You can leave your money jar behind you. Our under 19s account adapts with you and is an easier way to look after your money.

Under 19saccount

Contents

Account benefits 1Banking made easy 3Cashpoint® card or Visa debit card 4Using your card 5Remembering your PIN 9

Benefits for the over 16s

• An account that grows with you 11• Keeping track of your money 13• Money Manager 15• Making the most of your account 17• Save the Change® 18

What happens next? 19Managing your money 21Jargon buster 23

Under 19s Account

I want an account that’s got a lot to offer

The Under 19s Account at a glance

Benefits for everyone – Lloyds Bank Cashpoint® card – withdraw

cash from ATMs in the UK and abroad or;

– Lloyds Bank Visa debit card – pay for things in shops, online and by phone, and withdraw cash at ATMs in the UK and abroad.

– Internet Banking.

– Regular statements.

– Update the mobile number we have for you to benefit from our alerts service†.

– Pay a Contact – send money to friends and family using just their mobile number. Available to customers registered for Internet Banking and have an eligible current account. Terms & Conditions apply.

– Money Manager – our online service shows where your money goes.

Benefits from 16 onwards – Save the Change® – the easy way

to save as you spend.

– 24/7 Telephone Banking.

– AA Driving School discount (for customers aged 17+).

– Everyday Offers – earn up to 15% cashback at the types of places you shop (for customers aged 18+ who are Internet Banking registered). Merchant offers and cashback amounts vary.

– You can also activate It’s On Us when you view your Everyday Offers. This gives you a chance to be paid back for something you’ve bought on your Lloyds Bank debit card every month up to £500. Visit lloydsbank.com/everydayoffers to register (for customers aged 18+).

† We don’t charge you for mobile alerts but your mobile operator may do, so please check.Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.

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I need an account that makes banking easy

Our Under 19s Account is a great way to look after your money

With your account you’ll get:

• Choice of either:

– Cashpoint card for accessing your money at ATMs only – both in the UK and abroad.

– Or a Lloyds Bank Visa debit card which you can use to pay for things in shops, on the Internet and to access your money at ATMs – both in the UK and abroad.

• Earn a variable rate of interest, paid quarterly, of 1.50% AER (1.49% Gross) on credit balances up to £2,500.*

• We do not pay credit interest on amounts over £2,500.

• Regular statements.

• Our mobile alerts service offers a simple way to stay on top of your finances without even having to think about it. So if we have a mobile number for you, we’ll help you keep an eye on your balance and much more.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs.

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Banking made easy

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Choosing the right card

Cashpoint card or Visa debit card

Cashpoint cardIf you only need a card to access money at cash machines, our Cashpoint card gives you access to our large and accessible ATM network in the UK and to ATMs abroad.

With your Cashpoint card you can withdraw up to £200 a day from a Lloyds Bank Cashpoint machine free of charge or from over 62,000 LINK cash machines (a charge may apply).

Visa debit card • You can use your Visa debit card in the UK

and abroad to make purchases. Fees apply if using your debit card abroad, see the Banking Charges guide for more details.

• If there isn’t enough money in your account to buy something, the transaction shouldn’t go through, as this Visa debit card is designed to make sure you can’t spend money you don’t have. If something does go wrong and your account goes overdrawn by mistake, we

won’t charge you and we’ll work with you to make sure your account is put right.

• You can take out up to £500 a day from a Lloyds Bank Cashpoint machine free of charge or from over 62,000 LINK cash machines (a charge may apply). And you can withdraw up to £300 from Post Office® branches and up to £100 cashback free of charge in most supermarkets.

Ways you can use your cards

Cashpoint

cardVisa debit

cardIn shops

Online

At an ATM

To get cashback

Over the phone

Abroad †

*

† At ATM’s only* Charges apply – please see our Banking Charges section in the

Personal Banking terms and conditions for more information.

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Cashpoint card or Visa debit card

It’s easy to use my new card

Discover everyday banking that’s simple – at home and abroad

What’s shown on your card1. Valid from – this is the date you can

start using your card.

2. Expires end – you won’t be able to use your card after this date – but we’ll automatically send you a new one before then.

3. Cardholder’s name – your name will appear here.

4. Card number – this is the unique long number across the front of your card.

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Lloyds Bank Visa debit card

If you have a Visa debit card on the back you’ll find seven numbers on the white signature strip where you sign your name. The last three digits of this code are usually needed when you shop online or over the phone. This code is sometimes described as your security code or CVV2 code.

