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  • Benefits

    • Choice of Euro, Sterling and US Dollar with a Visa debit card for each currency (monthly fee applies)
    • Fee free international payments and transfers from overseas
    • 24/7 worldwide access to your money with Internet Banking and PhoneBank
  • Need to know

    • A monthly fee applies of £7.50/€8/US$10
    • Recipient and corresponding banks may charge a fee for receiving payments
    • Accounts are domiciled in the Isle of Man or Gibraltar depending on your country of residence
    • Sterling accounts are exclusively provided by Lloyds Bank International Limited.
    • Available in many countries but not all. See eligibility below.

    Compare current accounts 

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  • Need help?

    Mon - Fri 8am - 5pm UK time. Calls may be monitored/recorded.

Overview
  • Our International Current Account offers:

    • A choice of three currencies  so you can spend without paying exchange fees (Euro, Sterling and US Dollar)
    • Free international payments:  we won't charge you for sending or receiving international money transfers. However recipient and corresponding banks abroad may charge a fee for receiving payments.
    • Visa debit cards in all 3 currencies for easy worldwide access to your money
    • A monthly fee of £7.50/€8/US$10 will apply. Only one fee applies for multi-currency accounts.
    • Access your salary, pay bills or send money back to your family
    • 24/7 Internet Banking and PhoneBank
    • 0% credit interest.
Eligibility
  • Account eligibility

    • To be eligible you need a gross annual income (The amount you receive before tax) of £50,000 or currency equivalent .
    • For joint accounts  at least one of the applicants needs a gross annual income of that amount.
    • Alternatively you can also be eligible if you have £25,000 (or currency equivalent) to save or invest  (solely or jointly) with Lloyds Bank international banking services.
    • You also need to make an initial deposit into your account within 30 days of opening.  
    • Depending on legislation and regulations of the country you live in, we may not be able to offer you this account.  
    Check eligibility
Interest Rates
  • Sterling accounts: no interest paid

    Euro accounts: no interest paid

    US Dollar accounts: no interest paid

    All interest rates are variable and subject to change.

Charges & Fees
  • Using your International Current Account
    • A monthly fee of £7.50 will apply, or currency equivalents of €8 or $10.
      Note: No monthly fee is charged for the first three months, except where the account has been converted from a Premier International Current Account.
    • Only one fee applies if you have multiple accounts.
    Account currencyMonthly fee
    Sterling£7.50 per month
    US Dollar$10 per month
    Euro€ 8 per month

    If you are opening more than one International account in the same name(s):

    The following rules for charging apply for accounts opened in the same name(s) if you haven't told us which account to take the fee from:

    • £ Sterling and US Dollar Accounts – £7.50 fee will be taken from your Sterling account
    • £ Sterling and Euro Accounts – £7.50 fee will be taken from your Sterling account.
    • US Dollar and Euro Accounts – $10.00 fee will be taken from your US Dollar account
    • £ Sterling, US Dollar and Euro Accounts – £7.50 fee will be taken from your Sterling account
    • If you open more than one sole account, only one fee is payable
    • If you open more than one joint account in the same names, only one fee is payable
    • If you open more than one joint account in different names, then fees are payable on all accounts
    • If you open a sole account and a joint account, a fee is payable on both accounts
    Operating your International Current Account

    Planned and unplanned overdrafts

    Sterling international accounts  (rates correct as of 05/09/2013)

    Planned overdrafts
    (by prior arrangement, Sterling accounts only)
    Up to £200 : no interest charged

    Over £200 : Monthly interest at 1.23% (EAR 15.8%)
    Unplanned overdrafts
    Sterling international accounts
    Sterling international accounts monthly Interest at 1.23% (EAR 15.8%)
    Monthly fee of £15
    Maximum of one monthly fee charged in a monthly billing period
    Daily fee
    Sterling international account

    When your Unplanned Overdraft balance is:  

    Less than £25 : £6 a day

    £25 - £100 : £15 a day

    More than £100 : £20 a day

    Notes:
    1. How much we lend (if any) is subject to our assessment of your personal circumstances. Overdrafts are also repayable on demand.
    2. For the International (Sterling) Account the EAR quoted does not take into account the monthly fee. The Planned and Unplanned Overdraft borrowing rate EAR is calculated on the same basis. EAR stands for Equivalent Annual Rate. APR stands for Annual Percentage rate.

    Currency accounts

    Unplanned overdrafts on currency accounts
    Annual equivalent rate

    EuroUS Dollar
    5.00% + European Central Bank Rate (ECB rate)5.00% + Federal Funds Rate (FED rate)

    Please contact us  for the latest rates or for further information on Unplanned Overdraft charges for these accounts.

    For more information on overdraft charges on sterling International Accounts, download our Overdrafts Rates and Charges guide .

