International Bonus Saver Account
Our International Bonus Saver Account is a simple, no fuss, instant access savings account - which offers an interest bonus for the first 12 months.
Features and benefits
- Available in US Dollars and Euro.
- Minimum deposit $5,000, €5,000.
- No maximum deposit.
- Interest paid monthly.
- Instant access to your savings.
If you’re looking for a Sterling instant access saving account with bonus, find out more about our Island Bonus Saver Account.
Eligibility
You must be a personal customer aged 18 years and over. You must be ordinarily resident in the Channel Islands or Isle of Man.
International Bonus Saver Account - US Dollar
Current interest rate
Account balance (US$) |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) with bonus (%) |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) without bonus (%) |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. with bonus (%) |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. without bonus (%) |
Bonus (%)Interest will be paid on credit balances at the bonus rate and the standard variable rate for the first 12 months from opening the account. The bonus rate may vary depending on the credit balance of your account. |
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Account balance (US$)US$1+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) with bonus (%)1.85 |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) without bonus (%)1.25 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. with bonus (%)1.86 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. without bonus (%)1.26 |
Bonus (%)Interest will be paid on credit balances at the bonus rate and the standard variable rate for the first 12 months from opening the account. The bonus rate may vary depending on the credit balance of your account.0.60 |
Account balance (US$)US$100,000+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) with bonus (%)2.05 |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) without bonus (%)1.25 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. with bonus (%)2.07 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. without bonus (%)1.26 |
Bonus (%)Interest will be paid on credit balances at the bonus rate and the standard variable rate for the first 12 months from opening the account. The bonus rate may vary depending on the credit balance of your account.0.80 |
Account balance (US$)US$500,000+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) with bonus (%)2.25 |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) without bonus (%)1.25 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. with bonus (%)2.27 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. without bonus (%)1.26 |
Bonus (%)Interest will be paid on credit balances at the bonus rate and the standard variable rate for the first 12 months from opening the account. The bonus rate may vary depending on the credit balance of your account.1.00 |
Account balance (US$)US$1,000,000+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) with bonus (%)2.80 |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) without bonus (%)1.25 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. with bonus (%)2.82 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. without bonus (%)1.26 |
Bonus (%)Interest will be paid on credit balances at the bonus rate and the standard variable rate for the first 12 months from opening the account. The bonus rate may vary depending on the credit balance of your account.1.55 |
International Bonus Saver Account - Euro
Current interest rate
Account balance (Euro) |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) with bonus (%) |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) without bonus (%) |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. with bonus (%) |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. % without bonus (%) |
Bonus (%)Interest will be paid on credit balances at the bonus rate and the standard variable rate for the first 12 months from opening the account. The bonus rate may vary depending on the credit balance of your account. |
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Account balance (Euro)€1+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) with bonus (%)0.75 |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) without bonus (%)0.50 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. with bonus (%)0.75 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. % without bonus (%)0.50 |
Bonus (%)Interest will be paid on credit balances at the bonus rate and the standard variable rate for the first 12 months from opening the account. The bonus rate may vary depending on the credit balance of your account.0.25 |
Account balance (Euro)€50,000+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) with bonus (%)1.00 |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) without bonus (%)0.50 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. with bonus (%)1.00 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. % without bonus (%)0.50 |
Bonus (%)Interest will be paid on credit balances at the bonus rate and the standard variable rate for the first 12 months from opening the account. The bonus rate may vary depending on the credit balance of your account.0.50 |
Account balance (Euro)€100,000+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) with bonus (%)1.25 |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) without bonus (%)0.50 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. with bonus (%)1.26 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. % without bonus (%)0.50 |
Bonus (%)Interest will be paid on credit balances at the bonus rate and the standard variable rate for the first 12 months from opening the account. The bonus rate may vary depending on the credit balance of your account.0.75 |
Account balance (Euro)€500,000+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) with bonus (%)1.50 |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) without bonus (%)0.50 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. with bonus (%)1.51 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. % without bonus (%)0.50 |
Bonus (%)Interest will be paid on credit balances at the bonus rate and the standard variable rate for the first 12 months from opening the account. The bonus rate may vary depending on the credit balance of your account.1.00 |
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Sending fundsWhen making an International Payment there are two charging methods:Split Charges: Recipient and Correspondent banks abroad may charge a fee for receiving payments which will be paid by the recipient if you choose to share charges. Pay all Charges: A Correspondent Bank Fee will be payable for international payments where you choose to pay the charges for the recipient, if you are permitted to do so based upon the destination of the payment and the type of account that you hold. The Correspondent Bank Fee replaces all Correspondent bank charges. The recipient bank may still charge its customer a fee but we cannot provide information about such a fee. The amount of the Correspondent Bank Fee depends on the location of the recipient bank
