No Fees Overseas
Get fee-free spending on your debit card in 200 countries worldwide.
International Classic account
Designed for customers who live internationally and has everything you need to carry out your day-to-day banking. The monthly fee of £5, €5, US$5 is waived when you maintain a balance of £5,000, €5,000 or US$5,000.
Ready to applyFeatures and benefits
Your benefits in more detail
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Wherever you are, we won’t charge you for using your debit card. This includes:
- making payments in a foreign currency
- taking out money in any currency from a cash machine at home or abroad
- taking out money over the counter abroad.
If you’re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.
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This accounts comes with:
- Global hotel booking and dining discounts with Visa Luxury Hotel Collection.
- Car hire discounts with Sixt.
- Support with refunds on delayed flights by Visa AirRefund.
Let's break it down
Open an International Classic account
Depending on the legislation and regulations of the country you live in, we may not be able to offer you this account.
Apply for an account today
Scan the QR code to apply.
New and existing customers can apply using our international mobile app.
Let’s look at the details
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International debit card
International debit card GBP £ - Great British Pound
USD $ - United States Dollar
€ - Euro
ATM limit
GBP £ - Great British Pound
£800
USD $ - United States Dollar
$750
€ - Euro
€750
Cash withdrawal in the same currency as your debit card
GBP £ - Great British Pound
Free (in the UK, Channel Islands or Isle of Man)
USD $ - United States Dollar
No handling fee
€ - Euro
No handling fee
Cash withdrawal in a different currency to your debit card (excluding euro from within the EEA)
GBP £ - Great British Pound
- No currency conversion fee
- No handling fee
USD $ - United States Dollar
- No currency conversion fee
- No handling fee
€ - Euro
- No currency conversion fee
- No handling fee
Euro cash withdrawals from within EEA
GBP £ - Great British Pound
- No currency conversion fee
- No handling fee
USD $ - United States Dollar
- No currency conversion fee
- No handling fee
€ - Euro
No handling fee
Card purchases in a different currency to your debit card
GBP £ - Great British Pound
No currency conversion fee
USD $ - United States Dollar
No currency conversion fee
€ - Euro
No currency conversion fee
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 or 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.
Payments
Sending funds
Sending funds International Moneymover Service*
Free:
- through online banking
- through International PhoneBank, in branch, or in writing
- through standing order
- to your other accounts held with Lloyds Banking Group.
Free
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.
Free
*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.
Receiving funds
Receiving funds Electronic bank transfer from another financial institution
Free
Cheque collection and negotiation
The correspondent bank may impose a charge based on the value of the cheque. This could be deducted from the original amount before we receive the payment.
Statements
Receiving funds Supplying copies of previous bank statements
Free
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Sterling international accounts (rates correct as of 19 March 2025)
All overdrafts are subject to our assessment of your circumstances and are repayable on demand.
Monthly fee Unarranged overdrafts Sterling international accounts
Interest rate - % per month
Equivalent Annual Rate (EAREAR 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.) /Annual Percentage Rate (APR) - % yearlyAPRAPR 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 on an assumed debit balance of £1,200 over a full 12 month period.
Unarranged overdrafts Sterling international accounts
£0+
Interest rate - % per month
1.53
Equivalent Annual Rate (EAREAR 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.) /Annual Percentage Rate (APR) - % yearlyAPRAPR 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 on an assumed debit balance of £1,200 over a full 12 month period.
19.94/23.3
The APR % assumes a debit balance of £1,200 over a full 12 month period including interest (non-compound) and any fees if applicable.
Monthly fee Total charge for credit
24.94%
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.
Currency rates - Unarranged overdrafts
Monthly fee Currency
Interest rate - % per annum
Currency
Euro
Interest rate - % per annum
5.00% + European Central Bank Rate (ECB rate)
Currency
US Dollar
Interest rate - % per annum
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.
For more information on overdraft charges on sterling International Accounts, download our Interest rates and Banking Charges Guide (PDF, 129 KB) .
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Sterling
Download our quick and secure Sterling mobile banking app to effortlessly manage your money. Get notifications, view your card and PIN, freeze your card and manage subscriptions - all in one place.
Bank your way with 24/7 access through online banking, mobile banking or telephone banking.
International mobile app (Euro and USD)Our International mobile app allows new customers to apply for accounts, log in securely, manage their finances, and make international transactions 24/7 worldwide. Additionally, it offers free international payments (subject to correspondent and/or recipient bank charges) and secure money transfers to new and existing beneficiaries.
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You can manage your account:
- in our app
- online
- in branch
- by phone.
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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). 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.
Explore your options
We want to make sure you know about our other products and services. Here’s a couple that might suit you.
Protecting your money
Depositor compensation arrangements depend on where your account is held. Accounts with Lloyds International are protected by the relevant local scheme.