    Using your International debit card

    Current Charges and Fees

    Currency of the Premier debit cardFee for issuing the cardCurrency conversion fee*Cash withdrawalsATM limit
    SterlingFREE with international accounts2.99%£1.50^£500
    US DollarFREE with international accounts2.99%1.5%$750
    EuroFREE with international accounts2.99%1.5%€750

    ^The Sterling Cash withdrawals fee for withdrawals of Euro inside the EEA was removed from 13th December 2019.

    • Fees taken from the account used for the chargeable transaction
    • The conversion fee only applies when the transaction is in different currency to that of the card. For example, there is no currency conversion fee when you use a US Dollar Debit Card to draw US Dollars in cash, or to purchase goods and services in the United States
    • The European Economic Area (EEA) means the countries in the European Union plus Iceland, Norway and Liechtenstein.
    Sending funds
    International Moneymover Service*Free:
    • Through Internet Banking
    • Through International PhoneBank, in branch, or in writing
    • Through Standing Order
    • To your other accounts held with Lloyds Banking Group
     
     
    Correspondent Bank Fee*Zone 1 (USA, Canada and Europe)£12
    Zone 2 (Rest of the world)£20
    (Note: For the purposes of the Correspondent Bank Fee, Europe is defined as all EEA countries plus Jersey, Guernsey, Isle of Man, Monaco, San Marino and Switzerland)
    Electronic Funds Transfer
    (CHAPS payments within the British Isles)
    £30 
    Recalling a payment

    We cannot guarantee the cancellation as funds may already have been paid to the beneficiary.

    Lloyds Bank International do not charge customers to recall a payment, however any return of funds may be subject to deductions in the form of

    • Beneficiary bank or other institutions return payment fees
    • Foreign bank charges
    • Foreign exchange fluctuations

     

     

    * When making an International Payment there are two charging methods:

    Split Charges: Recipient and Correspondent banks abroad may charge a fee for receiving payments which will be paid by the recipient if you choose to share charges.

    Pay all Charges: A Correspondent Bank Fee will be payable for international payments where you choose to pay the charges for the recipient, if you are permitted to do so based upon the destination of the payment and the type of account that you hold. The Correspondent Bank Fee replaces all Correspondent bank charges. The recipient bank may still charge its customer a fee but we cannot provide information about such a fee. The amount of the Correspondent Bank Fee depends on the location of the recipient bank.

    Receiving funds

    Electronic Bank Transfer from another financial institutionFree
    Cheque Collections

    Cheques up to £100 : £5

    Cheques of £100 and above:
    25p per £100 (min £15, max £80 per cheque)

    Cheque negotiation to Sterling account
    The correspondent bank may impose an additional charge based on the value of the cheque.

    Cheques up to £100 : £5

    Cheques of £100 and above:
    25p per £100 (min £15, max £80 per cheque)

    Cheques in a foreign currency drawn in a different country
    (e.g. US Dollars drawn in France, but not UK):
    25p per £100 (min £10, max £80 per cheque)

    Cheque negotiation to current account
    The correspondent bank may impose an additional charge based on the value of the cheque.

    Cheques in the same currency as the account : £2 per cheque

    Cheques requiring currency conversion : £4 per cheque

    Other standard services

    Supplying copies of previous bank statements£5 per sheet (maximum of £10)
    An administration charge may be made for excessive requests
    Returned item fee£20 for each unpaid item. We will charge you up to a maximum of three fees a day.

Terms & Conditions

Lloyds Bank Corporate Markets plc is authorised and regulated in the UK as the non-ring fenced bank of the Lloyds Banking Group. The Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc are each separately licensed as regulated deposit-takers in their respective jurisdictions. Lloyds Bank Corporate Markets plc is independent from Lloyds Bank plc, which is authorised and regulated in the UK as the ring fenced bank of the Lloyds Banking Group. For more information on ring-fencing visit international.lloydsbank.com/ringfencing/.

Lloyds Bank (International Services) Limited, a Jersey registered and regulated bank, is a subsidiary of Lloyds Bank Corporate Markets plc, a UK Non-ring-fenced Bank. Both companies are part of Lloyds Banking Group plc. They are independent from Lloyds Bank plc which is Lloyds Banking Group’s ring-fenced UK regulated retail and commercial bank. For more information on ring-fencing visit international.lloydsbank.com/ringfencing.

Our International services are offered by Lloyds Bank Corporate Markets plc & Lloyds Bank (International Services) Limited. See Company Information. Whilst our services will be available to many customers, there are countries where, due to legal or regulatory restraints, we cannot provide them.

Rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of depositors and investors, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the Lloyds Banking Group carried out from offices outside of the United Kingdom.

Lloyds Bank Corporate Markets plc. Registered Office and principal place of business: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 10399850 with company number 10399850. Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.

Services provided by the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc will be subject to the regulatory regime applicable in their respective jurisdiction, which will differ in some or all respects from that of the UK. Further information about the regulatory status of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc, is set out below.

