Product terms and conditions

For the relevant terms and conditions for your products and services below please click on the appropriate link.

Ways to bank

Internet Banking (PDF)

Commercial Banking Online - Payment Cut-off Times (PDF)

Commercial Banking Online – Standard Tariffs and Charges (PDF)

Commercial Banking Online (£0m-£25m turnover) – Terms and Conditions (PDF)

Corporate Online Conditions (PDF)

Corporate Online Tariffs and Charges (PDF)

Telephone Banking – PhoneBank® for Business (PDF)

Telephone Banking – Commercial Telephone Banking (PDF)

LloydsLink online (PDF)

LloydsLink online Tariffs and charges (PDF)

LloydsLink Dial Up (PDF)

Night safe (PDF)

Bulk Payment Services (PDF)

Code authenticator (PDF)

Text Alert (PDF)

TravelLink (PDF)

Business accounts expandable section

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)

Need to Know (PDF)

Account Charges & Processing Times (PDF)

International services tariff (PDF)

Summary for debtors under the SEPA Direct Debit Scheme (PDF)

Joint and Several Liability (PDF)

Islamic Business Account (existing customers only)

Islamic Account Terms and conditions (PDF)

Shariah-approved banking for your business (PDF)

Islamic Business Account charges (PDF)

Payment transaction (PDF)

International Services tariff (PDF)

Joint and Several Liability (PDF)

School Bank Account

For full details of your terms and conditions please view documents below.

Terms and conditions (PDF)

Need to know (PDF)

Your account charges explained (PDF)

International services tariff (PDF)

Payment transaction

Summary for Debtors under the SEPA Direct Debit Schemes (PDF)

Treasurers Account & Credit Union Account

General Conditions (PDF)

Additional Conditions for Treasurers and Credit Union Accounts (PDF)

Not for Profit Need to Know (PDF)

Additional Account Service Charges and Processing Times (PDF)

International Services tariff (PDF)

Summary for debtors under the SEPA Direct Debit Scheme (PDF)

Trustee Account

General Terms & Conditions (PDF)

Additional Conditions for Treasurers and Credit Union Accounts (PDF)

Not for Profit Need to Know (PDF)

Additional Account Service Charges and Processing Times (PDF)

International Services tariff (PDF)

Summary for debtors under the SEPA Direct Debit Scheme (PDF)

Turnover between £3 million and £25 million

Business Accounts

For full details of your terms and conditions please view documents below.

Terms and conditions (PDF)

What you need to know (PDF)

Your account charges explained (charges effective from April 2020) (PDF)

International services tariff (PDF)

Payment transaction (PDF)

Summary for Debtors under the SEPA Direct Debit Schemes (PDF)

Joint and Several Liability (PDF)

School Banking Account

For full details of your terms and conditions please view documents below.

Terms and conditions (PDF)

Need to know (PDF)

Your account charges explained (charges effective from April 2020) (PDF)

International services tariff (PDF)

Payment transaction (PDF)

Summary for Debtors under the SEPA Direct Debit Schemes (PDF)

Credit Union Account

For full details of your terms and conditions please view documents below.

Terms and conditions (PDF)

Need to know (PDF)

Your account charges explained (charges effective from Aoril 2020) (PDF)

International services tariff (PDF)

Payment transaction (PDF)

Summary for Debtors under the SEPA Direct Debit Schemes (PDF)

Terms and conditions for Over £25m turnover products and services
Savings expandable section

Turnover less than £3 million

Business Banking Instant Access Account

General Conditions (PDF)

Additional Conditions for Business Banking Instant Access Account (PDF)

Need to Know (PDF)

Additional Account Service Charges & Processing Times (PDF)

International Services tariff (PDF)

Joint and Several Liability (PDF)

Business Banking Clients Call Account

General Conditions (PDF)

Additional Conditions for Business Banking Clients Call Account (PDF)

Need to Know (PDF)

Additional Account Service Charges & Processing Times (PDF)

International Services tariff (PDF)

Designated Clients Call Account

For full details of your terms and conditions please view documents below.

Terms and conditions (PDF)

Need to know (PDF)

Your account charges explained (PDF)

Payment transaction

Summary for Debtors under the SEPA Direct Debit Schemes (PDF)

Fixed Rate Term Deposit

General Terms of Business (PDF)

Commercial Banking Markets Deposit Terms and Conditions (PDF) (to be read in conjunction with Commercial Banking Markets General Terms of Business)

32 Day GBP Notice Account

General Terms of Business (PDF)

Commercial Banking Markets Deposit Terms and Conditions (PDF) (to be read in conjunction with Commercial Banking Markets General Terms of Business)

Turnover between £3 million and £25 million

Business Instant Access Account

Business Instant Access Account Terms and Conditions (PDF)

Need to Know (PDF)

Your account charges explained (Charges effective from April 2020) (PDF)

Payment Transaction (PDF)

Joint & Several Liability (PDF)

Commercial Call Account

Commercial Call Account Terms and Conditions (PDF)

Need to Know (PDF)

Your account charges explained (Charges effective from April 2020) (PDF)

Payment Transaction (PDF)

Joint & Several Liability (PDF)

Clients' Call Account

For full details of your terms and conditions please view documents below.

