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

    Liquidity accounts and services

    Manage cash balances, liquidity and account structures to support day-to-day operations and longer-term treasury needs.

    Speak to a payments specialist

    or contact your relationship manager.

    For Information

    These services are designed for businesses operating in the Channel Islands or the Isle of Man and are provided by Lloyds Bank Corporate Markets a wholly owned subsidiary of Lloyds Banking Group plc.

    Discover our products 

    Our relationship directors work with you to understand your cash flow needs and put the right account structures in place to support day-to-day operations and liquidity management.

    Deposit accounts

    Manage surplus business funds with notice-based deposit accounts that help your cash work harder.

    Suitable for short to medium term balances, available in sterling and selected foreign currencies.

    Deposit accounts

    Current accounts

    Manage day to day business income and expenditure with support for payments, receipts and cash flow.

    Make domestic and international transactions in sterling and multiple currencies, with a choice of interest and non-interest-bearing accounts.

    Current accounts

    Client accounts

    Hold and manage client money securely with account structures designed for businesses handling third party funds.

    Supports safeguarding and regulatory requirements, with pooled and designated options to help reduce administrative effort.

    Client accounts

    Specialist accounts

    Support structured deposit arrangements for more complex banking needs, with funds held as security in line with agreed terms.

    Designed to work alongside your existing accounts as part of a structured banking approach.

    Specialist accounts

    • Benefits and additional features expandable section

      Additional features available across selected accounts.

      Non-sterling currency

      Hold and manage balances in selected foreign currencies to support international activity and control exposures.

      Automatic sweeping 

      Automatically move funds between accounts to help manage balances and support liquidity management.

      Virtual accounts

      Use virtual accounts to separate balances within a physical account, improving visibility and reconciliation.

     

    We can help

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

    Email Lewis

    Deposit accounts

    Manage surplus funds through notice and fixed-term deposit accounts designed to support liquidity planning, operational reserves and future funding requirements.

    Fixed Term Deposit Accounts

    Place surplus funds for an agreed term and earn a fixed rate of interest, helping support cash flow planning and future funding requirements.

    1 Month Fixed Term Deposit

    Short-term access to fixed returns

    Key features:

    • Fixed interest for 1 month
    • Suitable for short-term surplus funds
    • Known return at maturity

    2 Month Fixed Term Deposit

    Fixed returns over a short timeframe

    Key features:

    • Fixed interest for 2 months
    • Suitable for short-term cash planning
    • Known return at maturity

    3 Month Fixed Term Deposit

    Short-term fixed returns

    Key features:

    • Fixed interest for 3 months.
    • Suitable for short-term surplus funds.
    • Known return at maturity.

    6 Month Fixed Term Deposit

    Balance flexibility and returns

    Key features:

    • Fixed interest for 6 months.
    • Supports medium-term planning.
    • Known return at maturity.

    9 Month Fixed Term Deposit

    Extended certainty on returns

    Key features:

    • Fixed interest for 9 months.
    • Suitable for longer cash planning. 
    • Known return at maturity.

    12 Month Fixed Term Deposit

    Maximise certainty over a longer term​‌

    Key features:

    • Fixed interest for 12 months.
    • Designed for longer-term surplus funds.
    • Known return at maturity.

    • Fees, terms and availability expandable section

      Funds are held for the agreed fixed term and are intended to remain on deposit until maturity.

      Early withdrawals are not normally available and may be subject to specific terms.

      Interest rates are fixed for the duration of the agreed term.

      Bespoke rates and terms may be available, subject to agreement with your Relationship Manager and applicable eligibility criteria.​‌

      Available in Sterling (GBP), Euro (EUR) and US Dollar (USD).

      Minimum deposit of £10,000, €10,000 or US$10,000 applies.

      Availability, eligibility criteria and account terms apply.

    Notice Accounts

    Access funds after an agreed notice period, including 32 and 95 day options. Suitable for maintaining liquidity while earning interest.

    32-Day Notice Account 

    Key features:

    • 32-day notice required for withdrawals.
    • Variable rate of interest.
    • Suitable for short-term surplus balances.
    • Available in GBP, EUR and USD.
    • Minimum balance £100,000.

