No Fees Overseas
Get fee-free spending on your debit card in 200 countries worldwide.
International Current Account
This account is no longer available. View our international current accounts to find an account that is right for you.
See all current accounts:
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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.
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- 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.
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Sterling accounts
No interest paid
Euro accounts
No interest paid
US Dollar accounts
No interest paid
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Charges and fees
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- A monthly fee of £7.50 will apply, or currency equivalents of €8 or $10.
- Only one fee applies if you have multiple accounts.
Note: No monthly fee is charged for the first three months, except where the account has been converted from a Premier International Current Account.
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 month
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.
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Unarranged overdrafts
Sterling international accounts (rates correct as of 05/09/2013)
Unarranged overdrafts Sterling international accounts
Sterling international accounts monthly Interest at 1.23% (EAR 15.80% / APR 22.26%)
(The APR % assumes a debit balance of £1,200 over a full 12 month period including interest (non-compound) and any fees if applicable)
Total charge for credit
23.30%
The ‘Total Charge for Credit’ rate is an indicative rate assuming a debit balance of £1,200 over a full 12 month period including interest, the effect of compound interest (charging interest on your interest) on your debt and any fees if applicable.
Notes:
- How much we lend (if any) is subject to our assessment of your personal circumstances. Overdrafts are also repayable on demand.
- EAR stands for Equivalent Annual Rate. EAR quoted includes the effect of compound interest (charging interest on your interest) and does not take into account any fees if applicable.
- APR stands for Annual Percentage Rate which represents the total cost of borrowing over a year, including both interest (non-compound) and any fees if applicable.
Currency accounts
Unarranged 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 Unarranged Overdraft charges for these accounts.
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Current charges and fees:
Things to note
Non-Lloyds Cashpoint machines (ATM) or bank branches may charge you. If so, the machine will show you the amount and tell you that it will be taken from your account when you withdraw the cash.
If you ask the cash machine operator to make the conversion, we will not charge you a currency conversion fee.
We won’t charge a cash handling fee on your sterling debit card if you:
- withdraw euro from within the EEA or UK
- withdraw euro from outside the EEA or UK and the cash machine operator’s payment service provider is based in the EEA or UK.
The European Economic Area (EEA) means the countries in the European Union plus Iceland, Norway and Liechtenstein.
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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)
(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)
£12
Correspondent Bank Fee*
Zone 2 (Rest of the world)
£20
Electronic Funds Transfer
(CHAPS payments within the British Isles)£25
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.
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Electronic Bank Transfer from another financial institution
Free
Cheque Collection
Cheque NegotiationThe correspondent bank may impose a charge based on the value of the cheque, which may be deducted from the original amount before we receive the payment.
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Supplying copies of previous bank statements
Free
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Please note there are separate versions of the terms and conditions documents for:
- accounts which until 1 August 2022 were held with Lloyds Bank (International Services) Limited (LBISL) and
- 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.
- 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, 167KB)
- SEPA Credit Transfers terms and conditions (PDF, 129KB) Lloyds Bank Corporate Markets plc.
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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
- Look for the contactless symbol when paying.
- Simply touch your contactless card against the reader.
- A beep or green light shows your payment is being processed.
- 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.
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