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Product terms and conditions
For the relevant terms and conditions for your products and services below please click on the appropriate link.
If your turnover is £25m+, please read your applicable Terms and Conditions for products or services.
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Online for Business Terms and Conditions (PDF, 183KB)
Commercial Banking Online – Payment Cut-off Times (PDF, 122KB)
Commercial Banking Online – Standard Tariffs and Charges (PDF, 82KB)
Commercial Banking Online (£0m - £25m turnover) Terms & Conditions (PDF, 437KB) (In effect from 05 June 2025)
Commercial Banking Online (£0m-£25m turnover) – Terms and Conditions (PDF, 256KB)
Telephone Banking – PhoneBank® for Business (PDF, 133KB)
Telephone Banking – Commercial Telephone Banking (PDF, 147KB)
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Business Account
For full details of your terms and conditions please view documents below.
General Conditions (PDF, 844KB)
Product Specific Conditions (PDF, 596KB)
Account Charges & Processing Times (PDF, 666KB)
Community Account
For full details of your terms and conditions please view documents below.
General Conditions (PDF, 844KB)
Product Specific Conditions - Community Account (PDF, 650KB)
Account Charges & Processing Times (PDF, 666KB)
School Bank Account
For full details of your terms and conditions please view documents below.
General Conditions (PDF, 844KB)
Product Specific Conditions (PDF, 596KB)
Account Charges & Processing Times (PDF, 666KB)
Credit Union Account
For full details of your terms and conditions please view documents below.
General Conditions (PDF, 844KB)
Product Specific Conditions (PDF, 596KB)
Account Charges & Processing Times (PDF, 666KB)
Treasurers' Account
For full details of your terms and conditions please view documents below.
General Conditions (PDF, 844KB)
Additional Conditions for Treasurers' Accounts (PDF, 596KB)
Account Charges & Processing Times (PDF, 666KB)
Commercial Loan Servicing Account
For full details of your terms and conditions please view documents below.
General Conditions (PDF, 844KB)
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Commercial Instant Access Account
For full details of your terms and conditions please view documents below.
General Conditions (PDF, 844KB)
Product Specific Conditions (PDF, 596KB)
Account Charges & Processing Times (PDF, 666KB)
Commercial Instant Access Account Product Summary Box (PDF, 92KB)
Commercial Undesignated Client Account
For full details of your terms and conditions please view documents below.
General Conditions (PDF, 970KB)
Product Specific Conditions (PDF, 351KB)
Account Charges & Processing Times (PDF, 666KB)
Commercial Designated Client Account
For full details of your terms and conditions please view documents below.
General Conditions (PDF, 970KB)
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Commercial Insurer Trust Account
For full details of your terms and conditions please view documents below.
General Conditions (PDF, 844KB)
Account Charges & Processing Times (PDF, 666KB)
Product Specific Conditions (PDF, 1MB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 104KB)
Commercial Segregated Funds Account
For full details of your terms and conditions please view documents below.
General Conditions (PDF, 844KB)
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Foreign Currency Account
For full details of your terms and conditions please view the documents below
General Conditions (PDF, 970KB)
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Lloyds Business Credit Card Terms and Conditions – CCA (PDF, 303KB)
Lloyds Business Credit Card Terms and Conditions – Non CCA (PDF, 297KB)
Lloyds Business Charge Card Terms and Conditions – CCA (PDF, 285KB)
Lloyds Business Charge Card Terms and Conditions – Non CCA (PDF, 283KB)
Business Debit Card & Cashpoint Card (PDF, 239KB)
Deputyship & Appointeeship Debit Card Terms and Conditions (PDF, 167KB)
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International Trade
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.
Terms and Conditions (PDF, 285KB)
Trade Finance
Trade Finance General Terms (PDF, 237KB)
Trade Services
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Full Invoice Finance operating conditions (Invoice Factoring, Invoice Discounting & Debtor Protection)
Commercial Finance operating conditions
CF Part I - Definitions (PDF, 420KB)
CF Part II - Provisions relating to all clients (PDF, 513KB)
CF Part III - Provisions relating to Invoice Discounting clients only (PDF, 390KB)
CF Part IV - Provisions relating to Factoring clients only (PDF, 438KB)
CF Part V - Provisions relating to a contingent liability facility (PDF, 42KB)
CF Part VI - Provisions relating to export and currency facility only (PDF, 44KB)
CF Part VII - Fees and charges (PDF, 418KB)
CF Part X - Debtor Protection conditions (PDF, 495KB)
PLC operating conditions
PLC Part I Definitions (PDF, 416KB)
PLC Part II Provisions relating to all clients (PDF, 514KB)
PLC Part III Provisions relating to Invoice Discounting clients only (PDF, 392KB)
PLC Part IV Provisions relating to Factoring clients only (PDF, 435KB)
PLC Part VI Provisions relating to export and currency facility only (PDF, 392KB)
PLC Part VII Fees and charges (PDF, 418KB)
PLC Part X Debtor Protection conditions (PDF, 494KB)
If you are unsure which operating condition applies to you please contact your Client Manager.
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Business Finance Assistant
For terms and conditions and information relating to the Lloyds Bank Business Finance Assistant, the following brochures apply:
Business Finance Assistant Terms & Conditions (PDF, 199KB)
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