International moneymover service:When making an International Payment there are two charging methods:Split Charges: Recipient and Correspondent banks abroad may charge a fee for receiving payments which will be paid by the recipient if you choose to share charges. Pay all Charges: A Correspondent Bank Fee will be payable for international payments where you choose to pay the charges for the recipient, if you are permitted to do so based upon the destination of the payment and the type of account that you hold. The Correspondent Bank Fee replaces all Correspondent bank charges. The recipient bank may still charge its customer a fee but we cannot provide information about such a fee. The amount of the Correspondent Bank Fee depends on the location of the recipient bank
Service
Charges
Service
Through Currency Internet Banking
Charges
Free
Service
Through International PhoneBank, in branch, or in writing
Charges
Free
Service
Through Standing Order
Charges
Free
Service
To your other accounts held with Lloyds Banking Group
Charges
Free
Correspondent bank fee:When making an International Payment there are two charging methods:Split Charges: Recipient and Correspondent banks abroad may charge a fee for receiving payments which will be paid by the recipient if you choose to share charges. Pay all Charges: A Correspondent Bank Fee will be payable for international payments where you choose to pay the charges for the recipient, if you are permitted to do so based upon the destination of the payment and the type of account that you hold. The Correspondent Bank Fee replaces all Correspondent bank charges. The recipient bank may still charge its customer a fee but we cannot provide information about such a fee. The amount of the Correspondent Bank Fee depends on the location of the recipient bank
Service
Charges
Service
Zone 1 (USA, Canada and Europe)
Charges
£12
Service
Zone 2 (Rest of the world)
Charges
£20
For the purposes of the Correspondent Bank Fee, Europe is defined as all EEA countries plus Jersey, Guernsey, Isle of Man, Monaco, San Marino and Switzerland.
Electronic Funds Transfer (CHAPS payments within the British Isles):
Service
Charges
Service
CHAPS payment
Charges
£30
Cash withdrawals and deposits into the US Dollar Account:
Service
Charges
Service
Cash withdrawals and deposits
Charges
2% on the Sterling equivalent of each currency, minimum £3 per currency and £10 administration fee.
These accounts are not designed to be used for receipt of notes or coins. If you need this service, please contact your International Banking Team.
Recalling a payment:
Service
Charges
Service
Recalling a payment
Charges
£20 per payment.
We cannot guarantee the cancellation as funds may already have been paid to the beneficiary. You could receive less than the original amount of the payment, due to adverse exchange rate movements
Receiving funds
Electronic bank transfer from another financial institution:
Amount
Charges
Amount
Any amount
Charges
Free
Cheque collections:
Amount
Charges
Amount
Cheques up to £100
Charges
£5
Amount
Cheques of £100 and above
Charges
25p per £100 (minimum £15, maximum £80 per cheque)
Cheque negotiation to Sterling account:The correspondent bank may also levy a charge based on the value of the cheque.
Amount
Charges
Amount
Cheques up to £100
Charges
£5
Amount
Cheques of £100 and above
Charges
25p per £100 (minimum £15, maximum £80 per cheque)
Amount
Cheques in a foreign currency drawn in a different country (not UK)
For example : US Dollars drawn in France
Charges
As above, but minimum £10 per cheque.
Cheque negotiation to currency account:The correspondent bank may also levy a charge based on the value of the cheque.
Amount
Charges
Amount
Cheques in the same currency as the account
Charges
£2 per cheque
Amount
Cheques requiring currency conversion
Charges
£4 per cheque
Other standard services
Service
Charges
Service
Supplying copies of previous bank statements
Charges
£5 per request.
An administration charge may be made for excessive requests.
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General terms and conditions (PDF, 384KB)
Account terms and conditions (PDF, 226KB)
This product is designed for customers living in the Channel Islands or the Isle of Man.
Information on our savings accounts for customers in the United Kingdom.
Frequently asked questions
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You can save in US Dollars, Sterling and Euro.
Customers requiring a Sterling instant access savings account may like to consider our Islands Bonus Saver Account.
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No, you can withdraw your money from an International Bonus Saver Account at any time.
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There is no maximum limit.
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You can open more than one single or joint International Bonus Saver Account for each currency.
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The interest rate is variable and depends on the balance you hold: it is tiered. On top of the variable rate you will also receive a bonus for the first 12 months. For more information on interest rates, see International Bonus Saver Account interest rates.
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When the interest rate is tiered, the more you deposit, the higher interest rate you receive.
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The bonus will expire 12 months after the account is opened. The interest rate will revert to the relevant standard variable interest rate applicable at the time. For detailed interest rates see table above.
Alternatively you can request for a further year’s bonus period to be added to your existing International Bonus Saver account.
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The interest rate bonus applies for the first 12 months from opening the account. After the 12 months you can request a year’s bonus period to be added to your existing International Bonus Saver account.
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You can request a transfer to another bank account by telephone or online.
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We will provide you with a sort code and account number (IBAN and BIC for transfers from banks outside the UK) to enable you to deposit money.
You can also pay in cheques but our standard charges will apply.
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If you need extra information, please call 03457 449900. Lines are open 8am - 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, seven days a week.Please visit our contact us page for the latest opening hours.
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.