---
title: Club Lloyds Overdraft Rate & Real 30-Day Cost (August 2026)
description: Club Lloyds charges −£3.26 for 30 days overdrawn at £250 (29.9% EAR, first £100 interest-free). See the full cost table and how it compares with all 15 UK banks.
image: https://overdrafts.com/brand/og/club-lloyds.png
canonical: https://overdrafts.com/club-lloyds/
updated: 2026-08-28
---

# Club Lloyds overdraft: the real cost

The third-cheapest overdraft on the board right now.

## What 30 days overdrawn costs

| Amount overdrawn | Cost over 30 days |
| --- | --- |
| £100 | £0.00 |
| £250 | −£3.26 |
| £500 | −£8.69 |

29.9% EAR · First £100 interest-free

## How the £250 figure is worked out

Amount charged interest (£250 − £100 interest-free)

£150

Daily rate from 29.9% EAR

0.0717%

Cost over 30 days

−£3.26

#3 of 15 cheapest at £250 · cheapest right now: [First Direct →](https://overdrafts.com/first-direct/)

## Rate history

-   28 August 2026 · interest-free amount £0 → £100
-   28 August 2026 · EAR 27.5% → 29.9%

## Sources

-   [Club Lloyds’s published overdraft rate page](https://api.lloydsbank.com/open-banking/v2.2/personal-current-accounts) · checked 28 August 2026

## Common questions

### How much does the Club Lloyds overdraft cost?

At £250 overdrawn for 30 days, Club Lloyds charges −£3.26 at its advertised 29.9% EAR, after the first £100 interest-free. At £100 it’s £0.00; at £500, −£8.69.

### Does Club Lloyds have an interest-free buffer?

Yes. The first £100 of an arranged overdraft is interest-free, and interest applies only above that.

### Is Club Lloyds the cheapest overdraft?

Not at £250 overdrawn: it ranks #3 of 15. The cheapest right now is First Direct. The full leaderboard has every bank.

[← Back to the leaderboard](https://overdrafts.com/#board)

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