The Jersey branch of Lloyds Bank Corporate Markets plc, principal place of business 11-12 Esplanade, St Helier, Jersey JE2 3QA, is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and general insurance mediation business under the Financial Services (Jersey) Law 1998 and has also notified the Jersey Financial Services Commission that it carries on money service business. Lloyds Bank Corporate Markets plc, Jersey Branch, subscribes to the Jersey Code of Practice for Consumer Lending.

The Guernsey branch of Lloyds Bank Corporate Markets plc, principal place of business PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, is licensed by the Guernsey Financial Services Commission to take deposits and insurance intermediary business under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, and the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.

The Isle of Man branch of Lloyds Bank Corporate Markets plc, principal place of business PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ, is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and is also registered as an insurance intermediary in respect of general business.

Lloyds Bank International is a trading name of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc.

The paid up share capital and reserves of Lloyds Bank Corporate Markets plc was £4.3bn as at 31 December 2019 . Copies of our terms and conditions are available on request from the above registered office. View the latest report and accounts (PDF, 998kB).

Lloyds Bank Corporate Markets plc, Jersey Branch trading as Lloyds Bank International is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. Eligible deposits are deposits held by private individuals and charities. Depositor protection does not extend to corporations, small to medium sized enterprises, partnerships and trusts. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs or on request.

Lloyds Bank Corporate Markets plc, Isle of Man Branch trading as Lloyds Bank International is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010.

The Isle of Man branch of Lloyds Bank Corporate Markets plc is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010, as amended (the “Isle of Man Scheme”). The Isle of Man Scheme offers protection for ‘eligible protected deposits’ of up to £50,000 (which includes deposits by most individual persons but does not, for example, include trustees or nominees) or £20,000 for most other categories of depositor, subject to certain rules and limitations set out in the Isle of Man Scheme. The maximum total amount of compensation covered by the Isle of Man Scheme is £200,000,000 in any consecutive ten year period. Further details of the Isle of Man Scheme are available on the Isle of Man Financial Services Authority’s website and on request.

Lloyds Bank Corporate Markets plc, Guernsey Branch trading as Lloyds Bank International is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details are available on the Scheme’s website: www.dcs.gg or on request from telephone: +44 (0) 1481 722756 or post: P.O. Box 33, St Peter Port, GY1 4AT.

Deposits are not covered by the Financial Services Compensation Scheme under the Financial Services and Markets Act 2000 in the United Kingdom.

Deposits with the Guernsey branch of Lloyds Bank Corporate Markets plc will not be covered by any equivalent deposit compensation scheme to the Guernsey Banking Deposit Compensation Scheme in any other jurisdiction.

Complaints involving the Isle of Man branch of Lloyds Bank Corporate Markets plc that it cannot settle should be referred to the Financial Services Ombudsman Scheme in the Isle of Man. Complaints involving the Jersey and Guernsey branches of Lloyds Bank Corporate Markets plc that it cannot settle should be referred to the Channel Islands Financial Ombudsman.

Rules and regulations made under the Financial Services and Markets Act 2000 for the protection of investors, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the Lloyds Banking Group carried out from offices outside of the United Kingdom.

Lloyds Bank (International Services) Limited. Registered office and principal place of business: 11-12 Esplanade, St Helier, Jersey, JE2 3QA. Lloyds Bank (International Services) Limited is incorporated in Jersey No. 128655 and is regulated by the Jersey Financial Services Commission to carry on deposit taking business under the Banking Business (Jersey) Law 1991. Lloyds Bank (International Services) Limited has also notified the Jersey Financial Services Commission that it carries on money services business.

Lloyds Bank (International Services) Limited is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. Eligible deposits are deposits held by private individuals and charities. Depositor protection does not extend to corporations, small to medium sized enterprises, partnerships and trusts. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs or on request.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.

Lloyds Bank (International Services) Limited is a wholly owned subsidiary of Lloyds Bank Corporate Markets plc. Lloyds Bank Corporate Markets 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 763256, and is part of the Lloyds Banking Group. Lloyds Bank (International Services) Limited places funds with Lloyds Bank plc and Lloyds Bank Corporate Markets 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 Corporate Markets plc and Lloyds Bank (International Services) Limited and their respective parent company based upon publicly available information. Lloyds Bank Corporate Markets plc and Lloyds Bank (International Services) Limited's latest annual financial statements are available on our website at http://international.lloydsbank.com/legal-information/.

The paid up capital and reserves of Lloyds Bank (International Services) Limited was £35.6m at 31 December 2019. Copies of our terms and conditions are available on request from the above registered office. The latest report and accounts can be downloaded from http://international.lloydsbank.com/legal-information/.

View our information on how to complain.

Legislation or regulations in your home jurisdiction may prohibit you from entering into such a transaction with us. We reserve the right to make final determination on whether you are eligible for any products or services. Residents or Nationals of certain jurisdictions may be subject to exchange controls and should seek independent advice before entering into any transactions with us.