Product terms and conditions
Ways to bank
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, 56KB)
Commercial Banking Online (£0m-£25m turnover) – Terms and Conditions (PDF, 256KB)
Telephone Banking – PhoneBank® for Business (PDF, 192KB)
Telephone Banking – Commercial Telephone Banking (PDF, 147KB)
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Turnover less than £3 million
For Terms and Conditions relating to all business accounts, the following brochures apply:
Business Current Account
General Terms & Conditions (PDF, 420KB)
Account Charges & Processing Times (PDF, 2.2MB)
International Services Tariff (PDF, 1.3MB)
Summary for debtors under the SEPA Direct Debit Scheme (PDF, 104KB)
Joint and Several Liability (PDF, 1.2MB)
School Bank Account
For full details of your terms and conditions please view documents below.
Terms and conditions (PDF, 237KB)
Your account charges explained (PDF, 2MB)
International Services Tariff (PDF, 2.9MB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 107KB)
Treasurers Account & Credit Union Account
General Conditions (PDF, 420KB)
Additional Conditions for Treasurers and Credit Union Accounts (PDF, 145KB)
Not for Profit Need to Know (PDF, 4.6MB)
Additional Account Service Charges and Processing Times (PDF, 1.7MB)
International Services Tariff (PDF, 1.4MB)
Summary for debtors under the SEPA Direct Debit Scheme (PDF, 104KB)
Trustee Account
General Terms & Conditions (PDF, 318KB)
Additional Conditions for Treasurers and Credit Union Accounts (PDF, 591KB)
Not for Profit Need to Know (PDF, 1.5MB)
Additional Account Service Charges and Processing Times (PDF, 1.7MB)
International Services Tariff (PDF, 1.3MB)
Summary for debtors under the SEPA Direct Debit Scheme (PDF, 104KB)
Islamic Business Account (this account is no longer available)
Islamic Account Terms and conditions (PDF, 423KB)
Shariah-approved banking for your business (PDF, 2.7MB)
Islamic Business Account charges (PDF, 224KB)
Payment transaction (PDF, 177KB)
International Services Tariff (PDF, 1.3MB)
Joint and Several Liability (PDF, 147KB)
Turnover between £3 million and £25 million
Commercial Current Accounts opened on or after 10th October 2022 (includes Pledged Accounts)
For Terms and Conditions relating to all business accounts, the following brochures apply.
Terms and conditions (PDF, 298KB)
Your account charges explained (PDF, 173KB)
International Services (PDF, 174KB)
International Services Tariff (PDF, 149KB)
Payment transaction (PDF, 149KB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 104KB)
Joint and Several Liability (PDF, 1.4MB)
Business Accounts opened before 10th October 2022
For full details of your terms and conditions please view documents below.
Terms and conditions (PDF, 244KB)
What you need to know (PDF, 3MB)
Your account charges explained (PDF, 222KB)
International Services (PDF, 174KB)
International Services Tariff (PDF, 2.9MB)
Payment transaction (PDF, 1MB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 107KB)
Joint and Several Liability (PDF, 1.4MB)
School Bank Account opened on or after 10th October 2022
For full details of your terms and conditions please view documents below.
Terms and conditions (PDF, 298KB)
Your account charges explained (PDF, 173KB)
International Services (PDF, 174KB)
International Services Tariff (PDF, 149KB)
Payment transaction (PDF, 149KB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 104KB)
School Bank Account opened before 10th October 2022
For full details of your terms and conditions please view documents below.
Terms and conditions (PDF, 244KB)
Your account charges explained (PDF, 222KB)
International Services (PDF, 174KB)
International Services Tariff (PDF, 2.9MB)
Payment transaction (PDF, 1MB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 107KB)
Credit Union Accounts opened on or after 10th October 2022
For full details of your terms and conditions please view documents below.
Terms and conditions (PDF, 298KB)
Your account charges explained (PDF, 173KB)
International Services (PDF, 174KB)
International Services Tariff (PDF, 149KB)
Payment transaction (PDF, 149KB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 104KB)
Credit Union Account opened before 10th October 2022
For full details of your terms and conditions please view documents below.
Terms and conditions (PDF, 244KB)
Your account charges explained (PDF, 222KB)
International Services (PDF, 174KB)
International Services Tariff (PDF, 2.9MB)
Payment transaction (PDF, 1MB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 107KB)
Terms and conditions for Over £25m turnover products and services
Commercial Loan Servicing Account
For full details of your terms and conditions please view documents below.
