DELIGHT

asklloydstsb

6018BTxxu

CLUB LLOYDS

DELIGHT

THE BENEFITS OF BELONGING TO CLUB LLOYDS


Club Lloyds

Contents

Welcome to Club Lloyds 1

Your Club Lloyds benefits

Current account credit interest 2

Banking Offers 4

Lifestyle Benefits 6

Interest and fee-free Planned Overdraft 8

Using your account

Your debit card 10

Everyday Offers 11

Switch to Club Lloyds 12

Ways to bank 13

Money when travelling 15

Moving your money 16

Money Manager 18

Useful information

Other services 19


Welcome to Club Lloyds

I’ve got a current account

with more to offer

Get the most from your Club Lloyds benefits

Welcome to Club Lloyds. Whether you’ve

just opened a Club Lloyds account or

added Club Lloyds benefits to your existing

account, we want to help you get the most

from its benefits.

• Pay two different Direct Debits from your

account each calendar month and you’ll

qualify for variable, tiered credit interest

on balances from £1 to £5,000.

• Exclusive access to Club Lloyds banking

offers – details on pages 4-5.

• Select your Lifestyle Benefit if you haven’t

already. You’ll receive more details in

the next few days about how to do this –

details on pages 6-7.

• You can apply for an interest and fee-free

Planned Overdraft – details on page 8.

• Move all your payments to your Club

Lloyds account in just seven working days

with the Current Account Switch Service –

details on page 12.

• Register for internet, mobile or telephone

banking as well as Money Manager at

lloydsbank.com

• Sign up for Everyday Offers, activate your

offers and start earning up to 15% cashback

when you use your Lloyds Bank debit card

– details on page 11.

• Register for It’s On Us at

lloydsbank.com/everydayoffers

Club Lloyds offers will change from time to

time. If you've added Club Lloyds benefits

to your existing Added Value account, or

upgraded from a Classic account, some of

the features of your account may change

(See notes on page 21).

As long as you pay

£1,500 or more into your

account each month,

we’ll waive the £5 Club

Lloyds monthly fee. If in

any month you don’t pay

in this amount, you will

need to pay the fee.

1


Current account credit interest

Making the most

of my money

Tiered credit interest rates

With Club Lloyds you can earn interest on

the money in your current account. It offers

variable, tiered interest rates up to 4% AER

/3.93% Gross, so the more money you have

in your account, the more interest you could

receive on balances from £1 to £5,000.

Interest rates are calculated daily on the

balance that’s in your account, so even if

your balance fluctuates from the beginning

of the month to the end, you could still be

earning interest.

On balances between £4,000 – £5,000

you could earn

4% AER variable

To qualify for credit interest you need to

pay two different Direct Debits from your

Club Lloyds current account each calendar

month. If there’s a calendar month where

you don’t have two different Direct Debits

paid from your account, you won’t get any

interest on the money in your account for

that month.

Interest is paid monthly into your account

at the end of the first working day of each

month, and the interest cycle runs from the

second working day of one month to the

first working day of the next.

We don’t pay interest on amounts over

£5,000. Please speak to us about our range

of savings accounts, including the exclusive

Club Lloyds Saver and Club Lloyds Monthly

Saver accounts.

2


Current account credit interest

Club Lloyds interest rates

Balances between

£1 &

£1,999.99

1.00%

AER

Balances between

£2,000 &

£3,999.99

2.00%

AER

Balances between

£4,000

& £5,000

4.00%

AER

1.00%

Gross p.a.

0.80%

Net p.a.

1.98%

Gross p.a.

1.59%

Net p.a.

3.93%

Gross p.a.

3.14%

Net p.a.

Club Lloyds interest rates are variable and apply to your whole balance.

For example, if you have £4,000 in your account for 365 days, you’ll receive an

interest rate of 4% AER/3.93% Gross variable on your entire balance as long as

you pay two different Direct Debits from your account each calendar month.

3


Banking Offers

I’d like offers on other

banking products too

Exclusive offers just for Club Lloyds customers

Savings

As a Club Lloyds customer you have

exclusive access to two savings accounts:

Club Lloyds Saver

A variable rate savings account for 12 months.

The account gives you instant access and you

can choose to receive interest monthly

or annually.