Lloyds Bank Cashpoint card

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Using your card

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Using your card

Visa debit cardIt’s easy to make your everyday purchases, whether it’s cinema tickets or stationery supplies.

However, some transactions, like gambling, may be inappropriate for your age group, so your card will block your purchases in some shops or on some websites that it recognises as being potentially unsuitable.

If you want to change your card to one that doesn’t have this added protection you can ask for a replacement card in branch when you turn 16.

Chip and PINChip and PIN is when you enter your PIN into a keypad to buy something. Using it is simple:

• Insert your Visa debit card into a card reader or PIN pad and check the amount.

• Enter your PIN and the machine will check it’s correct and print you a receipt.

• On some occasions you’ll still need to sign for some of your purchases instead of using chip and PIN. For example when you’re travelling abroad.

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I’m sorted if I travel

Using your Visa debit card abroad

• Visa debit and Cashpoint card customers are able to use ATMs abroad to withdraw cash up to the equivalent of their UK withdrawal limit (£200 for Cashpoint cardholders, £500 for Visa debit cardholders).

• Visa debit card customers are also able to pay for things anywhere you see the Visa sign.

• Using your card abroad is more convenient and safer than carrying lots of cash around, plus you can withdraw local currency from any cash machine that displays the Visa sign.

You might want to let us know your travel dates and where you are going so that we know to expect overseas transactions on your account. Visit a branch or call us on 0345 300 0000 or online if you are registered for Internet Banking.

Charges apply to use your Visa debit card to withdraw cash in a currency other than sterling, or to withdraw cash in sterling or make a purchase outside the UK. Please see our Banking Charges section in the Personal Banking terms and conditions for full information.

Using your card

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I know all my numbers

Remembering your Personal Identification Number (PIN)

With your card comes a PIN. When you pay for something in a shop or take out money from a Cashpoint, you will need to type in your PIN. If you find it hard to remember the one we’ve given you, then you can change it to one that’s more memorable.

To change your PIN visit any Lloyds Bank Cashpoint and insert your card and current PIN. Then select ‘PIN services’ and follow the on-screen instructions.

If your card is lost or stolenYour Visa debit card or Cashpoint card is much safer to carry around than cash. But you must report any theft or loss of your card as soon as possible so that we can stop other people from using it.

• Call into any Lloyds Bank branch, or call the Lloyds Bank 24 hour Lost & Stolen Cards service on 0800 096 9779 in the UK, or +44 1702 278 270 from abroad.

We will usually send you another card within seven working days.

TOP TIP

Choose a number that’s special to you. It’s a good

idea to avoid birthdays and repeating the same number.

Remember, your PIN is secret.

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Remembering your PIN

I want an account that grows with me

When you turn 16 there are other benefits and services you can register for as part of your Under 19s Account.

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Benefits for the over 16s

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I feel relaxed about the future

Your Under 19s 16+ benefits

• Access to Telephone Banking.

• Continue to use Internet Banking.

• Continue to use our Mobile Banking service.

• Update your mobile number to benefit from mobile alerts.

• AA Driving School discounts worth over £75.

• Save the Change® – which makes saving easy.

• Unrestricted Visa debit card – when you turn 16 you can ask us for a replacement Visa debit card that won’t prevent age restricted purchases.

• Everyday Offers – when you reach 18 you can receive up to 15% cashback at the types of places you shop if you bank online. Merchant offers and cashback amounts vary.

*Your bank account will be debited in the same way as a cash withdrawal. Successful top-up transactions will reduce your £500 daily withdrawal limit.

TOP-UP YOUR MOBILE

You can use our free top-up service for ‘pay-as-you-go’

mobile phones at Lloyds Bank Cashpoint machines. Available

for the following networks: Orange, Vodafone, O2, Virgin

Mobile, Tesco Mobile and T-Mobile.*

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An account that grows with you

As I get older

How your account might change

• In the year of your 19th birthday, we will change your account to a Classic Account or similar account if we no longer offer a Classic Account.

• We will always write to you at least two months before to let you know what’s changing.

Everyday OffersWhen you reach your 18th birthday, you can benefit from Everyday Offers*.

Everyday Offers is an online service where you can earn up to 15% cashback using offers at the types of places you shop.

To register and see if any offers are waiting for you, log onto Internet Banking and select ‘Everyday Offers’ in the ‘get free add ons’ section of ‘Your accounts’.

