Relationship Managed Service
We combine modern banking with a long-standing tradition of exceptional service, offering you the flexibility and choices you need to manage your finances effectively.
Features and benefits
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Payments
Experience the ease of our quick and secure payment options. You can conveniently deposit cheques up to £10,000 by simply taking a photo and uploading it through our Mobile Banking app. A daily limit of £10,000 applies.
Free international transfers. Correspondent and recipient bank charges may apply.
Debit cardUse your Visa debit card seamlessly across the Crown Dependencies, UK, and around the world. Enjoy the convenience of tap and pay for purchases up to £100. With our mobile banking app, you can set a contactless payment limit between £30 and £95. Additionally, you can add your card to Apple Pay and Google Pay for even more flexibility. Withdraw up to £800 daily from Lloyds cash machines.
Mobile and online bankingDownload our quick and secure 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.
To apply, you need to be aged 18 or older and live in the Channel Islands or the Isle of Man.
You can also apply for this account by booking an appointment at your nearest branch.
Let’s look at the details
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Switch your current account to us in just 7 working days, using our stress-free process.Whether you want to move to Lloyds or you already bank with us and want to open a new Lloyds current account, switching is easy. Our team will do everything to ensure your switch runs smoothly, including transferring all your direct debits and standing orders to your new account for you.
You'll be able to switch your account to us at the end of your online application.
Here's how the process works:
- Working day 1
The switching begins. We contact your old bank to arrange the switch. - Working day 2
We’ll let you know your old bank has received your request. We then start transferring your payments to your new Lloyds account. - Working day 3 to 5
It’ll take a couple of days to switch over your payment arrangements, and make sure your Lloyds account is ready to go for the switch date. - Working day 6
If you’re clearing a debit balance at your old account, you’ll need to make sure there is enough money in your Lloyds account to cover the transfer. - Working day 7
Congratulations, your switch is complete. Your balance is transferred and your old account is closed. - After you switch
We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
Current Account Switch Guarantee
The Current Account Switch Service is designed to help you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take 7 working days. As your new current-account provider we offer the following guarantee.
The service is free to use and you can choose and agree your switch date with us. We’ll take care of moving all your outgoing payments, such as direct debits and standing orders, as well as incoming payments like your salary.
If you have money in your old account, we' ll transfer it to your new account on your switch date. We'll arrange for payments accidentally made to your old account to be automatically redirected to your new account. We'll also contact the sender and give them your new account details.
If there are any issues in making the switch, we'll contact you before your switch date.
We’ll refund any interest paid or lost, as well as any charges on your old or new current accounts, if anything goes wrong with the switch.
- Working day 1
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All overdrafts are subject to our assessment of your circumstances, and are repayable on demand.
Overdraft interest rates on arranged overdraft debit balances (paid monthly) - from 15 December 2025
Monthly fee Balance
Interest rate - % each 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 (APRAPR 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.) - % yearly
Balance
£0 to £50
Interest rate - % each month
0.00
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 (APRAPR 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.) - % yearly
0.00/0.00
Balance
£50+
Interest rate - % each 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 (APRAPR 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.) - % yearly
19.94/28.8
Receiving funds Total charge for credit
30.38%
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.
Overdraft interest rates on unarranged overdraft debit balances (paid monthly) - from 15 December 2025
Sending funds Balance
Interest rate - % each 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 (APRAPR 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.) - % yearly
Balance
£0+
Interest rate - % each 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 (APRAPR 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.) - % yearly
19.94/28.3
Avoiding overdraft interest charges
If your account goes over its limit you have until 2.30pm UK time to pay in money to make sure the payment goes out, but you have until midnight to avoid any overdraft interest.
If you pay in enough to clear your overdraft you will not pay any interest.
The money needs to be immediately available to use, so you could transfer money from another personal account you have with us using online banking or Telephone Banking or pay in cash over the counter in branch.
We will not charge you any other fees for an arranged overdraft but you will normally be charged interest on the amount borrowed.
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Returned item
If you don’t have enough money to make a payment and we haven’t agreed to give you or extend an unarranged overdraft, the payment won’t go through. We’ll write to you to let you know and we won’t charge you a fee for this.
Cheques
Sending funds Service
Charges
Service
Stopped cheque.
Charges
Free
Service
Returned cheque - if a cheque paid into your account is returned to us unpaid by another bank or branch.
