Change your business address
If you're a full access user, you can update your business, registered, mailing and personal addresses within Online for Business and the Business banking app.
Notice accounts
Grow your savings with daily interest and get access to your money when you need it.
View the summary box and check you can apply before getting started
What is a Notice Account?
A Notice Account is a great option if you’re looking for daily interest plus the flexibility to withdraw. Check our interest rates to see how your savings could grow.
You’ll need to deposit £10,000 or more. If you want to access the money, you’ll need to let us know. Choose between a 32-day notice period and a 95-day notice period - whichever you pick, that's how long you'll need to wait for your money to come out of the account. If you do withdraw money, it must be at least £10,000 and the remaining account balance must be £10,000 or more. There's no fixed term and you can always pay more money into the account.
Apply for a Notice Account
Get your extra cash working harder. Apply for a Notice Account designed for your business savings goals.
Summary box
Account name: Notice Account
What is the interest rate?
It's a variable Interest Rate, as shown below:
|
AER1 |
GROSS p.a.2 |
Notice period |
|---|---|---|
|
AER1 1.87% |
GROSS p.a.2 1.85% |
Notice period 32 days’ notice required to make withdrawal or close the account |
|
AER1 2.66% |
GROSS p.a.2 2.63% |
Notice period 95 days’ notice required to make a withdrawal or close the account |
Interest rates stated above are available as at 19/12/2025 and expire on 05/02/2026 but may be subject to change.
The interest rate is set and managed by Lloyds Bank. Interest is calculated and paid to your account daily (unless otherwise agreed).
1AER – The AER stands for Annual Equivalent Rate and is the notional rate, which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER, you’ll be able to compare more easily what return you can expect from your savings over time.
2Gross Rate – Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
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Yes. The interest rate is a managed rate set by Lloyds Bank and is subject to change.
If this change is not to your advantage, Lloyds Bank will give you 14 Days’ notice before it comes into effect.
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An illustration of an estimated future balance based on an example deposit is shown below.
Account
Initial Deposit
Gross Rate p.a.
Final Balance
Account
32 Day Notice Account
Initial Deposit
£10,000.00
Gross Rate p.a.
1.85% (variable)
Final Balance
£10,186.72
Account
95 Day Notice Account
Initial Deposit
£10,000.00
Gross Rate p.a.
2.63% (variable)
Final Balance
£10,266.48
We worked this out by assuming that:
- You hold the Account for 12 months
- You don’t withdraw any money
- Interest is calculated and paid to the Account daily
- The Interest Rate stays the same
- You make your first deposit on the day the Account is opened
- You don’t add any more money into the Account.
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To apply for a Notice Account you should:
- Need the account for business purposes
- Be a sole trader, partner or director
- Be age 18 or over
- Be based and operating in the UK (excluding Channel Islands and Isle of Man)
You can open your account either using Online for Business, business banking app, or over the phone.
You’ll need to deposit £10,000 or more up to a maximum of £5,000,000.
How to manage your account
- You can get an update on the balance in Online for Business, business banking app, or over the phone.
- You can manage the 32-day Notice Account in Online for Business or over the phone.
- You can manage the 95-day Notice Account over the phone.
- To close a 95 Day Notice Account you must provide 95 Days’ Notice.
- To close a 32 Day Notice Account, you must provide 32 Days’ Notice.
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To withdraw money you must provide either 32 or 95 Days’ notice, depending on your chosen account.
If you do withdraw money, it must be at least £10,000 and the remaining account balance must be £10,000 or more.
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New to Lloyds Bank?
No problem. You can still open a Notice Account, no existing business account needed.
Protecting your money
The Financial Services Compensation Scheme (FSCS) will protect your deposits up to the value of £120,000, subject to eligibility criteria.
Explore more from business savings
Frequently asked questions
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If you’re an existing customer and want to speak to someone, call 0345 305 5555. We’re available 8am to 5pm, Monday to Friday, excluding Bank Holidays.
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It’s quick and simple to apply for a Notice Account. If you’re an existing customer, all you need to know is the amount you want to save and your email address.
You can apply using the business banking app or Online for Business.
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If you have a 32-Day Notice Account, you can view and manage it online using Online for Business.
If you have a 95-day Notice Account, you can view it online using Online for Business and manage it by calling 0345 305 5555. We’re available 8am to 5pm, Monday to Friday, excluding Bank Holidays.
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The interest rate on your Notice Account is a managed rate set by Lloyds Bank. The rate is variable and subject to change. The rate is not directly linked to Bank Rate. However, changes in Bank Rate as well as other market and economic conditions may affect whether the rate on your Notice Account increases or decreases.
If a rate change is to your disadvantage, we’ll provide 14 days’ notice before it comes into effect. You can provide notice to close the account if you are unhappy with the new rate (either 32 days or 95 days depending on the type of Notice Account).