Club Lloyds Monthly Saver

Save between £25 and £400 every month

via standing order. Rates are fixed for the

one-year term of the account with interest

paid on maturity.

To find out more visit us in branch, go online

lloydsbank.com/savings or call us on

0345 300 0000.

Mortgages

As a Club Lloyds customer you can take

advantage of an exclusive 0.20% discount

on your initial mortgage rate.

You must have a Club Lloyds current

account open at the time of mortgage

application. This discount does not apply

to Local Lend a Hand, Shared Equity,

Shared Ownership, Negative Equity and

Buy to Let mortgages.

For more information go online

lloydsbank.com/mortgages, use our

online form to book an appointment

in branch to see one of our dedicated

Mortgage and Protection Advisers, or

call us on 0800 783 3534.

YOUR HOME MAY BE REPOSSESSED

IF YOU DO NOT KEEP UP REPAYMENTS ON

YOUR MORTGAGE.

4


Banking Offers

EXCLUSIVE

These are our current Club Lloyds banking offers – they are only available to Club Lloyds

customers. We might change them from time to time. Please ask in branch or visit

lloydsbank.com/club-lloyds for details of the latest offers. Other offers may also be

available in the future, so always ask before taking out a Lloyds Bank product.

Home Insurance

As a Club Lloyds customer we’ll give you

a 10% discount when you take out a new

combined buildings and contents policy, or

upgrade from a buildings only or contents

only policy to a combined one.

The Club Lloyds offer is only available

on Home Solutions and Home Options

products and is not available via comparison

sites. Minimum premiums may apply –

please see the separate offer conditions for

each product.

For more about our Home Solutions

insurance visit us in branch or call us

on 0800 022 4857. For Home Options

insurance please call us on 0800 056 0122

or go online lloydsbank.com/insurance

Lloyds Bank Home Solutions and Home

Options are underwritten by Lloyds Bank

General Insurance Limited.

Credit Cards

As a Club Lloyds customer when you open

a Lloyds Bank Choice Rewards Credit Card

account we’ll refund £12 of the £24 annual card

fee. If you are an existing Choice Rewards Credit

Card holder you will receive this refund if you

hold a Club Lloyds current account when your

next annual fee is charged. Conditions apply.

Choice Rewards allows you to collect Choice

points almost anywhere you go and use your

points to get cashback, shopping vouchers,

travel rewards and magazine subscriptions.

To find out more about this offer, the offer

conditions and the other credit cards

that may be available to you please visit

lloydsbank.com/cards, ask in branch or

call us on 0345 606 2172.

REPRESENTATIVE EXAMPLE

Purchase rate: 18.94% p.a. variable

Representative 23.7% APR variable

Based on borrowing £1,200 over 12 months with

an annual fee of £24. Credit limits and interest rates

will vary based on your individual circumstances.

5


Lifestyle Club Lloyds Benefits

A more rewarding

current account

Offering a choice of benefits as standard

As a Club Lloyds customer you can choose one of three Lifestyle

Benefits, each year per account, as part of your account benefits

package, as long as you remain a Club Lloyds customer.

Dining

offers

Cinema

tickets

Magazine

subscription

Annual Gourmet Society

membership typically gives

you deals like ‘2 for 1’ or

25% off food and drink at

over 6,000 participating

restaurants including

national chains, award

winners and local favourites.

6 Vue or Cineworld tickets

valid at over 80 locations

across the UK for use

throughout the year.

Tickets will be automatically

allocated for the cinema

chain closest to your

home address. You can

switch the cinema chain

within the first 30 days of

opening your account.

An annual magazine

subscription – choose

from a selection of printed

and digital magazines

published either by Hearst

Magazines, including

Good Housekeeping,

Cosmopolitan, Prima and

Men's Health (available

digitally on Apple devices), or

from Bauer Media including

Bike, Car, FHM and Today's

Golfer (available digitally

on Apple and compatible

Android devices).

6


Lifestyle Benefits

What happens next?

Full information about the Lifestyle Benefit

you’ve chosen will be sent to you shortly by

email or by post and will include all of the

information you need including:

• Confirmation of what you’ve chosen

with all the details about when and how

you’ll receive it.

• All the information you need to choose

a Lifestyle Benefit if you haven’t already.

• What to do if you want to cancel or you've

changed your mind (within 30 days).

• Plus all of the terms and conditions you

need to read about your chosen benefit

as well as details of any exclusions

that apply.

If you don’t receive anything within 14 days,

or have any queries that you’d like to discuss

please call 0345 303 0303 (8am–10pm,

seven days a week). You can also call this

number to choose your Lifestyle Benefit if

you haven’t already, or to change the one

you’ve selected – as long as it’s at least three

working days after you open your account.

Key terms and conditions

Lifestyle Benefits are administered by The Grass Roots

Group UK Ltd, Pennyroyal Court, Station Road, Tring,

Herts, HP23 5QZ. Company Registration Number

4155659. They use different 3rd party suppliers to

provide each benefit. These are subject to the

supplier’s terms and conditions. Benefits can’t be

combined with any other offer or exchanged for cash

or other alternatives. One benefit per account is

available each 12 months. The selection may be

subject to change upon notice by us or the supplier.

Exclusions apply. You can change or cancel the choice

you made at account opening within 30 days. If you did

not make a selection when you joined Club Lloyds you

can do so by contacting 0345 303 0303 or visiting

lloydsbank.com/club-lloyds If you do this more than

30 days after you open or upgrade your account you

will receive your Lifestyle Benefit on a pro rata basis.

After that the selected benefit can only be changed

within a restricted window around the anniversary of

when you opened the account. We will write to you to

remind you about this closer to the time. All Lifestyle

Benefits are subject to terms and conditions.

Cinema tickets – cinema codes can only be exchanged

for a Standard 2D admission ticket at either Vue or

Cineworld Cinemas (dependent on the issuing chain), or

as part payment towards a 3D or other special

admission. Exclusions are detailed in the Lifestyle

Benefits terms with your welcome letter. The codes may

not be used to reserve an admission ticket by telephone

and can’t be used after the expiration dates allocated.

Each code can only be used once subject to availability.

Annual Gourmet Society membership – participating

restaurants may change at any time and discounts

and availability may vary. Advance booking may be

required. You can’t use the card with any set menus.

Magazine subscription – if you choose a digital

magazine title you must provide a valid email address.

It can take up to six weeks to receive the first publication

from confirming the title you want to receive.

Subscriptions may not include promotional items

packaged with the magazine.

7


Interest and fee-free overdraft

Support for when

things get a little tight

Club Lloyds Planned Overdraft

We support Club Lloyds customers with an

interest and fee-free Planned Overdraft of up to

£100 subject to application and approval. This

gives you some financial flexibility, without the

worry of overdraft fees or interest.

If you have added Club Lloyds benefits to an

existing Added Value account, the interest

and fee-free amount for that account remains

unchanged, unless you have added Club Lloyds

to your Silver account.

Where you have added Club Lloyds to an

existing Silver account you will now be able

to apply for the Club Lloyds interest and

fee-free Planned Overdraft amount of up to

£100 , however if you already have a Planned

Overdraft of £100 or more, we will automatically

increase your interest and fee-free amount

from £50 to £100.

You can find more details about all our overdraft

fees, and an explanation of how our overdrafts

work in our ‘Banking Charges Guide’ at

lloydsbank.com

All overdrafts are subject to our assessment of

your circumstances and are repayable in full on

demand. You must be aged 18 or over to apply.

Applying for your overdraft

If you didn’t apply for your overdraft when

you opened your account and want to apply

for a Planned Overdraft, you can do this in

branch or call us on 0345 300 0000 to apply.

Grace period

Our grace period gives you until 3.30pm

(UK time) to pay in enough money to avoid

Returned Item Fees and ensure the payment

goes out, but you have until midnight to avoid

overdraft fees and interest. The money needs

to be immediately available to use, so you

could transfer money from another personal

account you have with us via Mobile, Internet

or Telephone Banking or pay in cash over the

counter in branch.

REPRESENTATIVE EXAMPLE

If you use a Planned Overdraft limit of £1,200 the

overdraft interest rate we charge on the first £50 for

Silver accounts or £100 for Club Lloyds Silver accounts

will be 0% EAR variable.