Charges
Free
Statements
Sending funds Service
Charges
Service
We will send you regular account statements free of charge.
Charges
Free
Service
If you order an extra statement at a Lloyds Cash machine.
Charges
Free
Service
Duplicate statements.
Charges
Free
Service
Holding envelopes and parcels.
Charges
We don't offer this service anymore. Existing users please contact the branch:
Jersey: 01534 845 436 or 01534 845 269
Guernsey: 01481 706 317
Isle of Man: 01624 697 113
Alderney: 01481 822 340
Travel facilities
Sending funds Service
Charges
Service
When you buy foreign currency from us.
Charges
Free
Service
When we buy other foreign currency from you.
Charges
1.5% (minimum £3)
Service
If you have a Premier or Gold debit card.
Charges
Free
Service
If you have a Lloyds Student or Graduate account.
Charges
Free
Cash machine and debit card charges
When you withdraw cash in the UK, Channel Islands or the Isle of Man - whether at a cash machine or over the counter.
Sending funds Service
Charges
Service
Using your debit card or cash machine card at a Lloyds cash machine or branch in the UK, Channel Islands or Isle of Man.
Charges
Free
Service
Using your debit card at a non-Lloyds cash machine or non Lloyds branch in the UK, Channel Islands or Isle of Man.
Charges
Lloyds does not make a charge but the owner of the machine may. 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.
When you use yout debit card to purchase foreign currency in the UK, Channel Islands or the Isle of Man.
Sending funds Service
Charges
Service
From Lloyds branches.
Charges
We do not offer traveller cheques.
Service
From any other banks, travel agents, bureau de change and outlets displaying the Visa sign.
Charges
Lloyds does not make a charge but the provider of foreign currency may make a charge.
When you withdraw cash in a currency other than sterling - whether at a cash machine or over the counter.
Sending funds Service
Charges
Service
Using your Lloyds debit card or Cashpoint® card.
Charges
If you use your card to withdraw cash or make a payment in a currency other than sterling, the amount is converted to sterling on the day it is processed by Visa using the Visa Payment Scheme exchange rate on the day. We will charge you a non-sterling transaction fee of 2.99% of the value of the transaction. This is a fee for currency conversion. We will also charge you a non-sterling cash fee of £1.50, except for withdrawals of Euro inside the EEA where you will not be charged a non-sterling cash fee.
Where you elect to allow the cash machine operator/financial service provider to make the conversion to sterling we will only charge a foreign cash fee of £1.50, except for withdrawals of Euro inside the EEA where you will not be charged a foreign cash fee. The provider of the foreign currency may make a separate charge for conversion.
Debit card transactions in a currency other than sterling – excluding cash withdrawals, foreign currency, and travellers cheques.
Sending funds Service
Charges
Service
Using your Lloyds debit card.
Charges
If you use your card to make a payment in a currency other than sterling, the amount is converted to sterling on the day it is processed by Visa using the Visa Payment Scheme exchange rate on the day. We'll charge you a non-sterling transaction fee of 2.99% of the value of the transaction. This is a fee for currency conversion.
Administration fees
We’ll be happy to respond when you ask us for help with managing your day-to-day banking – at no charge.
But, if we have to spend a significant amount of time on a specific area, then, like professional advisers, we may charge a fee. If this seems likely, we will agree it with you before you are committed.
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We only offer travel insurance products from a single company, underwritten by AWP P&C SA and administered by Allianz Assistance which is a trading name of AWP Assistance UK Ltd. We don't give advice on travel insurance and we will not make comparisons with other similar products including those which you may currently have. You will need to make your own choice about how to proceed.
The account comes with:
- discount on AA European Breakdown cover (you'll need to make an application directly with the AA)
- global hotel booking and dining discounts with Visa Luxury Hotel Collection, Car hire discounts with Sixt and support with refunds on delayed flights by Visa AirRefund.
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Other accounts and services
Relationship managed service
We don’t do one-size-fits-all. Our Relationship Managers in Jersey, Guernsey and the Isle of Man take the time to get to know you. By understanding your unique circumstances, they’ll be able to help make your financial future as healthy as possible.
Our relationship managed service is for residents in the Channel Islands and the Isle of Man. With £250,000 (or currency equivalent) or more to deposit with Lloyds International.
Explore your options
We want to make sure you know about our other current account options. Here’s 2 that might suit you.
