Banking Charges Guide

8/10/2019 Banking Charges Guide

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BANKINGCHARGES


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Contents

Your guide to our charges

Current account feesOverdrafts

Our Control Option

Examples Unplanned Overdraft Fees

Debit card and Cashpoint card charges

Other services

Cheque clearing process

Voicing any concerns


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Your guide to our chargesIf you have a personal account at any of our UK branches, this guidetells you everything you need to know about our main fees andcharges. You might find it helpful to keep it with your bank statements

and use it to plan ahead and avoid unnecessary fees.

Unless you pay a monthly fee for an account withadded benefits, we dont normally charge you foreveryday banking providing your account is incredit. There are some events, however, like usingyour cards abroad, where there may be charges.This guide will tell you exactly how the charges work,and when they may be applied.

If you want to use a service we havent covered here,well always let you know before you are charged.If we make any changes to fees or services youregularly use well always let you know in advance.

When charges are appliedDifferent fees are taken from your account atdifferent times. For example, regular fees like monthly

account or benefit package fees will come out of youraccount at the end of your monthly billing period.

This is usually from the second working day of eachmonth to the first working day of the next month, butit can vary. If youd like to check what your monthlybilling period is please just ask us in branch, or call uson .

There are some charges that are made at the time we

provide you with the service, for example, when youuse your debit card abroad.

Other charges, such as the Monthly Overdraft UsageFee, overdraft interest or Unplanned Overdraft DailyFees, are worked out at the end of the monthly billingperiod and well always let you know the amountbefore they are taken from your account.

If you change an account or service that has a regularfee attached to it, such as a monthly account fee, part

way through your billing period, youll only pay for thetime youve actually had it.


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Current account feesTo check what type of current account you have please see yourstatement, visit us in branch or call .

Type of current accountMonthlyaccount fees Main benets

Under 19s Free A current account specically designed for 1118 year olds.

Cash Free Free banking for everyday transact ions when you are in credit.

Classic Free 25 Interest and fee-free Planned Overdraft(subject to application and approval).

Student Free Interest and fee-free tiered Planned Overdraft available(subject to application and approval). Special discounts and incentives which are detailed in yourwelcome pack (subject to availability).

Graduate Free Interest and fee-free tiered Planned Overdraft available(subject to application and approval).

Islamic Free Free banking for everyday transactions and condence the money you keepwith us in your Islamic account will not be used for any interest based ornon Shariah approved activities.

If the type of account you hold isnt listed here please visitlloydsbank.com for an overview ofyour account features and charges, or ask in branch.


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Accounts with added benefitsWe use a range of third party providers for the benefits on these accounts. More informationon all the benefits and exclusions is available at lloydsbank.com see the Upgrade options

tab on our current account page.If youre an existing customer and hold one of our Select, Gold or Premier accounts you canfind out about your account fees online at lloydsbank.com see the Existing customer tabon our current account page.

Type of current accountMonthlyaccount fees Main benets

Club Lloyds* 5 (waived whenyou pay in atleast 1,500 eachmonth)*

An account that gives you everyday banking plus a range of benets including: A choice of one Lifestyle Benet. A range of banking offers. Earn tiered, variable credit interes t on your balance between 1 and

5,000 when you have 2 different direct debits paid from your accounteach calendar month.

100 interest and fee-free Planned Overdraft (subject to application andapproval).

Silver 9.95 An account that gives you everyday banking plus a range of benets including:

AA Roadside Assistance and Accident Management.

Mobile Phone Insurance from LSG. AXA European Travel Insurance (up to 65 years). 50 interest and fee-free Planned Overdraft (subject to application

and approval).

Platinum** 17 An account that gives you everyday banking plus a range of benets including:

AA Roadside Assistance with Relay, Home Start andAccident Management.

Mobile Phone Insurance from LSG. AXA Worldwide Travel Insurance plus either family or winter sports cover

(up to 80 years).

300 interest and fee-free Planned Overdraft(subject to application and approval).

No Unplanned Overdraft Daily Fees charged for the rst time you use anUnplanned Overdraft, as long as you havent already done so in the last 12months (a Monthly Overdraft usage fee will still be charged).

*Club Lloyds: If you pay , or more into the account in any calendar month the Club Lloyds fee for that monthly billing period will be waived.

