You will need a bank account that allows you flexible access to your money every day through cheque books and debit cards, along with access to your balance through Internet and telephone banking. Most bank accounts offer a standard range of benefits such as no account charges as long as you don't go overdrawn and interest, but with the range of Lloyds TSB accounts, including the Island Student Account, you can easily find one to suit you.
Island Cheque Account
The Island Cheque Account is a good starting point.
- No minimum opening balance.
- Interest calculated daily on credit balances: the more money you keep in the account, the more interest you will earn.
- No account charges as long as your account stays in credit.
- Cheque book and debit card.
- Guarantee cheques up to the value of £100.
- Standing order and direct debit facilities.
- Option to apply for a personal overdraft facility at any time.
- Offshore PhoneBank and Offshore Internet banking available 24 hours a day, 7 days a week.
- Move your existing account easily from another bank or building society.
How to apply
You can apply by downloading an application form, visiting your local branch or calling us on your local number.
Find out more
Download application form
Request a call back
Island Gold Account
The more savvy saver may want to consider the Island Gold Account which offers everything the Island Cheque Account does but with a little bit extra.
- Relationship manager available to help with all your banking and financial needs.
- Traditional cheque account paying premium rates of interest.
- An internationally accepted Executive Gold debit card.
- Sentinel® card protection.
- Free worldwide travel insurance for you and your partner.
- Lloyds TSB Travel Service in partnership with AIRMILES: collect Airmiles or get a 6.5% discount on holiday bookings.
- Discount on AA European Breakdown Cover.
- Commission-free travel money.
- Personal loans at preferential rates.
- Reduced arrangement fees on fixed rate and tracker mortgages.
- Preferential rates on arranged overdrafts.
- 10% discount on Lloyds TSB Home Protection household insurance policy.
- Offshore PhoneBank and Offshore Internet banking available 24 hours a day, 7 days a week.
- Standing order and direct debit facilities.
- No transaction charges except for additional services (for example international transfers).
- Move your existing account easily from another bank or building society.
- Monthly fee of £7.50.
How to apply
You can apply by downloading an application form, visiting your local branch or calling us on your local number.
Find out more
Download application form
Request a call back
Student Account
Be prepared with your banking before you leave the Island.
Make the most of your money with…
- Up to £1,500 interest-free Planned Overdraft in your first 3 years, rising to £2,000 in years 4,5 and 6.
- Lloyds TSB Visa debit card.
- Option to apply for a Lloyds TSB Credit Card (subject to status and application).
- Option to sign up for Save the Change® Making saving effortless, by helping you save every time you use your Visa debit card.
Manage your money with…
Make the most of student life with…
- Free NUS Extra Card* (exclusive to Lloyds TSB).
- Free YHA membership for three years.
- 40 free music downloads from eMusic plus a free LAVA Mini Speaker**.
How to apply
Customers must have applied for a qualifying course of at least two years' duration. If you are a permanent UK, Channel Island or Isle of Man resident aged 17 years or older and do not hold a student account elsewhere you can apply for the Island Student Account.
Find out more
Download application form
Request a call back
* Only where applicable in the Channel Islands or the Isle of Man.
**LAVA Mini Speaker is subject to availability.
Whichever account you choose for your everyday banking needs, make sure you set yourself up for Internet Banking and Telephone banking.