International Current Account

• A monthly fee of £7.50 will apply, or currency equivalents of €8 or $10.

Note: No monthly fee is charged for the first three months, except where the account has been converted from a Premier International Current Account.

• Only one fee applies if you have multiple accounts.

If you are opening more than one International account in the same name(s):

The following rules for charging apply for accounts opened in the same name(s) if you haven't told us which account to take the fee from:

• £ Sterling and US Dollar Accounts – £7.50 fee will be taken from your Sterling account
• £ Sterling and Euro Accounts – £7.50 fee will be taken from your Sterling account
• US Dollar and Euro Accounts – $10.00 fee will be taken from your US Dollar account
• £ Sterling, US Dollar and Euro Accounts – £7.50 fee will be taken from your Sterling account
• if you open more than one sole account, only one fee is payable
• if you open more than one joint account in the same names, only one fee is payable
• if you open more than one joint account in different names, then fees are payable on all accounts
• if you open a sole account and a joint account, a fee is payable on both accounts.

Planned and unplanned overdrafts

Sterling international accounts  (rates correct as of 05/09/2013)

Notes:

1. How much we lend (if any) is subject to our assessment of your personal circumstances. Overdrafts are also repayable on demand.
2. For the International (Sterling) Account the EAR quoted does not take into account the monthly fee. The Planned and Unplanned Overdraft borrowing rate EAR is calculated on the same basis. EAR stands for Equivalent Annual Rate. APR stands for Annual Percentage rate.

Currency accouts

Unplanned overdrafts on currency accounts

Annual equivalent rate

Please contact us  for the latest rates or for further information on Unplanned Overdraft charges for these accounts.

For more information on overdraft charges on sterling International Accounts, download our Overdrafts rates and charges guide (PDF, 129 KB) .

Current charges and fees

^{^}The Sterling Cash withdrawals fee for withdrawals of Euro inside the EEA was removed from 13th December 2019.

• Fees taken from the account used for the chargeable transaction.
• The conversion fee only applies when the transaction is in different currency to that of the card. For example, there is no currency conversion fee when you use a US Dollar Debit Card to draw US Dollars in cash, or to purchase goods and services in the United States.
• The European Economic Area (EEA) means the countries in the European Union plus Iceland, Norway and Liechtenstein.

^* When making an International Payment there are two charging methods:

Split Charges: Recipient and Correspondent banks abroad may charge a fee for receiving payments which will be paid by the recipient if you choose to share charges.

Pay all Charges: A Correspondent Bank Fee will be payable for international payments where you choose to pay the charges for the recipient, if you are permitted to do so based upon the destination of the payment and the type of account that you hold. The Correspondent Bank Fee replaces all Correspondent bank charges. The recipient bank may still charge its customer a fee but we cannot provide information about such a fee. The amount of the Correspondent Bank Fee depends on the location of the recipient bank.

• Customer Relationship Agreement – LBCM (PDF, 383KB)  [excluding accounts which until 1 August 2022 were held with Lloyds Bank (International Services) Limited]
• Customer Relationship Agreement – Ex-LBISL (PDF, 313KB)  [for Lloyds Bank Corporate Markets plc accounts which until 1 August 2022 were held with Lloyds Bank (International Services) Limited]
• Account terms and conditions PDF - LBCM ( PDF, 226KB) [excluding accounts which until 1 August 2022 were held with Lloyds Bank (International Services) Limited]
• Account terms and conditions – Ex-LBISL (PDF, 324KB) [for Lloyds Bank Corporate Markets plc accounts which until 1 August 2022 were held with Lloyds Bank (International Services) Limited]
• Euro and US Dollar debit card user guide and terms and conditions (PDF, 190KB)
• SEPA Credit Transfers terms and conditions (PDF, 125KB)  Lloyds Bank Corporate Markets plc

What is a debit card?

A debit card is a payment card that allows you to make transactions online and in shops for any number of goods and services, and takes payment directly from your bank account. Millions of people use debit cards, and you get one with most Lloyds Bank International current accounts.

With a debit card, you can:

• book or buy online, in shops, or over the phone
• take out money from any Cashpoint® in the UK, or cash machines around the world
• use your card worldwide, whenever you see the Visa symbol
• call us 24 hours a day if you have a problem with your Lloyds Bank International debit card.

Many debit cards are now contactless, which makes paying for everyday things even easier.

Contactless cards are designed to make your life that little bit easier. Contactless cards allow you to pay for goods up to £100 without needing to enter your PIN. Many shops, restaurants, and businesses have contactless reader devices which make transactions faster and smoother. Millions of people use contactless debit cards.

Most contactless payments will appear in the main section of your online statement within a few days. However, some transactions may show first in the ‘View pending transactions’ section.

Please note: Not all Contactless Card transactions appear immediately on your Online & Mobile Banking statements. If you can’t see a transaction please wait a few days for it to be added to your statement.

How does contactless work?

Contactless is a way of making paying for things swifter and simpler. If you have a contactless card and are paying for something in a shop, restaurant, or business that has a contactless reader, all you need to do is hold your contactless card over the reader to pay. If the price is under £100, you don’t need to even enter your PIN.

The first time you use your contactless card for a transaction, you’ll need to enter your PIN. Once you've done that, all future transactions can be contactless. You need to hold your card very close to the reader (around 2 – 4 centimetres) for it to work. If the price of the transaction is over £100, you will need to key in your PIN as normal.

For added security, every now and again you might be asked to enter your PIN for transactions under £100. This is likely to happen if you make several contactless transactions in a row.

How to use contactless

1. Look for the contactless symbol when paying.
2. Simply touch your contactless card against the reader.
3. A beep or green light shows your payment is being processed.
4. Your payment is approved.

How do I know if I have a contactless card?

All contactless cards have the contactless symbol on them. The symbol is four curved lines radiating rightwards (a lot like a Wi-Fi symbol turned on its side). It looks like this:

If you have this symbol on the front of your debit card, you can start using the contactless method of paying immediately.