**Platinum: If you opened your account before January your monthly account fee will be waived if your balance remains at or above ,during the monthly billing period. If your account is upgraded, downgraded or you add Club Lloyds benefits to your account you will lose thefee waiver.

Unplanned Overdraft Daily Fees will become payable if:

your Unplanned Overdraft balance at the end of a day is greater than it was at the end of the prev ious day; and/or the Unplanned Overdraft has still not been repaid at the start of the next monthly billing period.


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Club Lloyds and Added Value AccountsYou can add Club Lloyds benefits to your Silver, Gold*, Platinum and Premier* Accounts(subject to meeting the relevant conditions). You will pay both of the fees detailed below, but

if you pay , or more into the account in any one calendar month the Club Lloyds fee forthat monthly billing period will be waived.

Type of current accountMonthlyaccount fees Club Lloyds fee

Interest and fee-free PlannedOverdraft amount (subject toapplication and approval)

Club Lloyds Silver 9.95 5 100

Club Lloyds Gold 12.95 5 150

Club Lloyds Platinum 17 5 300

Club Lloyds Premier 25 5 500

All of these offer you a range of banking offers and tiered, variable credit interest on your balance between and whenyou have different direct debits paid from your account each calendar month, and a choice of one Lifestyle Benefit (termsand conditions apply).

*Please note that Club Lloyds Gold and Club Lloyds Premier are only available to customers with an existingGold or Premier account.


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OverdraftsAn overdraft is where, as part of our service, we are willing to lendyou money through your current account. We provide two types ofoverdraft: a Planned Overdraft and an Unplanned Overdraft.

If you decide you need an overdraft, you can ask us inadvance for a Planned Overdraft on certain accounts.You can also ask to increase an existing PlannedOverdraft limit at any time. You must be or overto have a Planned Overdraft.

How much we lend, if anything, depends on ourassessment of your personal circumstances.Lloyds Bank is a responsible lender and we onlywant you to borrow what you can afford and in away that is best for you.

If you try to make a payment but do not have enoughavailable funds in your account or sufficient PlannedOverdraft, we will treat this as a request for anUnplanned Overdraft to cover that payment. We willeither agree to your request or you will not be able tomake that payment. Fees will normally be charged ineither case. Please see condition in Your Banking

Relationship with us, the Personal Banking Termsand Conditions, for more details about overdrafts andavailable funds.

You will also normally be charged interest if you usea Planned or Unplanned Overdraft. All overdrafts arerepayable on demand.

Interest payable on overdraftsThe same rate of interest is currently payable for bothPlanned and Unplanned Overdrafts. The rate you paywill depend on the type of current account you havewith us. Please note that although the same rate ofinterest is payable, the fees are different.

Please see the Overdraft fees section for details.

Overdraft buffersOur overdraft buffers are designed to give you a bit offlexibility with your overdraft. A buffer is an additionalinterest and fee-free overdraft amount that we mayprovide on a Planned or Unplanned Overdraft we letyou have. We have two types of buffer outlined below.Details of the accounts which may provide a buffer

and the amount and type of buffer available can befound on the page opposite.

Planned buffersA Planned buffer is an additional amount of anyPlanned Overdraft that we give you over any interestand fee-free amount.

Unplanned buffersAn Unplanned buffer is an additional interestand fee-free amount we apply over the limit ofyour Planned Overdraft if we agree to providean Unplanned Overdraft.


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Buffer amounts and overdraft interest rates

Account Planned BufferUnplannedBuffer

OverdraftInterest rate%per month

OverdraftInterest rate%EAR*

Platinum 10 10 1.34% 17.28%

Silver and Classic 10 10 1.53% 19.94%

Club Lloyds Premier 0 10 1.20% 15.43%

Club Lloyds Platinum 0 10 1.34% 17.28%

Club Lloyds, Club Lloyds Gold andClub Lloyds Silver

0 10 1.53% 19.94%

These interest rates are correct as at March . Interest rates are variable.

*EAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesnt take into account other fees and charges.

Things to note: If you stay within the Planned or Unplanned

buffer amount shown above, we wont charge youany additional overdraft fees or interest.

