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Terms and conditions
if you hold any Lloyds Bank 25m+ products or services please read your applicable terms and conditions.
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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)
For full details of your terms and conditions please view documents below.
Islamic Account Terms and conditions (PDF, 423KB)
Shariah-approved banking for your business (PDF, 2.7MB)
Islamic Business Account charges (PDF, 224KB)
International Services Tariff (PDF, 1.3MB)
Joint and Several Liability (PDF, 147KB)
Turnover between £3 million and £25 million
Commercial Current Account opened between 10th October 2022 and 25th February 2024
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, 130KB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 104KB)
Joint and Several Liability (PDF, 1.4MB)
Business Current 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, 130KB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 107KB)
Joint and Several Liability (PDF, 1.4MB)
School Bank Account opened between 10th October 2022 and 25th February 2024
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, 130KB)
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, 130KB)
Summary for Debtors under the SEPA Direct Debit Schemes (PDF, 107KB)
Credit Union Account opened between 10th October 2022 and 25th February 2024
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, 130KB)
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, 130KB)
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 opened between 10th October 2022 and 25th February 2024
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, 130KB)
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, 92KB)
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, 92KB)
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
For full details of your terms and conditions please view documents below.
Commercial Undesignated Accounts Terms and Conditions (PDF, 3.3MB)
Commercial Undesignated Client Account Product Information (PDF, 132KB)
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, 130KB)
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, 130KB)
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, 264KB)
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, 237KB)
Trade Services
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Cashflow Control
Software terms and conditions (PDF, 212KB)
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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