It’s On UsWith It’s On Us, we reward your loyalty by giving you the chance to be paid back for something you’ve bought every month, up to £500 with your Lloyds Bank debit card.

You can activate It’s On Us when you view your Everyday Offers.

*To be eligible for Everyday Offers you will need to be over 18, have a Lloyds Bank UK personal current account, a Lloyds Bank debit and/or credit card and be registered for Internet Banking. To enter the It’s On Us free draw, you will need to be a UK resident (excluding NI) registered for Everyday Offers for up to one week and to have activated the It’s On Us offer. Merchant offers and cashback amounts vary. T&Cs apply

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An account that grows with you

I can view my spending 24/7

Keeping track of your money

Telephone, Internet and Mobile Banking are great for sorting out your everyday banking when you’re on the move any time of the day.

Internet Banking (available from 11 years)Get instant access to your account with Internet Banking, and with just a few clicks you can:

• Check your up-to-the-minute balance. • Pay your bills. • Transfer funds between your Lloyds Bank accounts.

• Set up, view and cancel standing orders. • Order your travel money.

PhoneBank® (available from 16 years)A fast and simple way to get in touch, with PhoneBank you can:

• Check your current balance.

• Pay your bills.

• Transfer money between your own accounts or to another person.

• Set up standing orders and check Direct Debits.

Please note that although you can give us instructions 24 hours a day, seven days a week through Internet Banking, Mobile Banking and PhoneBank some of those instructions cannot be processed until the next working day. For example if the instruction is given after 10pm or at weekends or Bank Holidays. Not all PhoneBank services are available 24/7, please speak to an adviser for more information.

Call us on 0345 300 0000.

Register for Internet Banking at lloydsbank.com or visit any Lloyds Bank branch.

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Keeping track of your money

Mobile BankingYou’re always close to your bank with our Mobile Banking app. It’s fast, convenient and more secure than ever. It’s the easiest way to stay on top of your money: • Bank where you want – at home or abroad,

at work or college, or just out and about • Be secure – the latest built-in security technology keeps your details safe and private

• Keep control – check balances, pay your friends and transfer money quickly when you need to.

You can also access your Lloyds Bank accounts through Internet Banking on your mobile browser – it looks great on internet-enabled mobiles.

Mobile AlertsIt’s important to monitor your account regularly to make sure you have enough funds to make any payments due. Our mobile alerts service offers a simple way to stay on top of your finances without even having to think about it. So if we have a mobile number for you, we’ll let you know when: • You’re nearing your limit. We’ll send

a message when your balance falls below £50.

• You don’t have enough to pay a standing order. If you’re able to move your money

from other accounts, you will have until 2.30pm (UK time) to pay in cleared funds in order to make any payments.

• You’ve reached your limit. You will only receive this message once when you first reach your limit and have zero available funds.

You can receive alerts abroad, but please check with your service provider for any charges you may incur.You can check if we have a valid number for you – or set one up – through Internet Banking, in a branch, or by calling us on 0345 300 0000. If you don’t want to receive alerts you can text STOP to 63338 to opt-out.If you opt-out you may miss important messages about your account so make sure you keep track of your balance and regularly check your statements through mobile banking, internet banking or phone banking.

Available to UK personal Internet Banking customers. Our app currently requires iOS 7.0 or above, or Android 4.1 or above, but the minimum operating system requirements may change in the future and does not work on jailbroken or rooted devices. Mobile alerts are sent before 10am UK time 7 days a week including Bank Holidays. This is a free service for all eligible current account customers. We won't charge you for this service, but if you receive texts while abroad, your network service provider may charge you. Terms and conditions apply.

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Keeping track of your money

I can easily keep track of my money

Money Manager is a free and easy-to-use Internet Banking service for keeping track of your money

Money Manager automatically breaks down most of your spending into meaningful categories (like entertainment, groceries and travel) to give you a better picture of your spending.

Once you have registered for Internet Banking you can use the service free of charge.

Money Manager can help you:

• Understand how much you are spending and where.

• Set up a savings goal and save for the things that you want.

• Keep track of your regular bills or payments.

• Create monthly budgets and track your progress.

Money Manager can be used with all your Lloyds Bank personal current and credit card accounts together.

In order to set up a savings goal you must have a Lloyds Bank savings account. Money Manager is provided free to help you manage your personal finances and is not intended to provide legal, tax or financial advice. There may be differences between descriptions shown on printed or online statements and Money Manager. Your printed and online statements remain the definitive record of your account. Transactions may appear earlier or later on your statements. You must be registered for Internet Banking. Further terms and conditions apply.