But if the amount you borrow is more than thebuffer amount shown, then well charge overdraftfees and interest on the full amount of any PlannedOverdraft greater than any interest and fee-freeamount, and in the case of the Unplanned bufferon the full amount of any Unplanned Overdraft.

Please see page for details of interest rates onour other accounts.


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Overdraft feesWe will charge you the following fees for all overdrafts, whether Planned Overdrafts or Unplanned Overdrafts:

Fee Amount Description

MonthlyOverdraftUsage Fee

6 You will only pay this fee if you use a Planned Overdraft or Unplanned Overdraft by more than any feefree amount or buffer at any time during your monthly billing period (even if your next monthly billingperiod is only a few days away).

We will charge you a maximum of one Monthly Overdraft Usage Fee in a monthly billing period.

We will not charge you any other fees for a Planned Overdraft, however you will be charged interest on anydebit balances above any interest and fee-free amount and any buffer.

REPRESENTATIVE EXAMPLEIf you use a Planned Overdraft limit of1,200 on our Classic Account the overdraft interest rate wecharge on the first 25 will be0% EAR variable . The overdraft interest rate on the next 1,175 willbe 19.94% EAR variable and a Monthly Overdraft Usage Fee of 6 will apply.

If we agree to your request for an Unplanned Overdraft, we will also charge you the following fees:


Daily fee UnplannedOverdraftbalance is:

You will pay a daily fee that will be worked out at the end of each day (includingweekends and Bank Holidays) on the balance of your Unplanned Overdraft.We will charge you a maximum of eight daily fees in a monthly billing period.

More than10 but lessthan 25

5 a day

25 or more 10 a day

Daily fees do not apply on Under s, Cash or Islamic accounts.

An overdraft continues until it is repaid. So, at thestart of any monthly billing period, if you still have anoverdraft from the previous monthly billing period,you will incur a further Monthly Overdraft UsageFee (where applicable) and, if it is an UnplannedOverdraft, up to another eight daily fees (dependingon when you pay it back) as well as any interest onyour debit balance.

Unplanned Overdrafts are intended for short term,unexpected borrowing. If you know you are likelyto need to borrow from us, please ask for a new orincreased Planned Overdraft. You can do this byvisiting us in branch, calling us on or online at lloydsbank.com if youre registered forInternet Banking.


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Returned itemsWhere you do not have enough available money tomake a payment and we do not agree to give you orextend an Unplanned Overdraft, you will not be ableto make that payment. We will write to tell you wehave declined your request. We will charge you thefollowing fee:


ReturnedItem Fee

10 foreach item

We will charge you up to amaximum of three ReturnedItem Fees a day. This fee willnot be charged if the amount ofthe payment that we decline is10 or less.

Avoiding overdraft chargesOur Grace Period means that you have until . pm(UK time) to pay in enough money to avoid anyoverdraft fees you may incur that day. The moneyneeds to be immediately available to use, so youcould transfer money from another personal accountyou have with us via Mobile Banking, Internet Bankingor Telephone Banking or pay in cash over the counterin branch.

Standing ordersWe pay standing orders from your account shortlyafter midnight at the start of the due date, or the nextworking day if the due date is a non-working day.If you have insufficient funds in your account to paya standing order, we will attempt the payment againthe following working day and for up to days in total.We may charge a Returned Item Fee if we are unableto pay the standing order at the second attempt.


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Our Control OptionControl is an add-on for our Classic and Club Lloydsaccounts that can help you to stay on top of your finances.

Control cannot be added to any of our other currentaccounts, even where Club Lloyds benefits have beenadded to a Silver, Gold, Platinum or Premier account.

For a monthly fee, Control will help you in two ways:

We will not charge you any Returned Item Fees if youtry to make a payment for which you do not haveenough available money, however you may incurcharges from the recipient of the payment.

If your account does go into an Unplanned Overdraft,you will not pay any fees for the Unplanned Overdraft.

Interest will still be charged.The charges and interest for Planned Overdrafts are thesame as shown in the table on pages and .

Other ways to stay in control ofyour accountYou can stay in control by checking your balance on a

daily basis: at any Lloyds Bank branch at any Cashpoint machine through Telephone Banking on online at lloydsbank.com by using Mobile Banking. We dont charge you for

Mobile Banking, but your mobile operator maycharge for some services. Please check with them.