The overdraft interest rate on the remaining amount

up to £1,200 will be 19.94% EAR variable and a

Monthly Overdraft Usage Fee of £6 will apply.

EAR is the Equivalent Annual Rate. This is the

actual annual rate of an overdraft. It doesn’t take into

account other fees and charges.

8


BREATHE


Your debit card

I need a card

that’s easy to use

If you’ve changed from another Lloyds Bank

current account or added Club Lloyds to

your existing account, your account number,

sort code and PIN will all stay the same, and

you can continue to use your existing card.

But if you’re a Club Lloyds Silver customer or

have upgraded from a Classic account then

we’ll send you a new card.

Your Lloyds Bank Visa debit card can be

used in shops, online and over the phone.

And there’s no charge to withdraw cash

at any of our UK Cashpoint ® machines

(a charge may apply at other ATMs).

You can also use your Visa debit card

abroad wherever you see the Visa sign.

Please see your ‘Banking Charges Guide’

or visit lloydsbank.com for more details

of the fees or charges that apply to

overseas or non-sterling transactions.

What you’ll receive next

If you’re new to Lloyds Bank, your debit card

and PIN will arrive within seven working days

(if after ten days it still hasn't arrived, please

let us know). For your security, we send

them separately.

If we spot any fraudulent transactions on

your account, we’ll call to let you know. So

please make sure we have your up-to-date

contact details.

Useful phone numbers

Lost and stolen

0800 096 9779

(or +44 1702 278 270 from abroad)

Help with your account

0345 300 0000

(or +44 1733 347 007 from abroad)

Unrecognised transactions

0345 300 6699

(or +44 1702 462 493 from abroad)

10


Everyday Offers

I’d like cashback when I use my card

Everyday Offers & It’s On Us

Everyday Offers

You can earn up to 15% cashback with

Everyday Offers.

Food, clothes, or something new for the

home. With your Lloyds Bank debit card,

or credit card if you’re the main cardholder,

you can earn cashback using Everyday

Offers on purchases at the types of places

you shop.

It’s On Us

With 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,

or credit card if you are the main cardholder.

You can activate It’s On Us when you view

your Everyday Offers.

See ‘Important Information’ section for

more details and eligibility criteria for

Everyday Offers and It’s On Us. Or visit

lloydsbank.com/everydayoffers to register.

Log on to internet banking to register

for Everyday Offers under ‘Your Account

Tools’ and follow the steps below:

Click on Everyday Offers

in your ‘Account Overview’ to see

your offers, then select the ones

you want to activate for use on your

next purchase.

Shop with your Lloyds Bank debit

card, or credit card if you’re the

main cardholder, in line with the

offer conditions.

Enjoy the money you have earned,

which is paid back into your account at

the end of the following month.

11


Switch to Club Lloyds

I want all my payments

in one place

Transferring payments

If you are new to Lloyds Bank and want to

move your regular payments to your new

account, you can use the Current Account

Switch Service. We’ll help you switch your

Direct Debits and standing orders. We can

also help arrange for anyone who regularly

pays money into your account to redirect

their payments.

All you need to do is:

• Let us know the date you want to

be switched.

• Tell us the account details, including the

16-digit number from your debit card for

the account you want to switch from.

We offer our banking customers a range

of benefits and services:

• Access to a network of branches.

• Variety of accounts – taking care of your

everyday banking needs.

• Free services like Money Manager.

• A debit card you can use in over 500,000

places in the UK and in over 27 million

outlets around the world.

• Send money almost anywhere in the

world with our international payments

service. Terms and conditions apply,

ask us for more information.

The Current Account Switch Service moves

all your payments in

7 working days

Current accounts and services are offered subject to status. Available only to personal customers, aged 18+ who are resident in the UK and are

either an EU National or have permission to stay in the UK for at least 12 months.

12


Ways to bank

I can choose how I want to bank

24

7

PhoneBank ®

Open new accounts, book

a branch appointment,

make payments and more.

Our automated telephone

service lets you carry out

simple transactions and

our advisers are available

to help with other queries.

Ask an adviser to send you

a security number in the

post to make the best of our

PhoneBank service.