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Spending analysis

Categories %

Entertainment & Leisure 28% Groceries 25% Cash Withdrawals 24% Transportation 18% Clothing & Personal Care 3% Savings & Financial 2%

To register and start using this free service, visit lloydsbank.com/moneymanager

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Money Manager

Get a clearer view of what you’ve been spending

28%Entertainment

& Leisure

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Student AccountMoney Manager

Making the most of your account

Whether you’re at school or college, our Under 19s Account comes with a few extras thrown in too

As an Under 19s Account customer you’ll be able to take advantage of these driving discounts once you turn 17:

• Money off driving lessons – You can save £36 on AA driving lessons when you book your first block of 12 lessons – that’s £3 off each lesson.

• Free AA ‘Pass your Test’ CD-ROM – Just get your driving lessons booked and you’ll receive a CD-ROM to help you learn, worth £19.99.

• Money off ‘Pass Plus’ – After you pass, you can go on and save £20 on the cost of Pass Plus – the DSA recognised qualification for practical skills of a more advanced level, such as motorway and night driving.

AA learning to drive offer.This offer and any driving lessons purchased are provided by Automobile Association Developments Limited. Registered Office: Fanum House, Basing View, Basingstoke RG21 4EA. Registered in England and Wales No. 1878835. We do not accept liability for the provision of any services by the AA. We may change or withdraw these offers at any time, please check in branch to see what is currently available.

Call the AA Driving School on 0800 975 3679 quoting ‘LU192’ to redeem these offers. Lines open 8.30am to 8pm Monday to Friday and 9am to 5pm at weekends.

£75.99With the AA Driving School you could save up to

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Making the most of your account

I want to save every time I spend

Save the Change®

Register for Save the Change® and each time you buy something with your Lloyds Bank Visa debit card, and your account is in credit, the amount you spend will be rounded up to the nearest pound. The difference will then be transferred from your current account to an eligible Lloyds Bank savings account. You can use your own savings account or choose a friend’s or family member’s.

You need to be aged over 16 to register for Save the Change. If you’re under 16 it’s really easy for a parent or family member to register their eligible Lloyds Bank account for Save the Change and nominate their extra change into your savings account.

Save the Change® does not apply to over-the-counter cash advances, ATM withdrawals or fees charged for non-Lloyds Bank ATM transactions.

Register or get more details in branch, at lloydsbank.com or call us on 0345 300 0000.

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Save the Change®

I want to open an account

You only need £1 to open an Under 19s Account and we’ll help you complete your application in any branch

You’ll need to bring proof of your identity and address when you come to open an account. In most cases you will only need one of the documents below.

If you’re under 16 you’ll need to be accompanied by a parent or guardian, and they’ll need to bring ID and proof of their address too. If you’re over 16 you don’t need to be accompanied. You can also apply for an Under 19s Account online, however there are parental requirements and it's likely you will need to provide proof of your ID and proof of your address in branch. See www.lloydsbank.com for full details.

Which documents can you bring? • Valid photo driving licence or signed passport from the United Kingdom, or one of the following countries: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Netherlands, Norway, Poland, Portugal, Spain, Sweden.

• Valid passport with valid UK Visa issued by Australia, Canada, United States of America, New Zealand, South Africa or Japan.

If you’re under 18 we can accept other forms of ID, you will need to bring one document from each of the following lists:

• Proof of Identity – UK Birth Certificate, your Medical Card/certificate, National Insurance card/letter or Young Scots card.

• Proof of Address – a letter from your school or an introduction from an existing customer, for example, a parent or adult family member who has an account with us.

Please don’t worry if you don’t have any of these items, we may be able to accept other documents instead. Please check the following two lists.

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What happens next?

Proof of identity • All other valid signed passports with valid UK Visa.

• Valid UK non-photo driving licence.

• Benefits or pensions notification letter confirming your right to benefit.

• Blue Disabled Driver’s Pass.

Proof of address • Bank or building society statement (we don’t accept Internet statements).

• Utility bill (such as a gas, electricity or landline phone bill) dated within the last three months.

• Local authority tax bill for current year.

• Benefits or pensions notification letter confirming your right to benefit (if not already used as proof of ID).

• Tenancy agreement issued by solicitor, housing association, local council or reputable letting agency.

StatementsWe will send you regular statements through the post, but if you prefer to bank online you can have paperless, online statements sent directly to your inbox instead.