Terms and conditions (PDF, 227KB)
Your account charges explained (PDF, 173KB)
Payment transaction (PDF, 149KB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 104KB)
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Turnover less than £3 million
Business Banking Instant Access Account
General Conditions (PDF, 318KB)
Additional Conditions for Business Banking Instant Access Account (PDF, 200KB)
Account Service Charges & Processing Times (PDF, 4.2MB)
International Services Tariff (PDF, 1.3MB)
Joint and Several Liability (PDF, 147KB
Business Banking Clients Call Account
General Conditions (PDF, 318KB)
Additional Conditions for Business Banking Clients Call Account (PDF, 170KB)
Account Service Charges & Processing Times (PDF, 4.2MB)
International Services Tariff (PDF, 1.3MB)
Designated Clients Call Account
For full details of your terms and conditions please view documents below.
Terms and conditions (PDF, 3.3MB)
Your account charges explained (PDF, 188KB)
Payment transaction (PDF, 177KB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 104KB)
Turnover between £3 million and £25 million
Business Instant Access Account
Business Instant Access Account Terms and Conditions (PDF, 187KB)
Your account charges explained (PDF, 2MB)
Payment Transaction (PDF, 1MB)
Joint & Several Liability (PDF, 1.4MB)
Business Instant Access Account Product Summary Box (PDF, 86KB)
Commercial Instant Access Account
For full details of your terms and conditions please view documents below.
Terms and conditions (PDF, 298KB)
Your account charges explained (PDF, 232KB)
Payment transaction (PDF, 149KB)
Joint & Several Liability (PDF, 1.4MB)
Commercial Instant Access Account Product Summary Box (PDF, 87KB)
Commercial Call Account
Commercial Call Account Terms and Conditions (PDF, 186KB)
Your account charges explained (PDF, 2MB)
Payment Transaction (PDF, 1MB)
Joint & Several Liability (PDF, 1.4MB)
Commercial Undesignated Client Account (formerly Clients’ Call Account)
For full details of your terms and conditions please view documents below.
Commercial Undesignated Accounts Terms and Conditions (PDF, 3.3MB)
Your account charges explained (PDF, 232KB)
Payment transaction (PDF, 149KB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 104KB)
Commercial Designated Client Account
For full details of your terms and conditions please view documents below.
Commercial Designated Client Account Terms and Conditions (PDF, 3.3MB)
Commercial Designated Client Account Product Information (PDF, 133KB)
Your account charges explained (PDF, 232KB)
Payment transaction (PDF, 1MB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 104KB)
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Turnover between £3 million and £25 million
Commercial Insurer Trust Account
For full details of your terms and conditions please view documents below.
Terms and conditions (PDF, 222KB)
Your account charges explained (PDF, 232KB)
International Services (PDF, 174KB)
International Services Tariff (PDF, 149KB)
Payment transaction (PDF, 149KB)
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.
Terms and conditions (PDF, 222KB)
Your account charges explained (PDF, 232KB)
International Services (PDF, 174KB)
International Services Tariff (PDF, 149KB)
Payment transaction (PDF, 149KB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 104KB)
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Turnover less than £3 million
Business Banking Foreign Currency Account & Euro Current Account
For full details of your terms and conditions please view the documents below
Terms & Conditions (PDF, 202KB)
International Services Tariff (PDF, 1.3MB)
Joint & Several Liability (PDF, 147KB)Turnover between £3 million and £25 million
Commercial Foreign Currency Account & Euro Current Account
For full details of your terms and conditions please view the documents below
Terms & Conditions (PDF, 202KB)
Currency Account Product Factsheet (PDF, 544KB)
International Services (PDF, 174KB)
International Services Tariff (PDF, 149KB)
Need to Know (PDF, 2.98MB)
Payment Transaction (PDF, 148KB)
Joint & Several Liability (PDF, 1.4MB) -
Lloyds Business Credit Card Terms and Conditions – CCA (PDF, 206KB)
Lloyds Business Credit Card Terms and Conditions – Non CCA (PDF, 206KB)
Lloyds Business Charge Card Terms and Conditions – CCA (PDF, 197KB)
Lloyds Business Charge Card Terms and Conditions – Non CCA (PDF, 196KB)
Business Debit Card & Cashpoint Card (PDF, 239KB)
Deputyship & Appointeeship Debit Card Terms and Conditions (PDF, 167KB)
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International Moneymover
International Moneymover (PDF, 186KB)
Multibank Moneymover
Multibank Moneymover (PDF, 184KB)
Sweeping
SEPA Direct Debit Creditor Service
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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, 127KB)
Trade Finance
Trade Finance General Terms (PDF, 136KB)
Trade Services
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Selective Invoice Finance (Invoice Finance Manager)
Software terms and conditions (PDF, 237KB)
Selective Invoice Finance terms and conditions (PDF, 298KB)
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)
Business Finance Assistant Information Brochure (PDF, 77KB)
Business Finance Assistant Data Protection Notice (PDF, 74KB)
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Important Legal Information
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.
The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.
Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.
We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.