Account Services and Charges
We can offer you a wide range of services. Any charges for routine transactions on your account will always be agreed with you in advance, and we will give you a minimum of 30 days notice of any increase in charges, except for changes in Lloyds Bank Base Rate. There is no standing charge on your current account.
Domestic Charges
The domestic tariff charges for our most commonly used services are set out below.
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Tariff per item
Cheque paid out
Tariff per item
59p
Direct Debit
Tariff per item
40p
Standing Order
Tariff per item
50p
Transfer to another account in your name with a sort code starting 30-XX-XX
Tariff per item
FREE
Unpaid cheque, Standing Order or Direct Debit returned due to lack of funds*
Tariff per item
£30
Cash withdrawal by debit card at any Lloyds Bank Cashpoint®
Tariff per item
No charge
Cash withdrawal by debit card at another bank's ATM
Tariff per item
42p
Other debits including CHAPS and Faster Payments** payments
Tariff per item
59p
* If we have to return one of your cheques, standing orders or Direct Debits due to lack of funds we will make a charge. If we are unable to pay an item for a technical reason i.e. a cheque is out of date we will advise you, but not make a charge.
** Electronic transfer schemes for sending payments. This charge applies to posting the transaction to your account and not the charge associated with the transmission of the payment.
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Tariff per item
Credit paid in at any Lloyds Bank branch
Tariff per item
75p
Credit paid in at another branch
Tariff per item
75p
Credit paid in via a night safe
Tariff per item
£2.75
Charge per cheque (non-bulk) paid in
Tariff per item
28p
Automated credits (including Faster Payments)
Tariff per item
15p
Transfer from another account in your name with a sort code starting 30-XX-XX
Tariff per item
FREE
Other credits including CHAPS receipts
Tariff per item
75p
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Establishment of Direct Debits
No charge
Establishment of Standing Orders
No charge
-
Tariff
Borrowing
Tariff
Both the loan terms and rates
Tariff
By agreement
Overdraft interest rate
Tariff
Borrowing within your agreed facility
Tariff
By agreement
Borrowing above your agreed facility
Tariff
22.5% over Bank of England Bank Rate
Arrangement fee
Tariff
Fee charged for agreeing and arranging a loan or overdraft
Tariff
The standard fee is 1.5% (minimum £300)
A fee will also be charged on renewal of overdraft facility
Tariff
The renewal fee is 1% (minimum £300)
Security fee
Tariff
The costs involved in completing any security will be recovered from you
Tariff
A scale of charges is available on request
Management fee
Tariff
Management fees will be charged for any additional work incurred when dealing with your business needs. This fee will be agreed with you in advance
Tariff
By agreement
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Tariff per item
Banker's Draft
Tariff per item
£10
A cheque raised by the Bank to guarantee payment
Tariff per item
Special cheque presentation
Tariff per item
A cheque paid into your account, sent direct to another branch or bank for payment
Tariff per item
£10 inclusive of VAT
Manual Instructions
Tariff per item
CHAPS payment
Tariff per item
£30
Statements
Tariff per item
You will receive a regular statement of your account
Tariff per item
No charge
Interim statements
Tariff per item
Can be ordered from a branch or service centre
Tariff per item
£3
Can be ordered from a Cashpoint® machine
Tariff per item
No charge
Copy statements
Tariff per item
Last statement (if lost or not received)
Tariff per item
No charge
Earlier statement
Tariff per item
£5 per sheet
Statement posted to multiple addresses
Tariff per item
£1 per additional sheet
Vouchers with statements
Tariff per item
If you require us to return some or all of your vouchers with your statements
Tariff per item
£6 per sheet
Audit letter
Tariff per item
Details of balances and other information provided, with your authority, to your accountant
Tariff per item
£25 per account plus VAT
Banker's reference/Status enquiry
Tariff per item
£10.21 inclusive of VAT
Standing Orders and Direct Debits
Tariff per item
For a list of your Standing Orders and Direct Debits
Tariff per item
No charge
Bacs
Tariff per item
Setting up a new Bacs Service User Number
Tariff per item
£250 minimum for application including Direct Debit
£150 for Direct Credit only application
Bacs file submitted
- via own software or Commercial Bureau
- multi processing file submission and for each individual day section
Tariff per item
£4
Bacs– debit or credit item
Tariff per item
10p
Bacs – setting up a new Direct Debit request
Tariff per item
10p
Bacs recall
Tariff per item
£5 per recall
Bacs trace
Tariff per item
£5 per trace
Smart Card
Tariff per item
New, replacement or renewal Smart Card used to secure direct submission of files to Bacs
Tariff per item
£30 per Smart Card plus VAT
Hardware Security Module (HSM) Certificate
Tariff per item
£500 per HSM plus VAT
Telepay – debit or credit item
Tariff per item
32p
Bacs or Telepay excess
Tariff per item
You can use a range of electronic payment systems, which require a payment limit. However, we will charge you on each occasion that you exceed your limit without prior agreement
Tariff per item
£50
Provision of sweep facilities
Tariff per item
Transaction charge for transfer of funds between the business current account and other accounts
Tariff per item
No charge
Sweep, also known as auto transfers
Tariff per item
Daily: £10 per month
Weekly: £7 per month
Monthly: £5 per month
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Tariff per item
Cash paid in over the counter or received by post
Tariff per item
53p per £100
Cash paid out over the counter at any Lloyds Bank branch
Tariff per item
53p per £100
Cash exchanging
Tariff per item
£2 per £100
Recall of automated credit standing order
Tariff per item
£5
Stopped cheque
- if not lost or stolen, your instruction to us not to pay a cheque you have issued
- if the cheque has been lost or stolen.
