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Last updated March 2014
Your information will be held by Lloyds Bank International Limited, Lloyds Investment Fund Managers Limited, Lloyds Bank (Gibraltar) Limited, Lloyds Management (Channel Islands) Limited, Lloyds Trust Company (Channel Islands) Limited, Lloyds Trust Company (Gibraltar) Limited, Lloyds Bank plc Jersey branch and Bank of Scotland plc Isle of Man Branch which are part of the Lloyds Banking Group.
More information on the Group can be found at www.lloydsbankinggroup.com.
Your personal information will be held securely in Lloyds Banking Group systems (including systems in the UK) so that we and any other companies in our Group that you have dealings with, either now or in the future, can manage your relationship with us. This will include information you provide when you apply to us, and any additional information provided by you or others in various ways, including:
We will not retain your personal information for longer than is necessary for the maintenance of your account, or for legal or regulatory requirements.
We may share the personal information we hold about you across the Lloyds Banking Group (which includes companies in the UK) for the following administrative activities:
By sharing this information it enables us, and other companies in the Lloyds Banking Group, to better understand your needs and run your accounts in the efficient way that you expect.
Your data may also be used for other purposes for which you give your specific permission, or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Regulations.
We will treat your personal information as private and confidential, but may share it with each other and disclose it outside the Lloyds Banking Group if:
We will always ensure your information remains safe and secure.
When you apply for credit, an automated system known as credit scoring may be used when considering whether to agree the borrowing. It is a method of assessing your likely conduct of an account based on a range of data, including the conduct of previous similar accounts. It is a system widely used by credit providers to help make fair and informed decisions on lending.
Credit scoring takes account of information from three sources - the information you provide on your application, information provided by credit reference agencies and information that may already be held about you by companies in the Lloyds Banking Group. A credit scoring system will consider information from these sources, to make an overall assessment of your application.
The credit scoring methods used are regularly tested to ensure they remain fair, effective and unbiased. Using a credit scoring system helps our Group companies to lend responsibly. If you submit an application and it is declined through this automated process, you can contact us within 21 days to have the decision reconsidered. You also have the right to ask that the decision is not made based solely using a credit scoring system.
Credit Reference Agencies (CRAs) collect and maintain information about consumers' and businesses' credit behaviour. This includes Electoral Register, fraud prevention, and credit information - including details of previous applications and the conduct of your accounts - and public information such as County Court judgements, decrees, and bankruptcies.
The information that Lloyds Banking Group companies and other organisations provide to CRAs about you, your financial associates and your business (if you have one) may be provided to other organisations and used by them and us to:
If a Lloyds Banking Group company needs to make a credit decision when you apply for a credit-based product or service (e.g. mortgage, personal loan, credit card, or current account) or to review the amount of credit it provides under an existing agreement, such as an overdraft, your records will be searched, along with those of anyone who is financially associated with you such as your spouse or partner. The CRA will keep a record of this search and place a "footprint" on your credit file, whether or not the application proceeds.
We may give details of your account and how you conduct it to CRAs, including if you borrow and do not repay in full and on time. If you fall behind with your payments and a full payment or satisfactory proposals are not received within 28 days of a formal demand being issued, then a default notice may be recorded with the CRAs. Similar information may also be given about your other lending/credit relationships with members of our Group. Any records shared with CRAs will remain on file for 6 years after your account is closed, whether it has been settled by you or as a result of a default. Other organisations may see these searches and updates if you apply for credit in the future, and these may affect your ability to borrow from other lenders.
If you apply for or hold an account in joint names, or tell us that you have a spouse or financial associate, a financial association will be created between your records, including any previous and subsequent names used by you. This means that your financial affairs may be treated as affecting each other. These links will remain on your and their files until such time as you or your spouse or financial associate is successful in applying for a disassociation with the CRAs to break that link. You must be sure that you have their agreement to disclose information about them. Searches may be made on all joint applicants, and search footprints will be left on all applicants’ records.
You have a right to apply to the CRAs for a copy of your file.
We carry out most of our credit searches using Experian, but details of how you have run your account(s) may be disclosed to all CRAs. The information they hold may not be the same and there is a small fee that you may need to pay to each agency that you apply to. The addresses for the CRAs used in the Channel Islands and Isle of Man are detailed below, or, if you are resident elsewhere, please contact us.
For Channel Islands and Isle of Man their addresses are:
For Jersey and Guernsey we may also use one of the following:
We have systems that protect our customers and ourselves against fraud and other crime. Customer information can be used to prevent crime and trace those responsible. We will share your personal information from your application with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, details of this fraud will be passed to these agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
Please contact us on 0845 602 7174 if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Making sure we deliver excellent customer service is very important to us and to do this various methods of communication may be used when sending you information about your account. Most of the time you will be contacted by letter or telephone, but you may also be sent updates by text message (where that service is available) or email when it is believed to be appropriate. You can ask us to stop sending these messages at any time. Additionally, in extraordinary circumstances (such as natural disaster or civil unrest) we may also send you updates by text message (where that service is available) or email. If we decide to use email to contact you, we will only do this if we have ensured that using email will not put your information at risk, or, if you have requested we email you, that we have explained the risks of sending an "insecure" email and that you are happy to accept that risk.
In addition you may wish to choose a channel of communication that suits you when you need to contact us. If you need to email a Lloyds Banking Group company, we recommend you check their website to see if a secure email facility exists so that your email can be sent securely. If you send us emails in other ways, such as from your personal account, then remember that the message may not be secure and there is a risk that it could be intercepted. If you choose to send an "insecure" email, please keep the amount of confidential information you include to a minimum.
Under the Data Protection Regulations you have the right of access to your personal data. The Data Protection Regulations allow us to charge a fee of £10 for this service. If anything is inaccurate or incorrect, please let us know and we will correct it. For further details on how to request a copy of your information, please contact:
Unless you have asked us not to, we and other Lloyds Banking Group companies may contact you by mail, telephone, email or text message (where that service is available) about products and services available from the Group. In addition we may also contact you about products and services from selected companies outside the Group, which we believe may be of interest to you or benefit you financially.
We promise not to contact you about everything - only if we think it could be appropriate and relevant to you, such as preferential savings opportunities, account upgrades or special offers. This contact may continue after your relationship with us ends. You may opt out of receiving this information at any time by calling us, writing to us or contacting your local branch.
In general, you can visit Lloyds Banking Group websites without identifying who you are or revealing any information about yourself. However, cookies are used to store small amounts of information on your computer, which allows certain information from your web browser to be collected. Cookies are widely used on the internet and do not identify the individual using the computer, just the computer being used. Cookies and other similar technology make it easier for you to log on to and use our websites during future visits.
Visit our cookie notice page for access to our cookie notice.
Organisations in the Channel Islands, Isle of Man and Gibraltar must lodge a notification with the Data Protection Commission in the relevant Channel Island or the Data Protection Supervisor in the Isle of Man, or the Gibraltar Regulatory Authority as appropriate, describing the purposes for which they process personal information. The details are publicly available from the relevant authority and you can view ours at:
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Our services are offered by Lloyds Bank International Limited, Lloyds Bank (Gibraltar) Limited & Lloyds Investment Fund Managers Limited.
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Important notice: From 31st January 2014, reference to the registered office address for Lloyds Bank (Gibraltar) Limited on our website, online system or literature should read as follows: Royal Ocean Plaza, Ocean Village, Gibraltar, GX11 1AA
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