    95-Day Notice Account

    Key features:

    • 95-day notice required for withdrawals.
    • Variable interest rate.
    • Designed for medium-term surplus funds.
    • Available in GBP, EUR and USD.
    • Minimum balance £100,000.

    • Fees, terms and availability expandable section

      Funds are accessible subject to the agreed notice period (32 or 95 days)

      • Interest is variable and will apply for the duration of the notice period.
      • Interest on withdrawn funds is paid at the end of the notice period.
      • Available in Sterling (GBP), Euro (EUR) and US Dollar (USD).
      • Minimum opening balance of £100,000 applies.
      • Sweeping and virtual account functionality are not available on notice accounts.
      • Account terms and eligibility requirements apply.

    Current accounts

    Flexible accounts to manage payments, balances and day-to-day business operations.

    • Fees and account information expandable section

      • Accounts available in Sterling (GBP) and selected foreign currencies.
      • Charges apply depending on transaction type and account usage.
      • International payments and currency conversion may incur additional costs.
      • Interest-bearing and non-interest-bearing options are available.
      • Eligibility and onboarding requirements apply.

    Client accounts

    Find the best client account for your needs.

    Client Fixed Deposit Account

    Place client funds in a fixed term deposit arrangement while maintaining designated or undesignated client account structures. Earn a fixed rate of interest for an agreed term with a known maturity value.​‌

    Designated Client Account

    Hold client funds in separately designated accounts for clear ownership and transparency. Supports reconciliation and reporting requirements, suitable where fund segregation is required.

    Undesignated Client Account

    Manage client funds in a pooled account with internal records to track individual balances. Suitable for higher volumes of transactions, with a flexible structure to support day-to-day administration.

    Client Notice Account

    Place client funds in a notice account arrangement while maintaining designated or undesignated client account structures. Suitable where funds are not required immediately and can be accessed after an agreed notice period.​‌

    • What is a Designated Client Account? expandable section

      A Designated Client Account holds money for each client in their own individually named account. This structure provides clear separation between client funds and makes it easier to identify ownership of money at any point in time. It is typically used where transparency and client-level reporting are important.

    • What is an Undesignated Client Account? expandable section

      An Undesignated Client Account holds money from multiple clients in a single pooled account. Individual balances are recorded separately within your own systems rather than at account level. This structure can be more efficient for managing higher volumes of transactions and day‑to‑day administration.

    • How do I choose the right type of client account? expandable section

      The right structure depends on how you manage client money and your operational needs. You may prefer a designated account if you need clear separation of funds for each client. An undesignated account may be more suitable if you manage multiple transactions and prefer a pooled approach supported by internal records.

    • Can I hold multiple client accounts? expandable section

      Yes, you can hold different types of client accounts depending on how you manage client funds. You may use a combination of account structures to support different client arrangements or operational requirements

    • Can client funds be held for fixed terms or notice periods? expandable section

      Yes, client funds may also be held in a Client Fixed Deposit Account or Client Notice Account while maintaining designated or undesignated client account structures.

      Client Fixed Deposit Accounts may be suitable where funds can be placed for an agreed term in return for a fixed rate of interest. Client Notice Accounts may be suitable where access to funds may be required following an agreed notice period.

      The most suitable option will depend on your access requirements, operational needs and how client funds are managed. Terms, eligibility criteria and account conditions apply.

    Specialist accounts

    Accounts designed to support structured arrangements and more complex operational or lending requirements.

    Pledged Accounts

    Pledged Accounts are designed to support secured borrowing and are closely aligned with wider lending and financing structures. They work alongside your standard current accounts, with funds held in line with agreed security terms. This structure provides greater control and supports more organised, structured financial arrangements.

    • Account features, fees and availability expandable section

      Pledged Accounts operate under standard current account terms unless a default is notified.

      Where a third‑party charge exists, control of funds may transfer to the charge holder subject to Know Your Customer (KYC) requirements.

      Pledged Accounts form part of a secured structure supported by a Security Interest Agreement.

      Specialist Accounts are subject to agreed legal, security and operational arrangements.

      Availability and setup depend on account structure and approval.

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    Lloyds Bank Gem

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    Lloyds Bank Gem

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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.