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Overdraft information onother accounts

Islamic AccountOur Islamic Account is Shariah compliant and PlannedOverdrafts are not available. Where you do nothave enough available money to make a payment,we will not usually agree to provide an UnplannedOverdraft and the Returned Item Fee will apply. Ifwe do give you an Unplanned Overdraft, you will becharged the Monthly Overdraft Management Feeof . You will not be charged interest or UnplannedOverdraft Daily Fees. We will not charge you if yourUnplanned Overdraft is or less.

Cash Account

For Cash Accounts we do not provide a PlannedOverdraft. If we do not agree to give you anUnplanned Overdraft , you will not be able to makethe payment and the Returned Item Fee will apply.If we do give you an Unplanned Overdraft, you willbe charged the Monthly Overdraft Usage Fee of

. You will not be charged interest or Unplanned

Overdraft Daily Fees. We will not charge you if yourUnplanned Overdraft is or less.

Under sFor Under s Accounts we do not providea Planned Overdraft. If something does gowrong and your account goes overdrawn bymistake, we will work with you to make sure youraccount is put right and we wont charge you anyoverdraft or Returned Item fees or interest.

Student AccountIn the first three years of your studies we offer atiered interest and fee-free overdraft of up to , .In years four to six, we offer an interest and fee-free

overdraft of up to , . In either case the amountwe lend will be subject to a review of your personalcircumstances. The interest rate charged on overdraftbalances over the interest and fee free amount is

. per month ( . EAR variable).

Graduate AccountYear

The interest rate charged on overdraft balances over

, is . per month ( . EAR variable).Debit interest is not charged on balances of ,or less.

Year

The interest rate charged on overdraft balances over, is . per month ( . EAR variable).

Debit Interest is not charged on balances of ,or less.

Year

The interest rate charged on overdraft balances over, is . per month ( . EAR variable).

Debit Interest is not charged on balances of ,or less.

Overdrafts on all of our Student and Graduate accounts are subject to application and approval. For details of the overdraft fees which are payable,please see pages and .

These interest rates are correct as at March .

EAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesnt take into account other fees and charges.


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Examples Unplanned Overdraft FeesThe table below gives examples of the fees youllpay if you try to make a payment when you do nothave available funds in your account. You may find ithelpful to refer to your recent bank statements to see

how you currently use your account. This will help youidentify why you might have to pay fees and how youcan avoid paying them in the future.

We developed these examples with the Office ofFair Trading and leading consumer groups to helpyou think about how changing the way you use youraccount can affect the amount you could pay.

In addition to Unplanned Overdraft Fees, you mayalso pay interest on any Unplanned Overdraft you use.

Please note that the following scenarios are to beused as examples only and you may not be able to useyour account in this way.

Reasons that you

might pay fees

Classic, Silver,

Platinum,Student andGraduateAccounts*

Club Lloyds

Account, ClubLloyds Silver,Club LloydsGold, ClubLloyds Platinumand ClubLloyds PremierAccounts*

Classic

Account withControl (10monthly fee)

Cash Account/

Islamic Account

We refuse a payment from your

account because there is notenough money in your account.

If value of payment is

10 or less: NilIf value of paymentis 10.01 or greater:10

If value of payment is


Nil If value of payment is


A payment from your account takesyou into an Unplanned Overdraft by10 or less.

You use an Unplanned Overdraft forone day during the month.

Nil Nil Nil Nil

A payment from your account takesyou into an Unplanned Overdraftand you make another paymentfrom the account while you areoverdrawn.You use an Unplanned Overdraft fortwo days in a row during the month.(Based on your account being in anUnplanned Overdraft for one daybetween 25100 followed by oneday in excess of 100).

26 26 Nil 6


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Reasons that youmight pay fees.

Classic, Silver,Platinum,Student andGraduateAccounts*

Club LloydsAccount, ClubLloyds Silver,Club LloydsGold, ClubLloyds Platinumand ClubLloyds PremierAccounts*

ClassicAccount withControl (10monthly fee)

Cash Account/Islamic Account

A payment from your account takesyou into an Unplanned Overdraftand you make nine furtherpayments from your account whileyou are overdrawn.You use an Unplanned Overdraft for

10 days in a row during the month.(Based on your account being in anUnplanned Overdraft for one dayfor between 25100 and then fornine days in excess of 100 ).