Tariff per item
£10
No charge
SWIFT Data Reporting
Tariff per item
Please contact your Relationship Director
Provision of a debit card
Tariff per item
No charge
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If a cheque credited to your account is returned to us unpaid by another bank or branch, for any reason, we will debit your account, advise you and either return it to you or present it again for payment
No charge
International charges
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Typical tariff per item
Currency accounts
Typical tariff per item
Maintenance fee (includes transfer to/from sterling account)
Typical tariff per item
£5 per month
Cash paid in or out
Typical tariff per item
£2 per £100 (minimum £3) plus £10 administration fee
Cheque paid
Typical tariff per item
£5
Other
Typical tariff per item
Status enquiries
Typical tariff per item
£20 each (including VAT)
Telex request (optional)
Typical tariff per item
An additional £10 each (including VAT)
Letters of introduction
Typical tariff per item
£20 each (including VAT)
SWIFT Data Reporting
Typical tariff per item
Please contact your Relationship Director
Note: Where the transaction is in a different currency from the account (including sterling) the appropriate rate of exchange will be advised to you at the time of the transaction.
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Typical tariff per item
Bank transfer
Typical tariff per item
A handling charge will be deducted unless the person sending the money has elected to pay this
Typical tariff per item
- Up to £100, £2
- Over £100, £7
Cheque negotiation
Typical tariff per item
We retain the right of recourse if the cheque is later returned unpaid
Typical tariff per item
- Up to £100, £5
- Over £100, 25p per £100, per currency, per country (minimum £8; maximum £80)
Cheques expressed in a different currency from the country upon which the cheque is drawn. There will be an interest charge for the number of days Lloyds Bank is out of funds for cheques expressed in sterling drawn on a country other than the UK
Typical tariff per item
- Up to £100, £5
- Over £100, 25p per £100, per currency, per country (minimum £8; maximum £80)
Cheque collection
Typical tariff per item
Depending on the country involved, collection can take from a few days to over a month – the charge is taken whether the cheque is paid or not
Typical tariff per item
- Up to £100, £5
- Over £100, 25p per £100, per cheque (minimum £15; maximum £80).
Unpaid cheques
Typical tariff per item
For negotiations the value of the cheque will be debited to your account using the prevailing exchange rate. This means that the amount debited to your account may differ to the amount originally credited. Note: Where the transaction is in a different currency from the account (including sterling), the appropriate rate of exchange will be advised to you at the time of the transaction.
Typical tariff per item
£5 handling charge
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Typical tariff per item
Charges apply to payment instructions submitted directly to a Service Centre. For details of our tariff for payments submitted electronically, please contact your relationship manager.
Typical tariff per item
Standard International Moneymover
Typical tariff per item
For less urgent payments (excluding euro) – normally received by the beneficiary within three to five working days.
Typical tariff per item
25p per £100 (minimum £13; maximum £40) inclusive of transmission and one chaser* in case of non-receipt.
Correspondent Bank Fee
Typical tariff per item
A correspondent bank fee is also payable for international payments made outside the EEA, when you select to pay all charges (OUR). Zone 1: £12 - USA, Canada, Switzerland, Monaco, San Marino, Jersey, Guernsey and Isle of Man (non EEA). Zone 2: £20 - rest of the world, excluding EEA.
Express International Moneymover
Typical tariff per item
For urgent payments (excluding euro) the fastest way to send money overseas – normally received by the beneficiary within three working days
Typical tariff per item
As Standard International Moneymover plus £6
Correspondent Bank Fee
Typical tariff per item
A correspondent bank fee is also payable for international payments made outside the EEA, when you select to pay all charges (OUR). Zone 1: £12 - USA, Canada, Switzerland, Monaco, San Marino, Jersey, Guernsey and Isle of Man (non EEA). Zone 2: £20 - rest of the world, excluding EEA.
Euro International Moneymover**
Typical tariff per item
**Payment instructions that do not contain a valid Bank Identifier Code (BIC) and an International Bank Account Number (IBAN) will have an additional charge of £7 applied.
Typical tariff per item
Normally received by the beneficiary same day or within three working days
Typical tariff per item
25p per £100 (minimum £16; maximum £40) inclusive of transmission and one chaser* in case of non-receipt
International Draft Payable Abroad
Typical tariff per item
Drafts can be supplied in various currencies
Typical tariff per item
£10
Cancellation/Amendments
Typical tariff per item
Applicable to all payment types. International Drafts cannot be amended once issued. Note: We cannot guarantee the cancellation, as funds may already have been paid to the beneficiary. If this happens, we will refund the recall fee. Where the transaction is in a different currency from the account to be debited (including sterling), the appropriate rate of exchange will be advised to you at the time of the transaction.
Typical tariff per item
£20
*Chasers
Typical tariff per item
Chasers for non-receipt
Typical tariff per item
£10 - £15 each
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For full details of our Trade Tariffs including Letters of Credit, Documentary Collections, Guarantees and Standby Letters of Credit, please see our dedicated brochure.
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Typical tariff per item
To other currency accounts
Typical tariff per item
No charge
To sterling accounts
Typical tariff per item
No charge