account at Lloyds Bank
Lloyds Bank account (club Lloyds) gives you choice of 6x free cinema tickets or can opt for annual magazine subscription or annual Gourmet Society membership.. per year need to pay in min £1500 per … Read more
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Original Poster

For most accounts you need to have at least 2x active direct debits to qualify for their promotion. With Lloyds you don't need any.

Example: have wages paid into Lloyds account, then set up standing order to pay money into another bank account such as TSB, where you can qualify for their promotion or make use of Lloyds regular saver account

most accounts cap the amount interest is paid on , so best option is to spread money out across accounts

janner43

To get the interest which is 2% (NOT 3%)..."You will still need to pay at … To get the interest which is 2% (NOT 3%)..."You will still need to pay at least two different Direct Debits from your Club Lloyds current account each calendar month, and no credit interest is payable on the amount of any balance over £5,000."


Thanks, I had forgotten they had cut to 2%

To get the interest which is 2% (NOT 3%)...
"You will still need to pay at least two different Direct Debits from your Club Lloyds current account each calendar month, and no credit interest is payable on the amount of any balance over £5,000."

tsb gives £130 (_;)

Also get 3% interest on 5k. DW and I have one each for savings and 12 cinema tix
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Personal Finance
0% for 40 Months Balance Transfer Credit Card - Lloyds Bank
Longest balance transfer at the moment at 0% and a low 1.69% transfer fee
Latest commentsPost comment

manicmidlander

and what is the "low" balance transfer fee? I'm a seasoned stoozer so … and what is the "low" balance transfer fee? I'm a seasoned stoozer so only use 0 fee and 0% cards.



As a seasoned stoozer, do you know of a way to get balance transfers into a mortgage account. There used to be the egg card that allowed positive balances but since that closed there doesn't seem anything similar. Cheers

akajay07

I gave 8 examples 3 posts before yours... Admittedly they're not quite 3 … I gave 8 examples 3 posts before yours... Admittedly they're not quite 3 years, but there very much IS something like that.


I do not dispute that there are 0% BT - 0% fee cards, but the 3yrs and the concept of free money, its simply not what it sounds like.
I say so, because I know for a fact that those headline quotes are to LURE customers, then offer them something different, which they will not have paid-off by the time the MUCH shortened interest-free period is over, they role back to EXORBITANT rates like > 19%APR, which effectively cost you more than the carrot that you had been offered initially.

i) 95% of people who apply WILL NOT GET the advertised deal (esp the interest free period, like the 28months) they get offered something like 9 months or less.
ii) Majority get offered a very small limit (like £1000) which is not very useful.
iii) Majority of people who REALLY need these cards DO NOT BENEFIT at the end of it all, but the rich who can afford to (a) have awesome credit rating (b) pay off lump-sums in one go, after a few months and (c) probably don't need all these deals tbh, are the ones that usually benefit from all this




Edited by: "fulous" 26th May

FEEDBACK TO ALL:

Further to my previous posts, MSE showed that their was a higher likelihood of her getting the Virgin Money 40 months interest free card, so she applied for it. The balance they set, despite asking if she had any balances to transfer, was £6,500 just 2 grand short of the full amount she needed.

They have said she can write in to request an uplift, which she has done, and if successful she will be able to transfer the remaining balance and bee 100% consolidated with no interest.

At present, she has basically cut her interest by 76% which is absolutely brilliant.

It's thanks to this site and the chat from you guys that this was possible (even though it was a different card!), so thanks to the OP and all those who contributed!

akajay07

Not strictly true... There are '0% Money Transfer Credit Cards' which … Not strictly true... There are '0% Money Transfer Credit Cards' which would give you a cash amount to pay off your loan and you can then pay that off gradually from the card. There is, however, a small fee for doing this - the lowest starting at around 2% - which is added to your total balance. See here for more details: http://www.moneysavingexpert.com/loans/cut-loan-overdraft-costsI gave 8 examples 3 posts before yours... Admittedly they're not quite 3 years, but there very much IS something like that.


That's not this card though, so just making sure he didn't apply for this one and cost himself a bomb.

JusticeForThe96

No mate, this would only apply to balance transfers from other credit … No mate, this would only apply to balance transfers from other credit cards. You're stuck with your loan.


Not strictly true... There are '0% Money Transfer Credit Cards' which would give you a cash amount to pay off your loan and you can then pay that off gradually from the card. There is, however, a small fee for doing this - the lowest starting at around 2% - which is added to your total balance. See here for more details: http://www.moneysavingexpert.com/loans/cut-loan-overdraft-costs

fulous

There is nothing like that, what will the credit company gain by giving … There is nothing like that, what will the credit company gain by giving you 0% interest and 0 fees for 3 years??? thats like a 3yr interest free loan, unheard of...