86 86 Nil 6

A payment from your account takesyou into an Unplanned Overdraft.You are overdrawn for one day.

However, on three further occasionsduring the same month, a paymenttakes you into an UnplannedOverdraft. On each of theseoccasions you are overdrawn forthree days.

(Based on your account being in anUnplanned Overdraft for one day atless than 10, three days between25100 and then six days inexcess of 100).

86 86 Nil 6

A payment from your account takesyou into an Unplanned Overdraft.You are overdrawn for 21 days ina row during the month and youmake 12 further payments from theaccount while you are overdrawn.(Based on your account being in anUnplanned Overdraft for ve daysbetween 25100 and 16 days inexcess of 100 ).

86 86 Nil 6

You will only pay Unplanned Overdraft Daily Fees for up to a maximum of eight days in any monthly billing period.

* There is a monthly fee for the following accounts: Silver, Platinum, Club Lloyds, Club Lloyds Silver, Club Lloyds Gold, Club Lloyds Platinum and ClubLloyds Premier.

We will not usually agree to provide an Unplanned Overdraft on our Islamic Accounts.


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Debit card and Cashpoint card chargesWhen you withdraw cash in the UK(whether at an ATM or over the counter) Charges

Using your debit card or Cashpoint card at a LloydsBank Cashpoint machine or branch in the UK.

Free

Using your debit card at a non-Lloyds Bank cashmachine or non-Lloyds Bank branch in the UK.

Lloyds Bank does not make a charge but the owner of the machine may. If so, themachine will show you the amount and tell you that it will be taken from your accountwhen you withdraw the cash.

When you use your debit card to purchaseforeign currency or travellers cheques inthe UK Charges

From Lloyds Bank branches. Foreign currency and foreign currency travellers cheques: free. Sterling travellerscheques: 1.5% of the amount with a minimum transaction charge of 3. You wontpay this fee if you order sterling travellers cheques over the phone or through InternetBanking and collect from a branch.

From any other banks, travel agents, bureaux dechange and outlets displaying the Visa sign.

Lloyds Bank does not make a charge but the provider of foreign currency ortravellers cheques may make a charge.

When you withdraw cash abroad(whether at an ATM or over the counter) Charges

Using your Lloyds Bank debit card. When you withdraw cash abroad normally we convert a withdrawal to sterling onthe day it is processed by Visa using the Visa Payment Scheme Exchange Rate.We will charge a non-sterling transaction fee of 2.99% of the value of the withdrawaland we will charge a non-sterling cash fee of 1.5% of the value of the withdrawalwhich will be a minimum of 2 and a maximum of 4.50. Where you elect to allow

the ATM operator/nancial service provider to make the conversion to sterling wewill charge a foreign cash fee of 1.5% of the value of the withdrawal which will be aminimum of 2 and a maximum of 4.50. The provider of the foreign currency maymake a separate charge for conversion.

Using your Cashpoint card. When you withdraw cash abroad normally we convert a withdrawal to sterling onthe day it is processed by Visa using the Visa Payment Scheme Exchange Rate.We will charge a non-sterling transaction fee of 2.99% of the value of the withdrawaland we will charge a non-sterling cash fee of 1.5% of the value of the withdrawalwhich will be a minimum of 1.50. Where you elect to allow the ATM operator/nancial service provider to make the conversion to sterling we will charge a foreigncash fee of 1.5% of the value of the withdrawal which will be a minimum of 1.50.The provider of the foreign currency may make a separate charge for conversion.Please note there is no maximum non-sterling cash fee or foreign cash fee.

When you use your debit card to make a purchase orother transaction (not cash withdrawal, foreign currencyor travellers cheque purchase) in a currency other thansterling whether you are in the UK or abroad Charges

Using your Lloyds Bank debit card. The amount is converted to sterling on the day it is processedby Visa using the Visa Payment Scheme Exchange Rate. We willcharge a non-sterling transaction fee of 2.99% of the value of thetransaction and we will charge a non-sterling purchase fee of 1which is not applicable if you use a Platinum or Premier accountdebit card.


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Other services

Service Charges

If you ask us to stop a cheque (unless the cheque was lost orstolen, when this would be free of charge).

