Product terms and conditions
Ways to bank
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)
Corporate Online Conditions (PDF, 126KB)
Corporate Online Tariffs and Charges (PDF, 59KB)
Telephone Banking – PhoneBank® for Business (PDF, 192KB)
Telephone Banking – Commercial Telephone Banking (PDF, 147KB)
LloydsLink online (PDF, 175KB)
LloydsLink online Tariffs and charges (PDF, 61KB)
LloydsLink Dial Up (PDF, 1123KB)
Bulk Payment Services (PDF, 211KB)
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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)
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)
International Services tariff (PDF)
Joint and Several Liability (PDF)
School Bank Account
For full details of your terms and conditions please view documents below.
Your account charges explained (PDF)
International services tariff (PDF)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF)
Treasurers Account & Credit Union Account
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.
Your account charges explained (PDF)
International services tariff (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.
Your account charges explained (PDF)
International services tariff (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.
Your account charges explained (PDF)
International services tariff (PDF)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF)
Terms and conditions for Over £25m turnover products and services
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Turnover less than £3 million
Business Banking Instant Access Account
Additional Conditions for Business Banking Instant Access Account (PDF)
Additional Account Service Charges & Processing Times (PDF)
International Services tariff (PDF)
Joint and Several Liability (PDF)
Business Banking Clients Call Account
Additional Conditions for Business Banking Clients Call Account (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.
Your account charges explained (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)
Turnover between £3 million and £25 million
Business Instant Access Account
Business Instant Access Account Terms and Conditions (PDF)
Your account charges explained (PDF)
Joint & Several Liability (PDF)
Commercial Call Account
Commercial Call Account Terms and Conditions (PDF)
Your account charges explained (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)
Terms and Conditions - High Volume Secondary Service (PDF)
Your account charges explained (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)
Your account charges explained (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)
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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 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.
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 (PDF)
International Services Tariff (PDF)
Need to Know (PDF)
Payment Transaction (PDF)
Joint & Several Liability (PDF)International Moneymover
International Moneymover (PDF)
Multibank Moneymover
Virtual Banking
Sweeping
SEPA Direct Debit Creditor Service
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Selective Invoice Finance (Invoice Finance Manager)
Software terms and conditions (PDF, 239KB)
Single Invoice Finance terms and conditions (PDF, 320KB)
Ongoing 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, 98KB)
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)
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.