I gave 8 examples 3 posts before yours... Admittedly they're not quite 3 years, but there very much IS something like that.




Edited by: "akajay07" 22nd May
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Personal Finance
Every day offers for Lloyds Bank customers-Cashback
Checking my back account online and realised that I had totally forgotten about the 'Everyday Offers' . For those who don't know, you simply register for the offers you want then next time you use yo… Read more
Latest commentsPost comment

Is This also for basic accounts

My account says I've earned £18.52 using these - and I aren't activate them. So it must be worth doing. Leave the OP alone!

For god sake. The person is only trying to tell you

jmb

Rates are still better than any of the other banks though!



No they're not!

superpanda

The interest rate is going down soon so looks like you are going down … The interest rate is going down soon so looks like you are going down that drainpipe.



Rates changed on 8th January. Whether that had any effect depends on the balance that someone had in the account.
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Groceries
Potentially Approx Free £10 for Lloyds Customer with Everyday Offers
Just saw 10% cashback for Morrisons pop up on the everyday offers on my Lloyds account. Hope it's the same for everyone else. The easiest way to get some cashback is to go to Morrisons and buy the c… Read more
Latest commentsPost comment

NomiKaay

Worth a try doing it twice. Worst case scenario, you end up with only 5% … Worth a try doing it twice. Worst case scenario, you end up with only 5% rather than 10%.



​Unfortunately it was only a one time transaction offer with limit of £100 spend but at least £5 cashback on a £102 shopping spend was better than nothing

Original Poster

maani12

I got 10% last year but only 5% cashback this year with morrisons using … I got 10% last year but only 5% cashback this year with morrisons using my lloyds debit card.Only allowed 50 pounds cashback at my local



Worth a try doing it twice. Worst case scenario, you end up with only 5% rather than 10%.

I got 10% last year but only 5% cashback this year with morrisons using my lloyds debit card.
Only allowed 50 pounds cashback at my local

I only have £5 cashback on a minimum £50 basket. Heat enough for me!

Must be selected accounts, no Morrisons on mine.
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Home & Garden
Lloyds car finance PCP APR 4.2%
OK, so for Lloyds customers they are now offering car finance & I saved a reasonable amount rather than going through the dealer. My A.P.R with Lloyds was 4.2% as opposed to 10.9% with the dealer.… Read more
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So it's basically cost you £1000 over 4 years to buy a car that you could sell or keep at anytime. With the peace of mind you have a dealership & bank to contact should you have any problems.

Seems hot to me!!

Original Poster

Here are the full numbers:
Finance option: Flex Car Finance

Price of car: £11,949.00

Deposit: £3,500.00

Amount of credit: £8,449.00

APR:4.1%

Term: 48 months


Monthly repayment: £128.31

Final lump sum payment: £3,380.00

Purchase fee: £10.00

Total repayable: £9,410.57

Original Poster

Yes, there are lots of different options. I know, as I have spent weeks deciding what to do. I decided to go the PCP route as it suited me & thats why I posted the deal in the hope it would help someone. I may decide to make the final payment, I like that I have the option.

I did look at PCH but as soon as you increase the mileage ( I need 17,000) the price goes up considerably.

Up to you how you fund your car but if this saves someone from taking a PCP deal at higher rates with a main dealer then object achieved.

humphmeister

I think you are missing something; the difference between a PCP deal & a … I think you are missing something; the difference between a PCP deal & a loan. A PCP deal still requires a final payment to clear the finance or roll it over to another deal. You have just proved my point that taking a personal loan increases the monthly payment to £187.95 p.m as opposed to £128 p.m with the Lloyds PCP deal. Your loan would cost approx £2,847 more over the 48 months but have no final balance to pay. I would have a final balance to pay of approx £3,300 if I wanted to keep the car.



​but if you've no interest in owning the car at the end you could lease one a lot cheaper and save your £3500 deposit and have a cheaper monthly payment.

Original Poster

This is what I feel is a good PCP deal & doesn't tie you to the dealer's higher rates
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Restaurants
20/15/10% Cashback @ Sizzling Pubs/Ember Inns/Harvester/Crown Carveries/Vintage Inns/Toby Carvery. Lloyds customers
Just a heads up for Lloyds current account customers, checked my current account and there's lots of decent cashback offers at the moment for pub meals, so can be used with the existing offers on here… Read more
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Original Poster

Also, when you pay your bill you get a £5 off £25 voucher. So, as you get shown to a table, you can put drinks on the tab. £25 of food and drink, £5 off, then 20% back so £16 for £25 worth of food/drink. And unlimited 'salad'

FYI
AA Members (Check your email) get 20% on all of those, plus O'neill's and Miller and Carter.