10

Special cheque presentation if you ask for a cheque to beexpress cleared.

10

Returned cheque if a cheque you pay into your account isreturned to us unpaid by another bank or branch.

Free

Statements we will send you regular account statementswhich are free of charge.

Free

Duplicate statements. 5 for each request (for any number of pages)

Bankers draft/cheque (sterling). 20

CHAPS Payment when you transfer cleared money toaccounts held at any other bank on the same day, to arrivethe same day. This will include an advice to the person youare paying when the payment reaches their bank.

30

Overseas Payments and deposits Charges

International Payment online. Sending a payment up to 5,000 10 fee

Sending a payment of 5,000 or over 17.50 fee

International Payment branch and telephone. Sending a payment up to 5,000 20 fee

Sending a payment of 5,000 or over 35 fee

International Draft. 20*

Electronic payments received from abroad. Receiving a payment up to 100 2 fee

Receiving a payment of 100 or over 7 fee

Cheques received from abroad. Sterling value of 100 or less = 5. Sterling value more than 100 = 0.25% of the total s terling

value to a maximum of 80. The minimum value charged will bebetween 8 and 15 depending on whether we negotiate thecheque, or wait for the funds to be released by the paying bank.For more information visit us atlloydsbank.com

* There is a charge for cancelling an international draft (it also costs to re-issue an international draft). Refund conversions will be made usingour standard exchange rate for buying that currency on the day we receive the money.


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Cheque clearing processCheques go through a clearing process so the amountyou pay in may not be available to use straight-away.

The clearing cycle means that when you pay in asterling cheque from another bank in the UK, the Isleof Man, Gibraltar or Channel Islands (the paying bank)into your personal account with us:

i. we will show the cheque in your account on thesame day that we receive it;

ii. from the second working day after we receive it,we start paying any interest on the cheque if yourcurrent account pays credit interest (or using it toreduce the debit interest you pay);

iii. from the fourth working day after we receive it, thefunds are available for you to use but the chequemay still be returned unpaid up until the sixthworking day after we receive it; and

iv. from the end of the sixth working day after wereceive it, if the cheque is returned unpaid by the

paying bank, we cannot take money from youraccount without your consent unless you haveacted fraudulently.

So, for example, if you pay in a non-Lloyds Bankcheque on a Monday, you will see it on your accountthe same day, it counts towards any interest onWednesday, you can use the money on Friday and wecannot take the payment out of your account afterthe following Tuesday.

Please speak to a member of staff if you would likemore details.

Voicing any concernsAt Lloyds Bank our priority is to provide you with thehighest level of customer service. However, if youshould have a problem please let us know so wecan provide a solution as quickly as possible. If youneed information about our complaints procedure,please ask for a copy of our brochure How to voiceyour concerns.


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Important InformationNot all Telephone Banking services are available24 hours a day, 7 days a week. Please speak to an adviserfor more information. We may monitor or record callsto make sure we have carried out your instructionscorrectly and to help improve the quality of our service.If you need to call us from abroad, or prefer not to use our0845 number, you can call us on +44 1733 347 007.Cashpoint is a registered trademark of Lloyds Bank plc.Lifestyle Benefits are administered by The Grass RootsGroup UK Ltd.Lloyds Bank plc. Registered Office:25 Gresham Street, London EC2V 7HN.

Registered in England and Wales No. 2065.Lloyds Bank plc is authorised by the PrudentialRegulation Authority and regulated by theFinancial Conduct Authority and the PrudentialRegulation Authority under registration No. 119278.

We subscribe to the Lending Code:copies of the Code can be obtained fromwww.lendingstandardsboard.org.ukWe are covered by the Financial Services CompensationScheme and the Financial Ombudsman Service.Information correct as at July 2014.


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Find out more

Go to lloydsbank.com

Call us on

Visit your local branch

Please contact us if youdlike this information in analternative format such asBraille, large print or audio.

If you have a hearing or speech impairmentand would prefer to use a Textphone,please feel free to call us on (lines open hours a day, days a week).

If you are Deaf and prefer to use BSL then youcan use the SignVideo service available on ourwebsite: lloydsbank.com/signvideo.asp

Your call may be monitored or recorded incase we need to check we have carried outyour instructions correctly and to help improveour quality of service.

Documents

Banking Charges Guide