Internet banking

View statements, check

your balance, view Direct

Debits, set up standing

orders and make transfers

and payments. Register

in branch or log on to

internet banking at

lloydsbank.com/ib

Mobile banking

Our free mobile banking

service helps you stay on

top of your finances on

the move. You can do your

banking on the spot with

most mobile phones – either

using our app or through

your mobile’s browser at

lloydsbank.com/onthemove

13


Ways to bank

Text Alerts

• Weekly balance alerts – on the weekday

of your choice, we’ll let you know your

latest balance and last six transactions.

• Limit alerts – if you’re near to or over your

account limit, we’ll let you know to help

you avoid accidental overdraft fees.

• High and low balance alerts – when your

balance reaches or falls to a certain level,

we’ll let you know so you can transfer

money in or out of your account.

• Overseas transaction alerts – for added

security, when your Visa debit card is

used abroad we’ll text to tell you whether

it was a purchase or withdrawal from a

cash machine.

Cashpoint ® machine

You can also do a lot of your day-to-day

banking at Lloyds Bank Cashpoint machines.

At all of our ATMs you can:

• Check your balance, change your PIN

or print a mini statement showing your

most recent transactions.

• Withdraw up to £500 cash per day with

your Club Lloyds debit card.

And at the majority of our ATMs you can:

• Move money between Lloyds Bank

personal accounts.

• Pay your bills.

• Pay in cash and cheques.

• Top up your pay-as-you-go mobile phone.*

REGISTER

To receive Text Alerts,

register online at

lloydsbank.com/ib

call us on 0345 300 0000

or visit a branch.

Please note, although you can use internet, PhoneBank and mobile

banking to give us instructions 24 hours a day, seven days a week, some

instructions, such as those given after 10pm or at weekends, cannot be

processed until the next working day. Not all telephone, internet and

mobile banking services are available 24 hours a day, seven days a week.

Please speak to an adviser for more information. You must be registered

for internet banking to be able to use our mobile banking service. Services

may be affected by phone signal or functionality. We don’t charge you

for mobile banking but your mobile operator may charge you for some

services, please check with them. PhoneBank ® is a registered trademark

of Lloyds Bank plc.

Text Alerts (other than weekly balance alerts and overseas transaction

alerts) are sent before 10am UK time Monday to Friday excluding Bank

Holidays. Terms and conditions apply.

*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.

14


Money when travelling

I’ve got everything I need

when I go away

Commission free travel money

All your foreign currency banknotes and

American Express ® Travellers Cheques are

commission free from us. We also offer

instant euros and US dollars in many of

our branches.

Order your foreign currency or travellers

cheques by 3pm Monday to Friday (excluding

Bank Holidays) and we’ll deliver them to any

of our branches for you to collect after 1pm

the next working day, free of charge.

We can even deliver your currency to

your home address for just £4.50 (delivery

to British mainland and Northern Ireland,

to customer’s billing address only).

Our branches will also buy back any foreign

notes or American Express Travellers Cheques

you might have left over – commission free.

Order your currency in branch, online if you’re

registered for Internet Banking or by calling

0345 366 1149 (Mon–Fri 8am–10pm,

Sat & Sun 10am–8pm.

A convenient, secure way

to pay abroad

Use your Visa debit card in hotels, bars,

restaurants and shops – Visa is accepted

in over 27 million outlets and at one

million ATMs worldwide. Fees apply

so see our ‘Banking Charges’ guide for

more information.

Your Visa debit card is an alternative to

carrying cash, and is just as safe to use

abroad as it is at home. We’ll monitor your

account when you’re out of the country,

and if we see anything suspicious, we’ll

text or call you to let you know.

Places around the world you can

use your debit card

27 million

You should always check travellers cheques are accepted at your travel destination.

The price at which we buy back your currency may differ from the price at which we sold it to you. There are minimum denominations we

can accept in certain currencies. Details of these are available on request. We may not be able to re-purchase currency if a country becomes

embargoed or we no longer deal with that currency.

Different delivery timescales may apply to Scotland and Northern Ireland. We may not be able to guarantee next working day delivery to certain

remote areas within the United Kingdom. Please ask in a branch for further details.

15


Moving your money

It’s easy to move my money

A_B

Make quick, secure deposits

• All cash will be immediately available

when processed, information on cheque

clearance timescales is available in your

terms and conditions.

• All the deposits you make over the

counter are processed immediately.