Original Poster

Delboyrob

How does this work?



You pay for your meal with your Lloyds debit/credit card. Lloyds detect you have done so, and give you e.g. 20% back of what you paid at the end of the month.

In theory you could take a load of your mates out, collect the money for food then pay on your card, if the bill comes to say £60 you'd pocket £12.

How does this work?

But nothing off the best pub chain beefeater, just all the cheap quality pub food
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Groceries
7% off next purchase at Sainsburys with Lloyds Everyday offers (invite only)
Good deal if you have a Lloyds bank account and shop at Sainsburys. 7%off your next purchase at Sainsburys with Lloyds Everyday offers just log onto your Lloyds account and activate under everyday off… Read more
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Banned

Don't forget to get cashback lloyds only see's a total amount spent and pay's 7% on all of it

Thank you! I have this offer and wouldn't have checked if I hadn't spotted it here. Heated added

I got 10% with BofS last night

Everyone has different offers - all mine seem to relate to expensive shops I'd never set foot in :-)

5% at Halifax extras for me currently, for info.
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Other
Lloyds Bank Credit Card All Rounder
I was looking for a credit card that had a bit of both on it (transfer and purchases) and this one seemed like a hot deal to me No annual fee 0% on purchases for 19 months And 0% on balance transfe… Read more
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anyone care to share why this cold please?
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Home & Garden
5% off Argos when paying with Lloyds Debit Card and other exclusive offers
Came across this the other day whilst logged into my Lloyds online account. On the right-hand side there is an offers section. You will see a fair number of offers, some of which will be of interest, … Read more
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Stendhal

Never noticed it on login, don't look at statements, don't waste my time … Never noticed it on login, don't look at statements, don't waste my time watching TV, and don't get the bus :D.



I always find they're a bit obscure and from shops I wouldn't normally go into but if you have a Lloyds Duo credit card look at the Amex Connect site. They tend to be much better deals (I've had £60 back in the last month from there but only £40 in the whole year from Lloyds offers.)

Original Poster

Dilbert

They are there every time you log in, are mentioned in statements and … They are there every time you log in, are mentioned in statements and covered by a regular tv ad campaign (as well as on billboards and bus shelters). If you didn't know about these then someone else should really be handing your money!



Never noticed it on login, don't look at statements, don't waste my time watching TV, and don't get the bus :D.

Stendhal

Ah, I see. I didn't know that.Still, it's at least worth the heads up for … Ah, I see. I didn't know that.Still, it's at least worth the heads up for people who didn't know these offers existed whatsoever!



They are there every time you log in, are mentioned in statements and covered by a regular tv ad campaign (as well as on billboards and bus shelters). If you didn't know about these then someone else should really be handing your money!

Original Poster

wesleyaldred

These are specifically for you, for example I have several live offers … These are specifically for you, for example I have several live offers all totally different to the ones you mentioned!



Ah, I see. I didn't know that.

Still, it's at least worth the heads up for people who didn't know these offers existed whatsoever!

These are specifically for you, for example I have several live offers all totally different to the ones you mentioned!
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Groceries
Lloyds Bank Everyday Offers 10% cashback on Waitrose
Can anyone confirm whether it works with getting cashback and/or buying gift cards in-store? Earn 10% Cashback on your next groceries shop at Waitrose - in store or online at waitrose.com (maximum re… Read more
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Tehriddler...thanks for the information....jane

Original Poster

[img][/img]

Nanajane

Am assuming that you get the cash back for the spend and that you don't … Am assuming that you get the cash back for the spend and that you don't have to replace the money in the account to qualify?How do you find out if you are eligible for this offer?Does anyone know long it lasts?Sorry for all the questions, thanks Jane


It's back again, this time for 5%. Lloyds will detect the transaction in the statement and pay the cash back to you the next month.
http://s13.postimg.org/sn7ek4bvr/waitrosecashback.png

Am assuming that you get the cash back for the spend and that you don't have to replace the money in the account to qualify?
How do you find out if you are eligible for this offer?
Does anyone know long it lasts?
Sorry for all the questions, thanks Jane

Original Poster

Youngy

Maximum instore cashback is £50


I didn't dare to spend that much. I bought £ 50 John Lewis gift card and asked for £ 50 cash back at the till.

tehriddler

I wonder how much cash they keep in the till. I'll get a £ 100 John Lewis … I wonder how much cash they keep in the till. I'll get a £ 100 John Lewis gift card and £ 100 cashback to max out.


