No Fees Overseas
Get fee-free spending on your debit card in 200 countries worldwide.
Features 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 in pounds sterling, the provider handling the currency conversion may still charge you.
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How do I access airport lounges using Priority Pass?
Download the Priority Pass app from your app store or register on the Priority Pass website.
You’ll get 3 complimentary lounge visits each year. After that, you’ll be charged £24 for each visit.
To access a lounge, you must either:
- show your Visa Signature debit card and identify yourself as a Priority Pass member
- show your QR code in the Priority Pass app.
Additional information
- Lounge access is subject to availability.
- Extra guests are charged £24 for each visit.
- If you do not identify yourself as a Priority Pass member before entering, a charge may apply.
Can I pre-book airport lounges using Priority Pass?
Most airport lounges are available on a walk-in basis, so you do not usually need to book in advance. If pre-booking is available, the fee will vary and will be shown when you book.
To pre-book, log in to your Priority Pass account using the app or website. Find your lounge and select pre-book, if the option is available.
How does my additional cardholder use Priority Pass?
Additional cardholders can get their own Priority Pass membership by registering through the Priority Pass website or app.
When they visit a lounge, they should either:
- show their Visa Signature debit card and identify themselves as a Priority Pass member
- show their QR code in the Priority Pass app.
Additional cardholders should not be added as guests under your membership, as this could result in lounge access charges. Charges may also apply if they do not identify themselves as a Priority Pass member before entering the lounge.
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We only offer products from a single company, underwritten by AWP P&C SA and administered by Allianz Assistance. We do not give advice on travel insurance, and we will not make comparisons with other similar products including those which you may already have. You will need to make your own choice about how to proceed.
It covers you and your eligible family whether travelling together or separately. Certain restrictions may apply to travel for your dependent children.
Important - Pre-existing medical conditions are not covered. If you have serious medical conditions or have received treatment for them in the past and need to cover these on your travel insurance, the Money and Pensions Service (MaPS) has launched a new directory which lists firms which could offer travel insurance for you.
You can access the directory on the Money Helper website. If this is relevant to you, consider whether the travel insurance included with this account is right for you.
Details of the services we provide are included in the welcome pack you’ll receive but you can also read the terms and conditions (PDF, 545KB) for a summary of what is covered.
This account also includes:
- airport lounge access through Priority Pass
- global hotel and dining discounts through the Visa Luxury Hotel Collection
- car hire discounts with Sixt
- support with compensation claims for delayed flights through Visa AirRefund.
These benefits are provided by third parties through Visa® and may be changed or withdrawn at any time.
Let's break it down
Open an International Plus 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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All overdrafts are subject to our assessment of your circumstances and are payable on demand.
Monthly fee GBP £ - Great British Pound
GBP £ - Great British Pound
ATM limit
£800
GBP £ - Great British Pound
Cash withdrawal in the same currency as your debit card
Free (in the UK, Channel Islands or Isle of Man)
GBP £ - Great British Pound
Cash withdrawal in a different currency to your debit card (excluding euro from within the EEA)
- No currency conversion fee
- No handling fee
GBP £ - Great British Pound
Euro cash withdrawals from within EEA
- No currency conversion fee
- No handling fee
GBP £ - Great British Pound
Card purchases in a different currency to your debit card
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*
- 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 2 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 have. The Correspondent Bank Fee replaces all Correspondent bank charges. The recipient bank may still charge its customer a fee but we cannot give 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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Monthly fee Unarranged overdrafts Sterling international accounts
Interest rate - % per month
Equivalent Annual Rate (EAR)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 (EAR)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.
19.94/38.3
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
39.94%
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)
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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You can manage your account:
- in our app
- online
- in branch
- by phone.
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There are separate versions of the terms and conditions documents for accounts which until 01 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.
- Allianz travel insurance benefit from 28 October 2021 (PDF, 261KB). This benefit does not apply to accounts which until 1 August 2022 were held with Lloyds Bank (International Services) Limited.
- 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.
