• FIXED TERM DEPOSITS

    FIXED TERM SAVINGS IN STERLING, EURO AND US DOLLAR

  • Benefits

    • Earn a fixed interest rate for 1 year 
    • Know exactly how much you'll earn 
    • Available in Sterling, Euro and US Dollar 
    • Other terms and currencies available when you call us 
  • Need to know

    • Minimum deposit: £10,000/€10,000/US$10,000
    • No withdrawal until the end of the term. See Important Information below
    • We will open a servicing account to pay your yearly interest in
    • Accounts are domiciled in the Isle of Man or Gibraltar depending on your country of residence
    • Available in many countries but not all. See eligibility below
    Apply now
  • Need help?

    From the UK, call:
    0800 055 6358

    Outside the UK, call:
    +44 (0) 1624 641 825

  • Overview
  • Eligibility
  • Charges & fees
  • Terms & conditions
  • FAQ

Overview

  • Sterling

     
    AccessAt the end of the term
    Term1 year
    Annual interest rate (AER /Gross)1.10% Fixed
    Minimum deposit£10,000
    Maximum deposit£5,000,000

    Euro

     
    AccessAt the end of the term
    Term1 year
    Annual interest rate (AER/Gross)0.30% Fixed
    Minimum deposit€10,000
    Maximum deposit€5,000,000

    US Dollar

     
    AccessAt the end of the term
    Term1 year
    Annual interest rate (AER/Gross)0.75% Fixed
    Minimum depositUS$10,000
    Maximum depositUS$5,000,000
  • Important information:

    • We will open a fee-free servicing account (Money Market Call Account) to allow you to:
      • Make your initial deposit
      • Withdraw your money at the end of the term
       
    • You can't withdraw your money before the end of the fixed term. We will take your circumstances into account and may make an exception in a special case but there will be a charge and you may potentially lose some of your capital deposited.
    • No additional deposits are allowed
    • The interest rates advertised are not fixed until receipt of your deposit and any supporting documentation required to open your Fixed Term Deposit.  
    • At the end of the term your capital and interest will be paid into your servicing account

    Definitions:

    • Gross rate: is the contractual rate of interest payable before deduction of income tax at the rate specified by law.
    • AER rate stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
    Apply now

Eligibility

  • You're eligible if:

    • You are aged 18 or over.
    • You can deposit a minimum of £10,000 / US$10,000 / €10,000 in the account.
    • Depending on legislation and regulations of the country you live in, we may not be able to offer you this account.
    Check eligibility

Charges & fees

  • There is no fee for opening and holding a Fixed Term Deposit.

FAQ

    • What term lengths can I choose from for Fixed Term Deposits?

      We offer 1 year Fixed Term Deposits in Sterling, Euro and US Dollar currencies. Other terms are available on request.
    • How can I pay money into my Fixed Term Deposit?

      We will open you a Call Account for each currency you hold a Fixed Term Deposit in but you don't need to maintain the usual minimum deposit in this account. It just allows you to deposit money into your Fixed Term Deposit and withdraw it at maturity.
    • Is the interest rate fixed for the entire length of my term

      Yes, the interest rate is fixed for the whole term of your Fixed Term Deposit. Any subsequent changes in the interest rate will only affect new Fixed Term Deposits.
    • Can I access my money in case of emergency?

      You can't withdraw your money before the end of the fixed term, though we will take your circumstances into account and may make an exception in a special case but there will be a charge and you may potentially lose some of your capital deposited.

Our International services are offered by Lloyds Bank International Limited, Lloyds Bank (Gibraltar) Limited & Lloyds Investment Fund Managers Limited. See company Information.

Lloyds Bank International Limited.  Registered office and principal place of business: P.O. Box 160, 25 New Street, St. Helier, Jersey JE4 8RG. Registered in Jersey, number 4029. Regulated by the Jersey Financial Services Commission. We abide by the Jersey Code of Practice for Consumer Lending.

Lloyds Bank (Gibraltar) Limited.  Registered office and principal place of business: Royal Ocean Plaza, Ocean Village, Gibraltar, GX11 1AA. Registered in Gibraltar, no 99982. Regulated and authorised by the Gibraltar Financial Services Commission for the conduct of banking, investment and insurance mediation business.

Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited are wholly owned subsidiaries of Lloyds Bank plc. Lloyds Bank plc is incorporated in the United Kingdom, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278, and is part of the Lloyds Banking Group. Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited place funds with Lloyds Bank plc and thus their financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited and their parent based upon publicly available information. Download Lloyds Bank International Limited’s latest annual financial statements. Lloyds Bank (Gibraltar) Limited’s latest annual financial statements are available through Companies’ House in Gibraltar at www.companieshouse.gi

Lloyds Investment Fund Managers Limited. Registered office: PO Box 160, 25 New Street, St Helier, Jersey JE4 8RG.  Authorised by the Jersey Financial Services Commission under the Collective Investment Funds (Jersey) Law 1988.