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Commercial Terms
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General Information on Payments, Charges & Contacts
Head Office Collection
Trading account used for your day to day banking transactions
Host to Host
Terms & Conditions for payment solutions
Insolvency Account
This account is only available to Insolvency Practitioners
Insolvency Notice Account
This account is only available to Insolvency Practitioners who already have an Insolvency Account.
International Cash Management
Allows customers to manage their accounts held at other financial institutions through LloydsLink or Direct Corporate Access and initiate payments on Lloyds Bank accounts through other financial institutions. Also allows statement reporting to another bank and payments initiation via a partner banks electronic banking platform.
- Swift MT101 Inward - Products & Services Terms & Conditions (opens in a new tab) (pdf, 1.5 MB)
- Swift MT101 Outward - Products & Services Terms & Conditions (opens in a new tab) (pdf, 481.0 KB)
- Swift MT940 Inward- Products & Services Terms & Conditions (opens in a new tab) (pdf, 834.4 KB)
- Swift MT940 Outward- Products & Services Terms & Conditions (opens in a new tab) (pdf, 759.7 KB)
International Payments
A service for payments into and out of the UK in Sterling, Euro and other international currencies includes International MM, Euro MM, SEPA Credit, International Draft.
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Lloyds Bank Online Trade Services (LOTS)
Online Trade Services allows you to electronically initiate access and manage your trade services transactions, all via a secure internet connection.
- Application form (opens in a new tab) (pdf, 384.4 KB)
- Terms and conditions (opens in a new tab) (pdf, 284.9 KB)
- Amendment form (opens in a new tab) (pdf, 224.5 KB)
Liquidity Solutions
These Supplementary Service Terms are supplemented by the Master Terms when combined form the Products & Services Terms & Conditions for the Sweeping Service.
Non-Sterling Currency Account
For accounts opened prior to 22 February 2018.
The following Terms and Conditions are for any current account you hold with us that is in a currency other than Pound Sterling.
Non-Sterling Currency Account
For accounts opened on or after 22 February 2018.
The following Terms and Conditions are for any current account you hold with us that is in a currency other than Pound Sterling.
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Paper Cheques and Credits (Agency Banks)
You can issue your own branded cheque and credit books to your customers as well as providing access to the clearing scheme for the collection of cheques across your own counters or indirectly by your own customers.
Pay & Collect Online
Pension Fund Account
Terms & Conditions for your Pension Fund Account
Pledged Account
Terms & Conditions for your Pledged Account
Premier Direct Cash Service
Premier Direct Cash Service is a facility for customers who regularly undertake large value physical cash deposits and withdrawals. The service is operated in conjunction with any British Security Industry Association (BSIA) accredited third party security carrier for cash transportation and provides a secure, efficient and cost effective method of depositing and collecting cash.
Project Bank Account
Project Bank account is an account designed to promote prompt and fair payment to contractors and subcontractors.
Relationship Terms & Conditions
- Relationship Terms & Conditions (opens in a new tab) (pdf, 3.8 MB)
SEPA Credit Transfer - Euro Clearing Service
As a leading European Bank, with its own SEPA reachability and infrastructure, we can offer your institution indirect participation into the SEPA Credit Transfer Scheme.
- Terms & Conditions (opens in a new tab) (pdf, 122.2 KB)
SEPA Direct Debit
SDD offers a simple, convenient and efficient way to accept and make Direct Debit payments in Euro throughout the SEPA (Single European Payment Area) community. By introducing a common set of rules and data formats across the community, SDD facilitates both national and cross-border Direct Debit collections in Euro. The service enables you to have collections debited from your account as well as the ability to originate SDD collections.
Standby Letter of Credit Issued
SWIFT Direct Corporate Access
Provides Corporates and non-bank financial institutions with direct access to SWIFT through a MA-CUG (Member Administered Closed User Group) and SCORE (Standard Corporate Environment) payments channels.
Trade Finance General Terms
- Trade Finance General Terms (opens in a new tab) (pdf, 236.1 KB)
- Trade Finance General Terms - Lloyds Bank Corporate Markets plc (opens in a new tab) (pdf, 166.1 KB)
Trade Services General Terms
TravelLink Conditions
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Vostro account for Financial Institutions
This account offering is managed by our dedicated Financial Institutions team and is available in a majority of tradable currencies.
- Terms and Conditions (opens in a new tab) (pdf, 98.3 KB)
- Commissions for Correspondent Banking Services brochure (opens in a new tab) (pdf, 139.1 KB)
Account Bank Account
Terms & Conditions for your Account Bank Account
Audit Requests
Provides information about Lloyds Bank Corporate Markets plc audit requests.
Authority to Debit Percentage Sweep
Balance on the lead/originating account is maintained at a target balance with funds in excess of that target being physically swept on a predetermined schedule and percentage basis to designated recipient accounts.
Bacs (Agency Banks)
We can provide sponsorship to you and your customers into the UK’s 3 day value payments scheme for both Direct Debits and Credits. We also provide access to the Suite of Bacs Services for Agency Banks.
Bacstel-IP
The UK's low value direct and indirect payments service providing a 3 day processing cycle.
