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  • Commercial
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    • Lloyds Bank Gem
    • Liquidity accounts and services
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    • Liquidity accounts and services

    Liquidity accounts and services

    You can manage your cash deposits and liquidity with our bank accounts.

    Contact relationship director

    Liquidity and cash flow solutions 

    Our relationship directors will take the time to understand your needs and help find the best solutions for your business.

    Deposit accounts

    Place your business' extra funds into one of our accounts and recieve a variable interest rate that can provide a return on your cash flow.

    Current accounts

    Handle your income and expenditure, available in both Sterling and other currencies. Plus, we offer an overdraft facility.

    Corporate accounts

    Have full self serve of the account. You can set up administrators and approvers and make payments online.

    Client

    Helps with handling third-party deposits and to meet secure and regulatory requirements. Our support also reduces administrative load.

    Specialist

    Use this account as collateral for loans from other lenders. A Security Interest Agreement will be included with the account.

    • Benefits expandable section

      Non sterling currency

      Hold, send and manage foreign currencies while staying in control of exchange rates.

      Sweeping

      Automate moving funds between two or more bank accounts.

      Virtual

      Separate balances held in a physical account into various virtual accounts.

     

    We can help

    Speak to your relationship director or email our payments specialist Lewis Anderson (Senior Director, Transaction Banking Solutions)​.

    Email Lewis

    Let’s look at the details

    • Deposit accounts expandable section

      32-Day Notice account and 95-Day Notice accounts.

      • Receive a variable rate of interest.
      • Access to funds allowed provided the relevant notice period is given.
      • Available with in 32 or 95 day notice period options.
      • Also available in Euro (EUR) and United States Dollar (USD).
      • Minimum opening balance of £100,000.
      • Interest on the funds to be withdrawn will be paid at the end of the notice period.

      Sweeping and using virtual accounts are not available with this account.

    • Virtual account key features expandable section

      A virtual account structure operates beneath a physical bank account, functioning as a series of sub-ledgers linked to the main account. This setup allows you to efficiently segregate balances held in a physical account into various virtual accounts.

      This service is available for all current accounts. This is not available for deposit accounts such as the 32-Day Notice account and 95-Day Notice account.

      Types of virtual accounts

      Standard virtual accounts:
      • Also known as Non Externally Addressable Virtual Accounts.
      • Use references to redirect funds from the real account to the appropriate virtual account.
      • If payments come in or go out without a reference, they are directed to a suspense account, requiring manual allocation by clients.
      • Ideal for managing client money or internal liquidity by separating funds.
      Externally Addressable Virtual accounts (EAVA):
      • These accounts can have unique sort codes, account numbers, and IBANs, distinct from the real account.
      • The system sends payments directly to these accounts, keeping the real account details hidden from the sender.
      • Supports various needs, including Pay on Behalf of (POBO) and Receive on Behalf of (ROBO) structures.

      Benefits

      • Optimisation of real accounts. Clients can reduce the number of real accounts they hold, leading to cost savings.
      • Enhanced data access. Provides clients with enhanced data, supporting smoother reconciliation processes.
      • Automatic allocation. The system automatically allocates payments and receipts to the correct account, immediately flagging unmatched transactions.
      • Configurable routing rules. Clients can configure routing rules to further enhance reconciliation.

      This structure offers a flexible and efficient way to manage funds, streamline operations, and improve financial oversight. If you have any questions or need further details contact your relationship director.

    • Sweeping expandable section

      Move money between your accounts automatically with sweeping. It’s a smart way to bring your funds together or set money aside for investing. 

      Link two or more accounts of the same currency and set balance threshold requirements for them. Automated end-of-day transactions will fund or de-fund accounts. They’ll do this based on the target balance specified for the associated account in the structure.

      Sweeping options

      • Standard sweeping. Move funds between your Gem accounts, whether they are in the same or different currencies.
      • Multi-bank sweeping. Transfer funds to and from third-party banks, but only in the same currency.

    Current accounts

    • Corporate expandable section

      This account gives you the flexibility to improve your cash management and support your business growth. It provides banking solutions for local and international needs.