Maximum instore cashback is £50
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Groceries
10% Cashback from Sainsbury's with Lloyds Everyday Offers
The Lloyds Everyday Offers (free) must be activated at the bottom right navigation panel. Earn 10% Cashback on your next purchase from Sainsbury's. Save on a wide range of big brands in store and liv… Read more
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Forgot...but also you have the chance to win back the cost of a debit card usage. Think it's about a 1000 transactions per month that are chosen and paid back to customers.

If you are a Lloyds bank customer and use their internet banking you can register for Everyday Offers. You are then given differing discounts for outlets etc when you use your Lloyds debit or credit card. Discount paid back into your account once used. Different customers get different offers.

I have no idea what this is all about! Does it only apply to Lloyds customers? It's certainly not on my Nat West online account.

Moderator

Remember the code of conduct. Name calling will attract infractions.

It appears you needed to have used your card at one of the qualifying outlets, to have that appear in your list of eligible merchants.
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Home & Garden
Club Lloyds 4% interest current account
Overall having done some quick checking this is the highest rate of interest for a current account IF you have some cash liquidity. In this case you need £4000 in the account in cash to be at 4% rate… Read more
Latest commentsPost comment

akaa47

you don't have to do a standing order. just transfer the 1500 to another … you don't have to do a standing order. just transfer the 1500 to another account before the month is over and then transfer it back during the next month.



I don't have any other Lloyds accounts though. I think It would be easier to have a standing order from my other bank into Lloyds for £1500 then back to my bank via standing order for £1500 a few days later.

KongDonkey

I would like to know this. Could bounce the money in and out and set up 2 … I would like to know this. Could bounce the money in and out and set up 2 direct debits and get 2% interest as well as the ClubLloyds benefits.



​you don't have to do a standing order. just transfer the 1500 to another account before the month is over and then transfer it back during the next month.

tj9at_jp

Anyone know if you can meet the £1500 monthly funding via standing order?



I would like to know this. Could bounce the money in and out and set up 2 direct debits and get 2% interest as well as the ClubLloyds benefits.

Found out the Aa version free with my lloyds bank has an associated £80 call out fee per call out, that's more than annual membership, the bank like its traders are trying a fast one, better going with a Spanish bank santander

iand123

Thanks, might be worth a closer look then



Don't believe so, they can lower interest at any time.
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Home & Garden
Lloyds Bank Mortgage rates as low as 1.44%
I've just been in to Lloyds Bank to review my mortgage and they are offering deals from as low as 1.64%, but if you are a club lloyds member you can get a further .2% discount meaning a fixed rate of … Read more
Latest commentsPost comment

I've been offered this too in my branch and £500 cashback too to move my mortgage. I have booked an appointment to go through. will let you all know.

Comes up on the link provided. 1.64, 2 year fix, 60 ltv, I assume 2k product fee as only showing 1,99 on my phone.

2yr online fixed LTV 60% shows the lowest rate as 1.94% with a £995 booking fee when I look?

I'm after a 65-70LTV personally but this might be useful to some if we can actually find it...?
Edited by: "PR1" 8th Jan 2015

Its available online 2 yr fixed rate LTV 60%

Yes, please provide some extra detail...
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Home & Garden
Lloyds Bank Balance Transfer Credit Card 28 months at 0%. Small 1.5% fee. Plus £20 back from Quidco
28 months balance transfer at 0% 1.5% fee which is about half what others charge for same 0% duration possible £20 cash back from quidco Shared Via The HUKD App For Android.
Latest commentsPost comment

Has the cashback offer through TCB gone - not showing the 28/12 offer?

My Quidco has tracked fine under 'Lloyds Bank 33/6 Credit Card'

Original Poster

Box

which link in quidco do you use tog et hi to track and show up? i've … which link in quidco do you use tog et hi to track and show up? i've tried the 7 in there and all bring up different rates and credit cards



it appears to have gone. on my tracking history its called Lloyd's 28/12

which link in quidco do you use tog et hi to track and show up? i've tried the 7 in there and all bring up different rates and credit cards

themadgoose

What a ridiculous world! I've just borrowed money from Lloyds to pay off … What a ridiculous world! I've just borrowed money from Lloyds to pay off my Halifax Credit Card so I don't have to dip into my savings which sit accruing 5% interest in TSB.No wonder the banks are in trouble.



mate, any money you save or borrow always goes into one or other bank account, either borrower's or lender's. The bank uses 90% of that money to lend it again to someone else who once again puts it back into his account, and this cycle continues.

so tell me who the winner is.
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Home & Garden
0% balance transfer (with low 1.5% fee) for Long 28 months 0% for purchases for 12 months LLoyds Bank
Platinum 28 Month Balance Transfer Card Good for: Saving - 0% interest for the first 28 months on balances transferred within the first 90 days after your account is opened. Balance transfer fee of 1… Read more
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I am Lloyds current account holder and also have there standard credit card, can i apply for this one? anyone know?

