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Island Gold Account

A current account that gives you a range of rewarding benefits for a £9 monthly fee. It’s designed specifically for customers in Jersey, Guernsey, Alderney and the Isle of Man.

Features and benefits

  • Multi trip worldwide family travel cover including, if eligible, your spouse, civil partner or partner and children.
  • Discount on AA European Breakdown Cover.
  • Commission-free travel money.
  • Card Loss Assistance.
  • Free international transfers - send and receive money internationally for free. (Correspondent and recipient bank charges may apply).
  • Debit card and easy access to manage your money.
  • Available in Sterling.

For more details on who provides these account benefits, see our FAQs.

Help with your arranged overdraft

To ask for a temporary 3 month period interest and fee-free on your arranged overdraft, please contact us before 31 October 2020.

Overdraft interest charges

Travel insurance update

Guidance in case your travel plans are affected by the Coronavirus (COVID-19).

Find out more

Eligibility

You must be a personal customer aged 18 years or over. You must be ordinarily resident in the Channel Islands or Isle of Man.

Current interest rate

Overdraft interest rates

Overdraft interest rates on Planned and Unplanned Overdraft debit balances (paid monthly) - from 2 October 2012:

Balance

Interest rate - % per month

Equivalent Annual rate (EAREquivalent Annual Rate excluding any changes which may be applicable.) - % yearly

Balance

£0 - £100

Interest rate - % per month

0.00

Equivalent Annual rate (EAREquivalent Annual Rate excluding any changes which may be applicable.) - % yearly

0.00

Balance

£100 +

Interest rate - % per month

1.37

Equivalent Annual rate (EAREquivalent Annual Rate excluding any changes which may be applicable.) - % yearly

17.77

  • Monthly account fee

    A monthly fee of £9 will apply.

    Avoiding overdraft charges

    If your account goes over its limit you have until 2.30pm (UK time) to pay in money to avoid Returned Item Fees and ensure the payment goes out, but you have until midnight to avoid any overdraft fees and interest.

    • If you pay in enough to clear your overdraft you will not pay any fees or interest.
    • If you only clear an Unplanned Overdraft, but are within a Planned Overdraft, you will still pay a Monthly Overdraft Usage Fee.

    The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Internet Banking or Telephone Banking or pay in cash over the counter in branch.

    Overdraft fees

    We will charge you the following fees for all overdrafts, whether planned overdrafts or unplanned overdrafts:

    Overdraft amount

    Fee

    Overdraft amount

    Up to £10

    Fee

    No fee

    Overdraft amount

    Above £10

    Fee

    £6 monthly overdraft usage fee.
    Only payable if you're overdrawn by more than £10 of your agreed overdraft limit.

    We will not charge you any other fees for a Planned Overdraft but you will normally be charged interest on the amount borrowed.

    Unplanned overdraft

    If we agree to your request for an unplanned overdraft, we will charge you the following fees:

    Unplanned overdraft balance

    Fee amount

    Description

    Unplanned overdraft balance

    £10 or less

    Fee amount

    £0 (Buffer applies)

    Description

    You will pay a daily fee for using an Unplanned Overdraft. The amount of the fee will be worked out at the end of each day (including weekends and bank holidays) on the balance of your Unplanned Overdraft.

    We will charge you a maximum of eight daily fees in a monthly billing period.

    Unplanned overdraft balance

    More than £10 but less than £25

    Fee amount

    £5 a day

    Description

    You will pay a daily fee for using an Unplanned Overdraft. The amount of the fee will be worked out at the end of each day (including weekends and bank holidays) on the balance of your Unplanned Overdraft.

    We will charge you a maximum of eight daily fees in a monthly billing period.

    Unplanned overdraft balance

    £25 or more

    Fee amount

    £10 a day

    Description

    You will pay a daily fee for using an Unplanned Overdraft. The amount of the fee will be worked out at the end of each day (including weekends and bank holidays) on the balance of your Unplanned Overdraft.

    We will charge you a maximum of eight daily fees in a monthly billing period.

    Returned item

    Where you do not have enough available money to make a payment and we do not agree to give you or extend an Unplanned Overdraft, you will not be able to make that payment.