      Everything is on one platform for consistency. So whether you connect via the online portal, host-to-host, API or SWIFT, you will see the same information as your clients. This consistency grants you the flexibility to start a task in one channel and finish it in another.

      You can connect with our foreign exchange specialists and use our online services.

      We offer both interest bearing and non-interest bearing accounts in Sterling (GBP) and in the following currencies:

      • United States Dollar (USD)
      • Euro (EUR)
      • Danish Krone (DKK)
      • Swiss Franc (CHF)
      • Norwegian Krone (NOK)
      • Swedish Krone (SEK)
      • Canadian Dollar (CAD)
      • Hong Kong Dollar (HKD)
      • Japanese Yen (JPY)
      • Singapore Dollar (SGD)
      • Australian Dollar (AUD)
      • New Zealand Dollar (NZD)
      • South African Rand (ZAR).

    • Non-sterling currency expandable section

      If you hold a sterling business account, you might need to make or receive payments in foreign currencies. A non-sterling Currency account helps you manage your international transactions effectively. These accounts allow you to hold foreign currency balances, handle international payments and manage your exchange rate exposures.

      We offer both interest bearing and non-interest bearing non-sterling current accounts in 14 currencies:

      • Sterling (GBP)
      • United States Dollar (USD)
      • Euro (EUR)
      • Danish Krone (DKK)
      • Swiss Franc (CHF)
      • Norwegian Krone (NOK)
      • Swedish Krone (SEK)
      • Canadian Dollar (CAD)
      • Hong Kong Dollar (HKD)
      • Japanese Yen (JPY)
      • Singapore Dollar (SGD)
      • Australian Dollar (AUD).
      • New Zealand Dollar (NZD)
      • South African Rand (ZAR).

    • Interest bearing and non-interest bearing expandable section

      We offer both interest bearing and non-interest bearing current accounts in 14 currencies including Sterling (GBP) and Euro (EUR).

      Non-interest bearing current accounts

      We don't pay credit interest and we'll charge unauthorised borrowing interest if the account goes into excess.

      Interest bearing current accounts

      Credit interest will be paid subject to an agreed reference rate and we'll charge unauthorised borrowing interest if the account goes into excess.

      Interest settlement frequency

      Clients will be able to select their interest settlement frequency for Interest Bearing accounts. The default option will be monthly. It will occur on the last day of the month. Clients can select from daily, weekly, monthly, and quarterly options. They can also specify a particular day or date within that period.

      Bank statements

      Clients will be able to select their legal bank statement frequency (not applicable to Notice Deposit accounts). The default payment schedule is monthly and occurs on the last day of the month. Clients have several options to choose from. They can opt for weekly payments on a specific day. Monthly payments can be set for a particular date. Clients can also choose quarterly, half-yearly, or yearly payments.

      Available currencies

      • Sterling (GBP)
      • United States Dollar (USD)
      • Euro (EUR)
      • Danish Krone (DKK)
      • Swiss Franc (CHF)
      • Norwegian Krone (NOK)
      • Swedish Krone (SEK)
      • Canadian Dollar (CAD)
      • Hong Kong Dollar (HKD)
      • Japanese Yen (JPY)
      • Singapore Dollar (SGD)
      • Australian Dollar (AUD).
      • New Zealand Dollar (NZD)
      • South African Rand (ZAR).

    • Client accounts expandable section

      If your business manages money on behalf of others, we offer secure and transparent accounts to help you do it with confidence. We’ll support you in meeting regulations and make day-to-day admin easier too.

      Corporate Undesignated Client account

      Also referred to as a General Client account or Pooled account, an Undesignated Client account enables you to hold client funds for multiple customers on a pooled basis. Only clients regulated by professional bodies can access this service. The Bank acknowledges these bodies for keeping high standards in anti-money laundering.

      14 currencies available

      Sterling (GBP), United States Dollar (USD), Euro (EUR), Danish Krone (DKK), Swiss Franc (CHF), Norwegian Krone (NOK), Swedish Krone (SEK), Canadian Dollar (CAD), Hong Kong Dollar (HKD), Japanese Yen (JPY), Singapore Dollar (SGD), Australian Dollar (AUD), New Zealand Dollar (NZD), South African Rand (ZAR).