You know Foley 2001-uk i had the same problem a few years back , i had money in the bank , a permenent job , went to get a morgage & got knocked bad due to my credit rating as i didnt owe anyone money ..... strange i thought till i done my homework & found out you need a credit rating to get credit

is there any better deals out there than this or is this the best deal going at present

Never ever had issues getting credit from anywhere before....... LLoyds decline my application.....

I've also taken them up on this, after a very very bad experience with Halifax. Absolutely seamless transfer and I got the best interest rate (which surprised me considering my credit score isn't perfect). Think it helped that I have a current account with them though. They're like a completely different bank since the Lloyd's/TSB split. Heat added!
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Groceries
Earn 10% cashback at Morrisons when you pay with your Lloyds debit or credit card
Great when used in conjunction with the vouchers in todays Sun Newspaper. Earn 10% Cashback at Morrisons on all your purchases until 07/09/2014, maximum total reward £10. Excludes petrol stations &am… Read more
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nb2508

I HIGHLY doubt Lloyd would offer £30 cashback just for buying a few items … I HIGHLY doubt Lloyd would offer £30 cashback just for buying a few items instore. Not to say you're wrong but I'm assuming that what you read was the maximum cashback you can receive is £30 which would require a £300 spending in waitrose (10%) in order to receive



I noticed webbywebster above said he got the cashback for getting cash out (cashback) at the Morrison's tills. I read the terms a bit more for the Waitrose 10% cashback. It only applies to one transaction, so you would have to spend £300 in one go to get £30. I am guessing you can't get £300 cashback at the tills anyway! I suppose if you got £50 and getting cashback worked there, it would give you a fiver.

Slightly annoying for me, as I did go shopping there today and got cashback before I signed up to the Lloyds scheme. I'm giving up now, I've written cashback far too many times in that paragraph.

moneysavingkitten

Looks like Waitrose are doing £30 cashback? So in theory you could buy … Looks like Waitrose are doing £30 cashback? So in theory you could buy something small a few times, get cashback and earn £30?



I HIGHLY doubt Lloyd would offer £30 cashback just for buying a few items instore. Not to say you're wrong but I'm assuming that what you read was the maximum cashback you can receive is £30 which would require a £300 spending in waitrose (10%) in order to receive

I've got this offer, thanks for reminding me hot!

nb2508

The only supermarket cashback I've only been offered is to shop at … The only supermarket cashback I've only been offered is to shop at waitrose and get 10%, but I doubt that's of any use to people on HUKD!



Looks like Waitrose are doing £30 cashback? So in theory you could buy something small a few times, get cashback and earn £30?

Original Poster

You need to have internet banking and register for everyday offers which is all completely free.
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Home & Garden
EVERYDAY OFFERS FREE CASHBACK LLOYDS BANKING GROUP
Everyday offers free cashback. If you are offered any sort of cashback. Ie if you are offerred 10% cashback on a purchase. you do not really have to make a purchase. Just withdraw cashback to the mini… Read more
Latest commentsPost comment

Original Poster

As far as i know it is working. I have just tried it again as morrissons offer keeps on coming up every couple of weeks. If it isnt working with anybody then can they post. What has been changed.

Been offered Morrisons cashback on my current account. Does this trick still work?

Original Poster

I am assuming you can as long as you do not have a withdrawal limit i.e 5 withdrawals per day or something. you can withdraw cashback as many times as you want as long as it is on the same day. As the following day the system will knockout the offer. so if you have a offer of 10% cashback. As long as you withdraw cashback on the same day they should all show.

sounds good.

HUSBANDKHAN

. It pays once. So get £50 cashback and then buy something for the other … . It pays once. So get £50 cashback and then buy something for the other £50 and return it once the cashback shows.



Not sure what you mean, I went twice in the last offer. First time sandwich with £50 cashback = £5 from Lloyds, second visit exactly the same. I received £10 total