• Our easy-to-use Immediate Deposit

Machines (IDMs) will process a deposit

in a matter of seconds.

• Any deposits made through our

depositpoints before the cut-off time

on a working day will be processed by

the end of the day. Any deposits made

after that time or at weekends will be

processed the next working day.

• Any deposit made through our Cashpoint

machines will be processed the next day.

Weekends and Bank Holidays are not

counted as working days.

Sending money abroad

Our international payment services help

you send money abroad quickly, easily

and securely. To find out more go to

lloydsbank.com/internationalpayments

Paying in cheques

If you qualify for credit interest, we’ll start

paying it straight away on the first £1,000 of

cheques paid in over the counter before the

cut-off time on a working day. Whenever

you pay in a cheque we use the ‘2-4-6’

process. This may be quicker for Lloyds

Bank cheques. To find out more about

how and when you can use cheques visit

lloydsbank.com or see your ‘Personal

Banking terms and conditions’.

16


Moving your money

Direct Debits

Direct Debits are a quick and easy way to

make payments. They go straight from your

account to a company or service, which is

really useful for paying regular bills like your

utilities, where the amounts might vary. If you

ever need to cancel or change a Direct Debit,

simply let the company you are paying and us

know. If you think there’s been an incorrect

payment, tell us immediately and we’ll

arrange a full refund and tell the company or

business involved.

Standing orders

Another simple way to pay your bills is

by standing order. This is a fixed, regular

payment from your account. We can help you

set these up, and if you ever need to change

or cancel them just let us know.

Standing orders and future

dated payments

We make payments from your account

shortly after midnight at the start of the due

date. If your payment date falls on a nonworking

day, then we will try to collect your

payment the next working day.

If you don’t have enough funds in your

account at this point to make a payment, we

will try to make a payment again after 3.30pm

the same day. This gives you the chance to

put extra funds into your account so that we

can make the payment. The money needs

to be available to use straight away, so you

could transfer money from another personal

account you have with us via Internet, Mobile

or Telephone Banking or pay in cash over the

counter in branch.

If you do not have enough funds at the

beginning of a day to make a payment:

• You have until 3.30pm to pay money into

your account to make the payment that day.

• If a payment takes you into any type of

overdraft, you have until midnight to

pay money into your account to avoid

overdraft fees and charges.

If there are still not enough available funds, we

will make a final try on the next working day

before rejecting the payment. We will only

charge a Returned Item Fee if all three tries

are unsuccessful, and we will not charge more

than one Returned Item Fee for that failed

payment. Details of our fees and charges can

be found in the Banking Charges guide.

17


Money Manager

I can easily keep track

of my finances

Money Manager is a free and easy way to

stay on top of your finances and can be

used with all your UK Lloyds Bank personal

current and credit card accounts together.

Once you have registered for internet

banking you can use the service free

of charge.

With Money Manager you can:

• See your spending broken down

into meaningful categories (like

entertainment, food and travel).

• Set up and track a Savings Goal* and

save for the things you want.

• Keep track of your regular bills

or payments.

• Plan ahead with a Calendar view

of your regular incoming and

outgoing payments.

To register and start using this free service,

visit lloydsbank.com/moneymanager

Once you have registered for internet banking

you can use the service free of charge.

Spending analysis

Entertainment

& Leisure

28%

Categories %

Entertainment & Leisure 28%

Groceries 25%

Cash Withdrawals 24%

Transportation 18%

Clothing & Personal Care 3%

Savings & Financial 2%

These figures are for illustrative purposes only.

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.

*In order to set up a Savings Goal you must have a Lloyds Bank savings account.

18


Other services

I need a bank that

understands real life

Save every time you spend

Register for Save the Change ® and every

time you buy something with your

Lloyds Bank debit card, and your account

is in credit, the amount you spend will be

rounded up to the nearest whole pound

and at the start of the next working day,

we’ll transfer the difference into an eligible

Lloyds Bank savings account, for example

a Club Lloyds Saver. Save the Change ®

does not apply to over-the-counter cash

advances, ATM withdrawals or fees

charged for non-Lloyds Bank ATM

transactions. Transfers can only be

made if your current account is in credit.