      Undesignated Client Notice accounts

      There are 32-Day Notice account and 95-Day Notice accounts.

      • Receive a variable rate of interest.
      • Access to funds allowed provided the relevant notice period is given.
      • Available with in 32 or 95 day notice period options.
      • Also available in Euro (EUR) and United States Dollar (USD).
      • Minimum opening balance of £100,000.
      • Interest on the funds to be withdrawn will be paid at the end of the notice period.

      Sweeping and using virtual accounts are not available with this account.

    • Specialist expandable section

      Pledged accounts

      A versatile tool that can be used in any lending structure across various sectors.

      Here's how they work and what you need to know:

      • Security for third parties. If a third party takes security in the form of a charge against an account you have with us, you'll need to request that we waive our right to set off balances. This means we recognise the third party's claim if you default on your obligations to them.
      • Instant access to funds. You can access your funds instantly, as long as there are cleared funds available on an unblocked account.  If the account is blocked you will not have access to the funds.
      • Continued operation. Your pledged accounts will continue to operate under the same terms and conditions as your existing current account, unless we are notified of your default.
      • Default scenario. If we are notified that you have defaulted, the third-party charge holder can take control of the funds in the pledged account, provided they meet our Know Your Customer (KYC) compliance standards.
      • Online access. You can view the pledged accounts through our online digital channel.

      14 currencies available

      Sterling (GBP), United States Dollar (USD), Euro (EUR), Danish Krone (DKK), Swiss Franc (CHF), Norwegian Krone (NOK), Swedish Krone (SEK), Canadian Dollar (CAD), Hong Kong Dollar (HKD), Japanese Yen (JPY), Singapore Dollar (SGD), Australian Dollar (AUD), New Zealand Dollar (NZD), South African Rand (ZAR).

    Islands commercial banking

    Banking for businesses operating in the Channel Islands or the Isle of Man.

    Explore your options

    Islands commercial banking

    Banking for businesses operating in the Channel Islands or the Isle of Man.

    Explore your options

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    Lloyds Bank Corporate Markets plc is authorised and regulated in the UK as the non-ring-fenced bank of the Lloyds Banking Group. The Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc are each separately licensed as regulated deposit-takers in their respective jurisdictions. Lloyds Bank Corporate Markets plc is independent from Lloyds Bank plc, which is authorised and regulated in the UK as the ring-fenced bank of the Lloyds Banking Group. For more information on ring-fencing visit lloydsbank.com/international/ringfencing.html.

    Lloyds Bank Corporate Markets plc. registered office: 25 Gresham Street, London, EC2V 7HN. Incorporated in England and Wales with company number 10399850. Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256. Authorisation can be checked on the Financial Services Register.

    The Jersey branch of Lloyds Bank Corporate Markets plc, principal place of business 9 Broad Street, St Helier, Jersey, JE2 3RR, is regulated by the Jersey Financial Services Commission.

    The Guernsey Branch of Lloyds Bank Corporate Markets plc, principal place of business 1 Smith Street, St Peter Port, Guernsey GY1 2JN, is licensed by the Guernsey Financial Services Commission.

    The Isle of Man branch of Lloyds Bank Corporate Markets plc, principal place of business Villiers House, 2 Victoria Street, Douglas, Isle of Man, IM1 2LN, is licensed by the Isle of Man Financial Services Authority. Our international services are offered by Lloyds Bank Corporate Markets plc. See Company Information. Whilst our services will be available to many customers, there are countries where, due to legal or regulatory restraints, we cannot provide them.

    Lloyds Bank Corporate Markets plc, Jersey Branch is a participant in the Jersey Banking Depositor Compensation Scheme, the Isle of Man Branch is a participant in the Isle of Man Depositors’ Compensation Scheme and the Guernsey Branch is a participant in the Guernsey Banking Deposit Compensation Scheme. Further details of the schemes are available from Company Information. 

    Complaints involving the Isle of Man branch of Lloyds Bank Corporate Markets plc that it cannot settle should be referred to the Financial Services Ombudsman Scheme in the Isle of Man. Complaints involving the Jersey and Guernsey branches of Lloyds Bank Corporate Markets plc that it cannot settle should be referred to the Channel Islands Financial Ombudsman.

    View our information on how to complain.