Clients' Call Account Terms and conditions (PDF)

Need to know (PDF)

Terms and Conditions - High Volume Secondary Service (PDF)

Your account charges explained (Charges effective from April 2020) (PDF)

Payment transaction (PDF)

Summary for Debtors under the SEPA Direct Debit Schemes (PDF)

Designated Client Account

For full details of your terms and conditions please view documents below.

Designated Client Account Terms and conditions (PDF)

Need to know (PDF)

Your account charges explained (Charges effective from April 2020) (PDF)

Payment transaction (PDF)

Summary for Debtors under the SEPA Direct Debit Schemes (PDF)

Fixed Rate Term Deposit

General Terms of Business (PDF)

Commercial Banking Markets Deposit Terms and Conditions (PDF) (to be read in conjunction with Commercial Banking Markets General Terms of Business)

32 Day GBP Notice Account

General Terms of Business (PDF)

Commercial Banking Markets Deposit Terms and Conditions (PDF) (to be read in conjunction with Commercial Banking Markets General Terms of Business)
Cards expandable section

Lloyds Business Credit Card Terms and Conditions – CCA (PDF)

Lloyds Business Credit Card Terms and Conditions – Non CCA (PDF)

Lloyds Business Charge Card Terms and Conditions – CCA (PDF)

Lloyds Business Charge Card Terms and Conditions – Non CCA (PDF)

ClickSafe® terms of use

Frequently asked questions

Business Debit Card & Cashpoint Card (PDF)

Deputyship & Appointeeship Debit Card Terms and Conditions (PDF)
Loans and finance expandable section

Business Overdraft – for businesses with turnover up to £3m

Business Overdraft – for businesses with turnover £3m to £25m
Payment services expandable section

Teledebit (PDF)

Telepay (PDF)

BACstel IP – Direct (PDF)

BACstel IP – Indirect (PDF)

New funding and creaming facilities (PDF)

Pay & Collect Online (PDF)

Bulk Cheque Processing Service (PDF)

Branch Delivery Service (PDF)
International expandable section

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)

Trade Finance

Trade Finance General Terms (PDF)

Trade Services

Trade Services General Terms (PDF)

Turnover less than £3 million

Commercial Foreign Currency Account & Euro Current Account

For full details of your terms and conditions please view the documents below

Terms & Conditions (PDF)
International Services Tariff (PDF)
Joint & Several Liability (PDF)

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)
International Services Tariff (PDF)
Need to Know (PDF)
Payment Transaction (PDF)
Joint & Several Liability (PDF)

International Moneymover

International Moneymover (PDF)

Multibank Moneymover

Multibank Moneymover (PDF)

Virtual Banking

Virtual Banking (PDF)

Sweeping

Sweeping (PDF)

SEPA Direct Debit Creditor Service

SEPA Direct Debit Creditor Service (PDF)
Invoice Finance expandable section

Invoice Finance operating conditions

CF operating conditions

CF Part I - Definitions (PDF)

CF Part II - Provisions relating to all clients (PDF)

CF Part III - Provisions relating to Invoice Discounting clients only (PDF)

CF Part IV - Provisions relating to Factoring clients only (PDF)

CF Part V - Provisions relating to a contingent liability facility (PDF)

CF Part VI - Provisions relating to export and currency facility only (PDF)

CF Part VII - Fees and charges (PDF)

CF Part X - Debtor Protection conditions (PDF)

PLC operating conditions

PLC Part I Definitions (PDF)

PLC Part II Provisions relating to all clients (PDF)

PLC Part III Provisions relating to Invoice Discounting clients only (PDF)

PLC Part IV Provisions relating to Factoring clients only (PDF)

PLC Part VI Provisions relating to export and currency facility only (PDF)

PLC Part VII Fees and charges (PDF)

PLC Part X Debtor Protection conditions (PDF)

If you are unsure which operating condition applies to you please contact your Client Manager.
Business Finance Assistant expandable section

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)

Business Finance Assistant Information Brochure (PDF)

Important legal 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. Telephone: 020 7626 1500

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.