    We will write to tell you we have declined your request. We will charge you the following fee:

    Returned item fee

    Returned item fee

    £10 for each item. We will charge you up to a maximum of three Returned Item Fees a day. This fee will not be charged if the amount of the payment that we decline is £10 or less.

    Using other servicesPlease note the information in this section applies to customers with sterling accounts only. Please contact us if you have a Euro account or US dollar account.

    Service

    Charges

    Service

    Stopped cheque

    Charges

    Free

    Service

    Special cheque presentation

    Charges

    £15

    Returned cheque

    Service

    Charges

    Service

    If a cheque paid into your account is returned to us unpaid by another bank or branch.

    Charges

    Free

    Statements

    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 Bank Cashpoint.

    Charges

    Free

    Service

    Duplicate statements

    Charges

    £5 per requestAn administration charge may be made for excessive requests.

    Service

    Banker’s draft/cheque (sterling)

    Charges

    £10

    Service

    Holding envelopes and parcels

    Charges

    This service is no longer available. Existing users please contact the branch:

    Jersey: 01534 845436 or 01534 845269
    Guernsey: 01481 706317
    Isle of Man: 01624 697113
    Alderney: 01481 822340

    Travel facilities

    Service

    Charges

    Service

    When you buy foreign currency or foreign currency travellers cheques from us.

    Charges

    Free

    Service

    When you buy sterling travellers cheques from us.

    Charges

    1.5% (minimum £3)

    Service

    When we buy from you Sterling American Express or other currency travellers cheques which you bought from us.

    Charges

    Free

    Service

    When we buy other travellers cheques or foreign currency from you.

    Charges

    1.5% (minimum £3)

    Service

    If you have a Premier or Executive Gold Debit Card.

    Charges

    Free

    Service

    If you have a Student or Graduate account

    Charges

    Free

    Service

    When you buy travellers cheques or foreign currency using a Lloyds Bank Premier, Platinum, Gold or Classic Credit Card.

    Charges

    Free

    Cashpoint® and debit card chargesPlease note the information in this section applies to customers with sterling accounts only. Please contact us if you have a Euro account or US dollar account.

    When you withdraw cash in the UK, Channel Islands or Isle of Man (whether at an ATM or over the counter):

    Service

    Charges

    Service

    Using your debit card or Cashpoint® card at a Lloyds Bank Cashpoint® machine or branch in the UK, Channel Islands or Isle of Man.

    Charges

    Free

    Service

    Using your debit card at a non-Lloyds Bank Cashpoint® machine or non Lloyds Bank branch in the UK, Channel Islands or Isle of Man.

    Charges

    Lloyds Bank 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 your debit card to purchase foreign currency or travellers cheques in the UK, Channel Islands or Isle of Man:

    Service

    Charges

    Service

    From Lloyds Bank branches.

    Charges

    Foreign currency and foreign currency traveller’s cheques: free. Sterling traveller’s cheques: 1.5% of the amount with a minimum transaction charge of £3.00. You won’t pay this fee if you order sterling travellers cheques over the phone and collect from a branch.

    Service

    From any other banks, travel agents, bureau de change and outlets displaying the Visa sign.

    Charges

    Lloyds Bank does not make a charge but the provider of foreign currency or travellers cheques may make a charge.

    When you withdraw cash in a currency other than sterling (whether at an ATM or over the counter):

    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.

    When you use your debit card to make a purchase or other transaction (not cash withdrawal, foreign currency or travellers cheque purchase) in a currency other than sterling whether you are in the UK, Channel Islands, Isle of Man or abroad:

    Service

    Charges

    Service

    Using your Lloyds Bank 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 will charge you a non-sterling transaction fee of 2.99% of the value of the transaction. This is a fee for currency conversion.

    The European Economic Area (EEA) means the countries in the European Union plus Iceland, Norway and Liechtenstein.

    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.

This product is designed for customers living in the Channel Islands or the Isle of Man.

Information on our current accounts for customers in the United Kingdom.

Frequently asked questions

  • There is no minimum opening balance for the Island Gold Account.

  • There is a monthly fee of £9 for the Island Gold Account. For this fee you get a range of rewarding benefits such as multi trip worldwide family travel cover including, if eligible, your spouse, civil partner or partner and children.

  • That's completely down to you. There's no limit on how much you can hold in your account.

  • The Island Gold Account is only available in Sterling.

  • You can move your existing account easily from another bank or building society.

    Once your account is open, we will transfer everything safely and securely in 7 working days, with the Current Account Switch Service.

    The Current Account Switch Guarantee (PDF)

    Read the Current Account Switch Service Guide (PDF)

    Click here for answers to some frequently asked questions about the service

    Switch guarantee logo.
  • You can access your money whenever you need to, either in branch, over the phone using PhoneBank or Internet Banking. If you're withdrawing cash from an ATM, there is a daily limit of £500.

  • Yes, you can use Mobile Banking with your Island Gold Account.

    With Mobile Banking you can check your balances, pay bills, deposit cheques, transfer money and make international payments all from your smartphone.

    To start using Mobile Banking, set up internet banking for your account and download our Mobile Banking app.

    Find out more about Mobile Banking

  • If you go overdrawn by £10 or less on your Island Gold Account, there are no overdraft fees to pay.

    An interest and fee-free overdraft of £100 is available on this account. You need to apply for this in advance and we need to approve it.

    If your account goes over its limit, you’ll have until 2.30pm (UK Time) to pay money into your account to avoid Returned Item Fees and ensure the payment goes out, but you have until midnight to avoid overdraft fees and interest. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Internet Banking or Telephone Banking or pay in cash over the counter in branch.

  • If you have an Island Gold Account you can apply for a personal loan. Lending is subject to status. Terms and conditions apply.

  • We only offer travel insurance products from a single company, underwritten by AXA Insurance UK plc. We do not provide advice on travel insurance and we will not make comparisons with other similar products including those which you may currently hold. You will need to make your own choice about how to proceed.

    The account comes with other additional benefits:

    • discounted European breakdown cover provided by the AA
    • Card Loss Assistance provided by Citymain Administration.
  • If you need extra information, please call 03457 449900.

    Lines are open 6am to Midnight UK time, 7 days per week.

    To ensure security for our customers and staff and to help maintain service quality, some calls may be recorded and monitored. Call costs may vary depending on your service provider.

  • A debit card is a payment card that allows you to make transactions online and in shops for any number of goods and services, and takes payment directly from your bank account. Millions of people use debit cards, and you get one with most Lloyds Bank International current accounts.

    With a debit card, you can:

    • book or buy online, in shops, or over the phone
    • take out money from any Cashpoint® in the Islands, or cash machines around the world
    • use your card worldwide, whenever you see the Visa symbol
    • call us 24 hours a day if you have a problem with your Lloyds Bank International debit card.
  • Many debit cards are now contactless, which makes paying for everyday things even easier.

    Contactless cards allow you to pay for goods up to £30 without needing to enter your PIN. Many shops, restaurants, and businesses have contactless reader devices which make transactions faster and smoother. Millions of people use contactless debit cards.

    Most contactless payments will appear in the main section of your online statement within a few days. However, some transactions may show first in the ‘View pending transactions’ section.

    Please note: Not all Contactless Card transactions appear immediately on your Online & Mobile Banking statements. If you can’t see a transaction please wait a few days for it to be added to your statement.

  • Contactless is a way of making paying for things swifter and simpler. If you have a contactless card and are paying for something in a shop, restaurant, or business that has a contactless reader, all you need to do is hold your contactless card over the reader to pay. If the price is under the threshold which is currently£45, you don’t need to even enter your PIN.

    The first time you use your contactless card for a transaction, you’ll need to enter your PIN. Once you've done that, all future transactions under threshold can be contactless. You need to hold your card very close to the reader (around 2 – 4 centimeters) for it to work. If the price of the transaction is over £45, you will need to key in your PIN as normal.

    For added security, every now and again you might be asked to enter your PIN for transactions under the threshold. This is likely to happen if you make several contactless transactions in a row.

    How to use contactless:

    1.  Look for the contactless symbol when paying.
    2. Simply touch your contactless card against the reader.
    3. A beep or green light shows your payment is being processed.
    4. Your payment is approved.
  • All contactless cards have the contactless symbol on them. The symbol is four curved lines radiating rightwards (a lot like a Wi-Fi symbol turned on its side). It looks like this:

    Contactless logo - illustration of a hand holding a bank card over the contactless logo. The logo has four curved lines which mimics a soundwave and is within an oval shape.

    If you have this symbol on the front of your debit card, you can start using the contactless method as described above

  • Yes, whether you have an Apple or Android device you’ll be able to register your Lloyds Bank International cards with Apple Pay or Google Pay respectively. Some device and card restrictions may apply.

    Apple Pay and Google Pay are convenient ways to pay with your Lloyds Bank International debit or credit card. Using the latest contactless technology, it's a simple, secure way to make everyday payments with your mobile device.

    Your card details won’t be stored on your device or sent to merchants, so your information stays private and secure.

    Choose from the options below to find out more and get started.

    Find out more about Apple Pay

    Find out more about Google Pay

  • Overdraft interest rates

    Interest rates on planned and unplanned overdraft debit balances (paid monthly):

    From 2 November 2007 to 1 October 2012

    % per month

    % - Equivalent Annual Rate (EAREquivalent Annual Rate excluding any changes which may be applicable)

    % per month

    Interest rate

    % - Equivalent Annual Rate (EAREquivalent Annual Rate excluding any changes which may be applicable)

    1.23

    15.77

    From 1 August 2007 to 1 November 2007

    % per month

    % - Equivalent Annual Rate (EAREquivalent Annual Rate excluding any changes which may be applicable)

    % per month

    Interest rate

    % - Equivalent Annual Rate (EAREquivalent Annual Rate excluding any changes which may be applicable)

    1.23

    15.8

    % per month

    Unauthorised borrowing rate

    % - Equivalent Annual Rate (EAREquivalent Annual Rate excluding any changes which may be applicable)

    2.20

    29.8

    Interest rates from 1 June to 31 July 2007

    % per month

    % - Equivalent Annual Rate (EAREquivalent Annual Rate excluding any changes which may be applicable)

    % per month

    Interest rate

    % - Equivalent Annual Rate (EAREquivalent Annual Rate excluding any changes which may be applicable)

    1.21

    15.5

    % per month

    Unauthorised borrowing rate

    % - Equivalent Annual Rate (EAREquivalent Annual Rate excluding any changes which may be applicable)

    2.20

    29.8

    Credit interest rates

    Interest rates from 1 April 2009 to 1 December 2010

    Interest on credit balance (paid monthly)

    % Per Annum Gross RateThe contractual rate of interest payable before deduction of income tax at the rate specified by law.

    % Per Annum AERAER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advert for a savings product will contain an AER – Annual Equivalent Rate – you can compare more easily what return you can expect from your savings over time.

    Interest on credit balance (paid monthly)

    £1+

    % Per Annum Gross RateThe contractual rate of interest payable before deduction of income tax at the rate specified by law.

    0.01

    % Per Annum AERAER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advert for a savings product will contain an AER – Annual Equivalent Rate – you can compare more easily what return you can expect from your savings over time.

    0.05

    Interest on credit balance (paid monthly)

    £50,000+

    % Per Annum Gross RateThe contractual rate of interest payable before deduction of income tax at the rate specified by law.

    0.10

    % Per Annum AERAER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advert for a savings product will contain an AER – Annual Equivalent Rate – you can compare more easily what return you can expect from your savings over time.

    0.10

    Interest on credit balance (paid monthly)

    £100,000+

    % Per Annum Gross RateThe contractual rate of interest payable before deduction of income tax at the rate specified by law.

    0.15

    % Per Annum AERAER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advert for a savings product will contain an AER – Annual Equivalent Rate – you can compare more easily what return you can expect from your savings over time.

    0.15

Current accounts

Browse and compare all of our current accounts. 

How to apply

Use our contact form or call us to make an appointment.

Branch finder

Find your local team in Jersey, Guernsey, Alderney or the Isle of Man and arrange a visit.