International Current Account

Lloyds Bank International Current Account.

See all Current accounts:

Benefits

  • Choice of 3 currencies
  • Accounts in £, €, US$ (monthly fee applies).

  • Fee free International Payments
  • We won't charge you for sending or receiving money transfers. However, correspondent and recipient bank charges may apply.

  • 24/7 worldwide access
  • To your money with Internet Banking.

  • Visa debit cards
  • In all 3 £, €, US$ for easy worldwide access to your money.

Need to know

  • Monthly fee £7.50, €8, US$10
  • Only one fee applies if you have accounts in multiple currencies

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

  • Sterling accounts
  • Are provided by Lloyds Bank Corporate Markets plc.

  • Eligibility
  • Available in many countries but not all.

Apply for International Current Account

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  • Our International Current Account offers:

    • A choice of three currencies so you can spend without paying exchange fees (Sterling, Euro and US Dollar)
    • Free international payments: we won't charge you for sending or receiving international money transfers. However recipient and corresponding banks abroad may charge a fee for receiving payments
    • Visa debit cards in all 3 currencies for easy worldwide access to your money.
    • A monthly fee of £7.50/€8/US$10 will apply. Only one fee applies for multi-currency accounts
    • Access your salary, pay bills or send money back to your family
    • 24/7 Internet Banking
    • PhoneBank available 7am - 11pm, Monday - Friday. 8am - 4pm, Saturday. Calls may be monitored/recorded
    • 0% credit interest.
    • To be eligible you need a gross annual income of £50,000 or currency equivalent.
    • For joint accounts at least one of the applicants needs a gross annual income of that amount.
    • Alternatively you can also be eligible if you have £25,000 (or currency equivalent) to save (solely or jointly) with Lloyds Bank international banking services.
    • You also need to make an initial deposit into your account within 30 days of opening.

    Depending on legislation and regulations of the country you live in, we may not be able to offer you this account.

  • Sterling accounts

    No interest paid

    Euro accounts

    No interest paid

    US Dollar accounts

    No interest paid

    All interest rates are variable and subject to change.

Charges and fees

    • 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.

    Account currency

    Monthly fee

    Account currency

    Sterling

    Monthly fee

    £7.50 per month

    Account currency

    US Dollar

    Monthly fee

    $10 per month

    Account currency

    Euro

    Monthly fee

    €8 per monnth

    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)

    Planned overdrafts (by prior arrangement, Sterling accounts only)

    Up to £200: no interest charged

    Over £200: Monthly interest at 1.23% (EAR 15.8%)

    Unplanned overdrafts Sterling international accounts

    Sterling international accounts monthly Interest at 1.23% (EAR 15.8%)

    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

    Euro

    US Dollar

    Euro

    5.00% + European Central Bank Rate (ECB rate)

    US Dollar

    5.00% + Federal Funds Rate (FED 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

    Currency of the Premier debit card

    Fee for issuing the card

    Currency conversion fee*

    Cash withdrawals

    ATM limit

    Currency of the Premier debit card

    Sterling

    Fee for issuing the card

    FREE with international accounts

    Currency conversion fee*

    2.99%

    Cash withdrawals

    £1.50^

    ATM limit

    £500

    Currency of the Premier debit card

    US Dollar

    Fee for issuing the card

    FREE with international accounts

    Currency conversion fee*

    2.99%

    Cash withdrawals

    1.50%

    ATM limit

    $750

    Currency of the Premier debit card

    Euro

    Fee for issuing the card

    FREE with international accounts

    Currency conversion fee*

    2.99%

    Cash withdrawals

    1.50%

    ATM limit

    €750

    ^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.
  • International Moneymover Service*

    Free:

    • through Internet Banking
    • through International PhoneBank, in branch, or in writing
    • through Standing Order
    • to your other accounts held with Lloyds Banking Group.

    Correspondent Bank Fee*

    Zone 1 (USA, Canada and Europe)

    £12

    Zone 2 (Rest of the world)

    £20

    (Note: For the purposes of the Correspondent Bank Fee, Europe is defined as all EEA countries plus Jersey, Guernsey, Isle of Man, Monaco, San Marino and Switzerland)

    Electronic Funds Transfer
    (CHAPS payments within the British Isles)

    £30

    Recalling a payment

    We cannot guarantee the cancellation as funds may already have been paid to the beneficiary.

    Lloyds Bank International do not charge customers to recall a payment, however any return of funds may be subject to deductions in the form of

    • Beneficiary bank or other. institutions return payment fees.
    • Foreign bank charges.
    • Foreign exchange fluctuations.

    * 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.

  • Electronic Bank Transfer from another financial institution

    Free

    Cheque Collections

    Cheques up to £100: £5

    Cheques of £100 and above:
    25p per £100 (minimum £15, maximum £80 per cheque)

    Cheque negotiation to Sterling account

     

    The correspondent bank may impose an additional charge based on the value of the cheque.

    Cheques up to £100: £5

    Cheques of £100 and above:
    25p per £100 (minimum £15, maximum £80 per cheque)

    Cheques in a foreign currency drawn in a different country (e.g. US Dollars drawn in France, but not UK):
    25p per £100 (minimum £10, maximum £80 per cheque)

    Cheque negotiation to currency account

    The correspondent bank may impose an additional charge based on the value of the cheque.

    Cheques in the same currency as the account: £2 per cheque

    Cheques requiring currency conversion: £4 per cheque

  • Supplying copies of previous bank statements

    £5 per sheet (maximum of £10)
    An administration charge may be made for excessive requests

  • Please note there are separate versions of the terms and conditions documents for:

    1. accounts which until 1 August 2022 were held with Lloyds Bank (International Services) Limited (LBISL) and 
    2. all other accounts held with Lloyds Bank Corporate Markets plc (LBCM) which were NOT held with Lloyds Bank (International Services) Limited accounts until 1 August 2022.
  • 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:

    Graphic of a hand holding a bank card over the contacless payment logo. The logo has four curved lines radiating rightwards - imitating an airborne signal.

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

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