What to do once your account is openIf you ask for a Visa debit or Cashpoint card, you’ll receive this within five to seven working days after you’ve opened the account, along with a separate letter detailing your four-digit PIN (Personal Identification Number).

If you don’t have any of the items opposite,

we may be able to accept other items. For more information ask

in any branch or call us on 0345 300 0000.

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What happens next?

I’m in control of my account

Managing your money

Paying in money at any Lloyds Bank branchLots of people pay in over the counter, but to save time, you can use one of our depositpointsTM. Just use the special paying-in envelope and paying-in slip situated near the depositpointTM. We can even send you a personalised paying-in book with all your details to save you more time – just ask a member of staff for more information.

• All deposits at the counter will be processed immediately.

• All deposits made in depositpointTM before the cut-off time shown at the depositpointTM used will be processed the same working day.

• Any deposits made after that time or at weekends will be processed the next working day.

• All cash will be immediately available when processed and cheques will follow normal clearance timelines.

Please remember, weekends and Bank Holidays are not counted as working days.

Cheques can take up to six working days after we receive them for you to be sure the money will be available for you to use.

For more information about when cheques you pay in will be processed and the money can be accessed, please see the Personal Banking Terms and Conditions.

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Managing your money

Setting up a standing orderYou could ask your parents to set up a standing order from their bank account for your pocket money/allowance. This means that the money will be paid directly into your account and you’ll be able to take it out with your Visa debit card or Cashpoint card. Just give your parents your account number and sort code and they can arrange it for you.

Keeping your account safe against theft and fraudAlways be sure before you give your bank details to anyone else that you know who they are and why they need this information.

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Managing your money

Jargon buster

Understand all the words and phrases used when talking about your Under 19s Account

LINK cash machinesLINK is a UK network of cash machines. You can use your Visa debit or Cashpoint card to take out money from cash machines where you see the LINK sign.

CreditIf your account is in credit, it means that you have money available to spend. When money goes into your account this is known as being ‘credited’.

InterestIf you save money, you can often receive interest from the bank on the money you save.

ATMAn Automated Teller Machine (ATM) is a cash dispensing machine (or ‘hole in the wall’), which you find in many places including banks, shopping centres and railway stations. In order to be able to use

an ATM you need a Cashpoint or Visa debit card and a Personal Identification Number (PIN).

There is often a limit per day on your withdrawals. And some ATMs both in the UK and abroad may charge you for withdrawing money – see our Banking Charges section of the Personal Banking terms and conditions for more information on our fees.

DebitMoney which is taken out of an account is ‘debited from’ that account. When your account goes into debit it means you do not have money available to spend.

BalanceIs the amount of money you have in your bank or other account at any time (or the amount you owe on your credit or store card). It will be shown on your statement. ‘Balance brought forward’ is the balance that was left at the end of last month.

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Jargon buster

Our promiseOur promise is to do our best to resolve any problem you have immediately. Where we can’t, we’ll ensure you know who is dealing with your complaint.

To complain:

– Visit a branch and speak to any member of the team.

– Call us on 0800 072 3572 or 01733 462 267. (Textphone 0800 056 7614 or 01733 347 500, if you have a hearing impairment).

– Write to us at Lloyds Bank, Customer Services, BX1 1LT.

If you’re still not happy and we can’t put things right to your satisfaction, you can ask the Financial Ombudsman Service to look at your complaint – provided you have tried to resolve the matter directly with us first. We hope you won’t need to contact the Financial Ombudsman Service but if you do, we’ll tell you how to do this.

Important informationCalls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.

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 Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.ukEligible deposits with us are protected by the Financial Services Compensation Scheme. We are covered by the Financial Ombudsman Service.The Post Office® and Post Office logo are registered trademarks of the Post Office Ltd.

Cashpoint, PhoneBank® and Save the Change® are registered trademarks of Lloyds Bank plc, depositpoint™ is a trademark of Lloyds Bank plc.

Information correct as of November 2017.

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Open an Under 19s Account

£Go to lloydsbank.com/Under19s

uVisit your local branch

If you'd like this in another format such as large print, Braille or audio CD please ask in branch.

If you have a hearing or speech impairment you can contact us using the Next Generation Text (NGT) Service or via Textphone on 0345 300 2281

(lines are open 24 hours a day, 7 days a week).

If you're Deaf and a BSL user, you can use the SignVideo service available at lloydsbank.com/accessibility/signvideo.asp

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