Bulk Cash Till Service
Bulk Cash Till Delivery service is a facility for customers who regularly undertake cash withdrawals. The service is operated in conjunction with accredited third party security carrier for cash transportation and provides a secure, efficient and cost effective method of withdrawing cash.
Bulk Cheque Processing Service
Business Travel Solution
The Terms and Conditions, Conditions of Use and Charges Schedule that apply to Business Travel Solution (BTS) Sterling, Euro and US Dollar accounts. BTS is designed to make the payment, management and reconciliation of employee travel expenses more efficient when using a Travel Management Company.
- Terms and Conditions (PDF) (opens in a new tab) (pdf, 346.2 KB)
- Conditions of Use (PDF) (opens in a new tab) (pdf, 24.6 KB)
- Business Travel Solution Standard Charges Schedule (PDF, 128KB) (opens in a new tab) (pdf, 143.4 KB)
Carrier Cash Direct Service
Client Accounts
Terms and Conditions relating to a Designated or Undesignated Client Account.
Commercial Banking Online
Terms and Conditions for clients using Commercial Banking Online.
Corporate Charge Card
The Terms and Conditions, Conditions of Use and Charges Schedule that apply to Corporate Charge Card Sterling, Euro and US Dollar accounts. Corporate Charge Card is designed to make the payment and management of expenses relating to employee travel and entertainment more efficient.
- Corporate Charge Card Terms and Conditions (opens in a new tab) (pdf, 349.5 KB)
- Corporate Charge Card Conditions of Use (opens in a new tab) (pdf, 24.6 KB)
- Corporate Charge Card Standard Charges Schedule (opens in a new tab) (pdf, 145.9 KB)
Corporate Charge Card eOptimise
The Terms and Conditions and Charges Schedule that apply to Corporate Charge Card eOptimise Sterling, Euro and US Dollar accounts. With eOptimise you can pay non-card accepting suppliers.
- Corporate Charge Card eOptimise Terms and Conditions Opens in a new window (pdf, 352.8 KB)
- eOptimise Standard Charges Schedule Opens in a new window (pdf, 172.0 KB)
Corporate Charge Card ePay
The Terms and Conditions, Conditions of Use and Charges Schedule that apply to Corporate Charge Card ePay Sterling, Euro and US Dollar accounts. ePay provides enhanced levels of control and reconciliation on your employees' online and card-not-present business travel spend.
Corporate Charge Card Straight Through Processing (STP)
The Terms and Conditions and Charges Schedule that apply to Corporate Charge Card STP Sterling, Euro and US Dollar accounts. Corporate Charge Card STP is designed to make the payment and management of expenses relating to employee travel and entertainment more efficient with suppliers who aren’t card capable.
Corporate Current Account
The Terms and Conditions apply to the Corporate Current Account product.
Corporate Instant Access Account
The Terms and Conditions apply to accounts on the Corporate Instant Access Account product.
Corporate Loan Servicing Account
The Terms and Conditions apply to accounts on the Corporate Loan Servicing Account product.
Corporate Insurer Trust Account
Terms & Conditions for your Insurer Trust Account
Corporate MultiPay
The Terms and Conditions, Conditions of Use and Charges Schedule that apply to Corporate MultiPay Sterling, Euro and US Dollar accounts. Colleagues can use the card to purchase travel and entertainment as well as business supplies.
Corporate Purchasing Card
The Terms and Conditions, Conditions of Use and Charges Schedule that apply to Corporate Purchasing Card which is used to streamline the internal procure-to-pay process for business commodities.
- Terms and conditions (PDF) (opens in a new tab) (pdf, 347.9 KB)
- Conditions of use (PDF) (opens in a new tab) (pdf, 24.6 KB)
- Corporate Purchasing Card Standard Charges Schedule (opens in a new tab) (pdf, 142.3 KB)
Corporate Purchasing Card eOptimise
The Terms and Conditions and Charges Schedule that apply to Corporate Purchasing Card eOptimise accounts. With eOptimise you can pay non-card accepting suppliers.
Corporate Purchasing Card ePay
The Terms and Conditions, Conditions of Use and Charges Schedule that apply to Corporate Purchasing Card ePay accounts. ePay provides enhanced levels of control and reconciliation on your employees' online and card-not-present business spend.
Corporate Purchasing Card Straight Through Processing (STP)
The Terms and Conditions and Charges Schedule that apply to Corporate Purchasing Card STP which is designed to make the payment process more efficient with suppliers who aren’t card capable.
Corporate Segregated Funds Account
Terms & Conditions for your Segregated Funds Account
Deposits Terms & Conditions
(Excluding Corporate Call Account)
- Product Terms for Deposit Accounts (opens in a new tab) (pdf, 329.1 KB)
Deputyship & Appointeeship Debit Card
- Deputyship & Appointeeship Debit Card (opens in a new tab) (pdf, 166.8 KB)
Direct Collection Terms and Indemnity
Entry Collection Service
Provides electronic data related to accounting entries, e.g. Bacs, Faster Payments, Returned DD's, Cheques and Credits.
ePay Virtual
The Terms and Conditions, Conditions of Use and Charges Schedule that apply to ePay Virtual Sterling, Euro and US Dollar accounts. ePay Virtual provides enhanced levels of control and reconciliation on your employees' online and card-not-present business spend.