Lloyds Bank Gem®

Future-proof your cash management proposition.

Lloyds Bank Gem® and our range of API services speed up and simplify payments. Automate manual tasks like uploading payment files and downloading bank statements, so you can focus on the important stuff.

Built to reflect changes to the payments landscape, many of the individual features can be used together to help save time, enhance the running of your operation and reduce strain on resources. Benefits include:​
 

  • Real-time platform, available 24/7​
  • Automated end-to-end processing ​
  • Multilayer fraud detection​
  • Instant event notifications like payment credits ​
  • API Native, but with a range of connectivity options​
  • View data in a way that suits you.

Omni-channel convenience

One platform gives you one consistent view of information whether you connect via the online portal, host-to-host, API or Swift. You also have the flexibility to start a task in one channel and finish it in another.

Seamless payments and receipts

Set your payments to run as you want with preferences including limits and authorisations. You can even redirect incoming payments that are consistently wrong, so they go to the correct account and fix common errors like weekend value dates.

Flexible liquidity

We can provide an efficient overlay structure with direct membership of the GBP and EUR clearing systems complimented with live FX rates across 13 currencies via API.

Self-serve account structures

Open and close accounts in 13 currencies. With virtual accounts, you can streamline your account structure while improving visibility and gaining data that helps to automate reconciliation.

Actionable business insight

Powerful processing from SAP HANA allows you to carry out analytics on your accounts and transactions. Make the most of ready-made reports and upload third-party data for effective cash forecasting, identifying opportunities for improvement and informing business decisions.

Dedicated onboarding

Our dedicated onboarding and servicing team are here to guide you through the process.  Depending on your unique requirements, configuring a host-to-host connection can take around six weeks, with API implementation usually being faster and simpler.

To find out more, speak to your Relationship Manager or contact our Payments Specialist:​

Lewis Anderson
Senior Director, Transaction Banking Solutions,​
Corporate & Institutional 
Lloyds Bank International ​

Lewis.Anderson@lloydsbanking.com

Why consider host-to-host or API connectivity with your bank?
Our specialists discuss the efficiency and risk management benefits to your treasury processes. 

More on connectivity options

Unlocking Lloyds Bank Gem’s® core capabilities

Lloyds Bank Gem® is a registered trademark of Lloyds Bank plc. Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.