For more details or to find out which savings

accounts are eligible, visit us in branch,

go to lloydsbank.com/savethechange

or call us on 0345 300 0000.

Loans

If you need help planning for the future, we

offer loans from £1,000 up to £25,000. We’ll

normally give you a decision in 30 minutes.

Apply online, call us on 0800 068 1217, or

come in branch to find out more – lines are

open 8am-10pm, seven days a week. Loans

are subject to application and approval.

Insurance

Make sure the things that matter to you are

protected with a range of insurance policies.

For Car insurance

Call 0800 460 460 Monday to Friday

8am-8pm, Saturday 9am-5pm.

For Travel insurance

Call 0800 056 4262 Monday to Saturday

8am-8pm, Sunday 9am-5pm.

Lloyds Bank Car insurance and Lloyds Bank

Travel insurance are arranged, administered

and underwritten by third parties.

19


Other services

Things to note

If your existing account has Vantage and

you upgrade to Club Lloyds, you’ll receive

the Club Lloyds current account interest

rates, as long as you meet the qualifying

criteria. You will no longer benefit from your

existing Vantage interest rates.

If you don’t currently pay a fee for your

Added Value account and choose to

upgrade to Club Lloyds, you will lose your

fee waiver and have to pay the Added Value

account fee for your particular account. You

will also pay the monthly Club Lloyds fee

unless you qualify for this to be waived.

Everyday Offers is available to Lloyds Bank

UK personal current account and credit card

customers aged 18+ who are registered

for internet banking. Once enrolled, any

cashback earned on credit card purchases

will be paid to the primary account holder,

so long as they have a Lloyds Bank personal

current account. You’ll need to stay

registered for Everyday Offers and keep

your current account open to receive your

cashback. Merchant offers and cashback

amounts may vary and must be activated

through internet banking.

To enter the It’s On Us free draw, you

must be a UK resident (excludes NI), be

registered for Everyday Offers for up to a

week, and have activated the It’s On Us

offer. 1,000 debit or credit card transactions

up to £500 will be reimbursed each week.

For full terms and conditions visit

lloydsbank.com/everydayoffers

20


Important information

Account opening is subject to our assessment of

your circumstances. Club Lloyds is only available to

personal customers who are UK resident and aged 18

or over, and who are either an EU National or have

permission to stay in the UK for at least 12 months.

You must continue to live in the UK to benefit from

Club Lloyds banking offers and Lifestyle Benefits.

How much we lend if anything, or the issue of a

credit card is subject to an assessment of your

personal circumstances. You must be over 18

and a UK resident to apply. If applying for a loan

you also need to have held an account with

Lloyds Bank for three months.

AER stands for Annual Equivalent Rate and

illustrates what the interest rate would be if it was

paid and compounded once each year.

Gross rate is the contractual rate of interest

payable before the deduction of income tax

at the rate specified by law.

Net rate is the rate of interest which would

be payable after allowing for the deduction

of income tax at the rate specified by law.

Cashpoint ® , PhoneBank ® and Save the Change ®

are registered trademarks of Lloyds Bank plc and

depositpoint is a trademark of Lloyds Bank plc.

Apple is a trademark of Apple Inc., registered in the

U.S. and other countries.

Calls 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, seven 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 also subscribe to The Lending Code. Details can

be obtained from

www.lendingstandardsboard.org.uk

Eligible deposits with us are protected by the

Financial Services Compensation Scheme. We are

covered by the Financial Ombudsman Service.

All information and rates correct as at November 2015.


Contact us

£

lloydsbank.com/club-lloyds

Call us on 0345 300 0000

Visit your local branch

If you'd like this in another format such as large

print, Braille or audio please ask in branch.

If you have a hearing or speech impairment you can contact us using

Text Relay or Textphone on 0345 300 2281 (lines are open 24 hours

a day, seven days a week). If you are Deaf you can use BSL and the

SignVideo service available at

lloydsbank.com/accessibility/signvideo.asp

Our promise is to do our best to resolve any problems you have.

If you wish to complain visit your local branch or call 0800 072 3572

or 01733 462 267. (Textphone 0800 056 7614 or 01733 347 500,

if you have a hearing impairment). For more information visit

lloydsbank.com/contactus

M59992 (11/15)

More magazines by this user
Similar magazines