Help on Lloyds
You can now use the Lloyds Help Centre for help and support.
Your Ultimate Reward Current Account benefits
Access your benefits online
- Our app makes it easy to manage your account benefits online.
- You can find key information about your benefits and how to use them when you need to.
- For full details of your benefits, policies, account terms & conditions and the range of third party providers we use, please read the Getting Started Guide (PDF, 1.33 MB).
How to do it
You can do this using the Lloyds app or online banking - let us show you step-by-step.
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- Log in and select the three dots next to your packaged bank account.
- Scroll down to select View account benefits.
- Select the account benefit you need support with and follow the instructions.
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- Log in to Online Banking and next to your Packaged Bank account select More actions.
- Select Account Information and Benefits and then scroll down to View account benefits.
- Select the account benefit you need support with and follow the instructions.
Get set up online
The Halifax brand is changing to Lloyds
If you don’t use online or mobile banking, you can start using the Lloyds app now to see your existing Halifax accounts. Once you’ve downloaded it, you can set it up using your Halifax account details.
Let’s take a closer look
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Value table Ultimate Reward Current Account benefits
Annual average value
Ultimate Reward Current Account benefits
Worldwide travel insurance
Annual average value
£491
Ultimate Reward Current Account benefits
Breakdown cover
Annual average value
£69
Ultimate Reward Current Account benefits
Mobile phone insurance
Annual average value
£102
Ultimate Reward Current Account benefits
Home Emergency Cover
Annual average value
£148
Ultimate Reward Current Account benefits
Total
Annual average value
£810
The Ultimate Reward Current Account has annual insurance benefits worth on average £810, all for £228 a year (£19 per month, from the 13th of January 2027 this will increase to £21.50 a month or £258 per year).
This could give you an average saving of £552 a year.
The average values, (rounded to the nearest pound) were calculated by Consumer Intelligence Ltd through detailed desktop research, using average quotes for similar insurance products found on popular price comparison websites. Calculated as of June 2026.
Read the full report (PDF, 488KB)
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Some key benefits
Some important exclusions
Some key benefits
- Worldwide multi-trip family travel cover
- Covers winter sports and golf trips
- Covers UK trips where accommodation is pre-booked for 2 nights or more
- Includes cover for:-
- Personal belongings up to £2,500
- Single article, pair or set of articles up to £500
- Valuables up to £500 in total
- Personal Money up to £750 (cash £300)
Some important exclusions
- Cover ceases fully on your 71st birthday. As long as the account holder is aged under 71, their spouse, civil partner or partner will also be covered until they reach 71
- Pre-existing medical conditions aren’t covered unless agreed by the insurer
- The maximum trip duration is 31 consecutive days, for Winter sports a maximum 31 days cover in any calendar year
- £75 excess per adult per incident may apply
- Cover includes your spouse, civil partner or partner and children aged 18 or under, or 24 or under if in full time education. Children are covered when travelling with the holder(s) of the Ultimate Reward Current Account or a Responsible Adult. There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination
- There is no cover if travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority
- There is no cover if you cannot travel or choose not to travel because the FCDO, or any other equivalent government body in another country advises against travel due to a pandemic
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Some key benefits
Some exclusions and rights to refuse service
Some key benefits
- Roadside Assistance
- At Home
- Provides cover within the UK, Channel Islands and Isle of Man
- Cover for the account holder and eligible family members, not the vehicle
Some exclusions and rights to refuse service
- Does not include AA National Recovery, which would recover you/eligible family members to any single UK destination of choice. Under this cover if it is not possible to fix the vehicle at the roadside, you or your eligible family member will be recovered to a local repairer or the AA’s choice or a destination of the covered person’s choice provided it is no further
- There’s no cover for you /your eligible family member if you or they are involved in a road traffic accident and the AA will not recover your vehicle. The AA may be able to provide support in the event of an accident if you decide to use the AA Accident Assist service - see below
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Some key benefits
Some important exclusions
Some key benefits
- One phone per account holder, maximum of two for joint accounts
- Repair or replacement phone up to a maximum value of £2,000 (including VAT) per claim
- Covers for loss, theft, damage or breakdown (including faults).
Some important exclusions
- Excess of £100 is payable on all successful claims
- No more than 2 successful claims per account holder in any 12 month period
- If you make a valid claim for a replacement handset, you will receive a refurbished device which has been through a comprehensive checking process to ensure it’s in full working order
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Some key benefits
Some important exclusions
Some key benefits
- Covers a sudden unexpected incident to your home which needs immediate action to:
- Make it safe or secure and avoid damage or more damage
- Make it fit to live in
- Restore electricity, gas or water services if they have totally failed
- Provides a qualified person chosen by the insurer to deal with the emergency up to £250.
Some important exclusions
This policy is to deal with ‘home emergencies’ needing immediate attention only and will cover costs up to a maximum of £250. It does not cover broken freezers for example.
- Covers a sudden unexpected incident to your home which needs immediate action to: