Island Graduate Account
As a graduate you need an account that gives you time to find your feet. Our Graduate Account is designed for customers in the Channel Islands and Isle of Man.
You must ordinarily be resident in the Channel Islands or the Isle of Man and must be a graduate. You can only have one account with us in your sole name and you cannot have a graduate account with another provider.
This account is only available for a maximum of three years from the account opening date.
There is no minimum opening balance for the Island Graduate Account.
That's completely down to you. There's no limit on how much you can hold in your account.
The Island Graduate 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.
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 Graduate 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.
You can apply for an interest-free Planned Overdraft (subject to application and approval) of up to £2,000 in the first year after you graduate. In the second year after you graduate, your interest-free Planned Overdraft limit will be reduced to £1,500. In the third year after you graduate your interest-free Planned Overdraft limit will be reduced to £1,000.
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:
- Look for the contactless symbol when paying.
- Simply touch your contactless card against the reader.
- A beep or green light shows your payment is being processed.
- 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:
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.