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Our International Instant Saver Account is a simple, no fuss, instant access savings account.
This product is designed for customers living in the Channel Islands or the Isle of Man and is provided by Lloyds Bank Corporate Markets plc a wholly owned subsidiary of Lloyds Banking Group plc.
Information on our savings accounts for customers in the United Kingdom.
You must be a personal customer aged 18 years and over. You must be ordinarily resident in the Channel Islands or Isle of Man.
Account balance (US$) |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) (%) |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. (%) |
---|---|---|
Account balance (US$)$1+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) (%)0.00 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. (%)0.00 |
Account balance (US$)$10,000+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) (%)2.00 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. (%)2.02 |
Account balance (US$)$25,000+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) (%)2.50 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. (%)2.53 |
Account balance (US$)$50,000+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) (%)2.50 |
AERAER rate - AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time. (%)2.53 |
Account balance (US$)$500,000+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) (%)3.25 |
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. (%)3.30 |
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) (%) |
AER (%) |
---|---|---|
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) (%)0.00 |
AER (%)0.00 |
Account balance (Euro)€10,000+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) (%)0.75 |
AER (%)0.75 |
Account balance (Euro)€25,000+ |
GrossGross rate - the contractual rate of interest payable before deduction of income tax at the rate specified by law. interest rate (variable) (%)1.25 |
AER (%)1.26 |
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) (%)1.75 |
AER (%)1.76 |
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) (%)2.25 |
AER (%)2.27 |
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 |
---|---|
ServiceThrough Currency Internet Banking |
ChargesFree |
ServiceThrough International PhoneBank, in branch, or in writing |
ChargesFree |
ServiceThrough Standing Order |
ChargesFree |
ServiceTo your other accounts held with Lloyds Banking Group |
ChargesFree |
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 |
---|---|
ServiceZone 1 (USA, Canada and Europe) |
Charges£12 |
ServiceZone 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 |
---|---|
ServiceCHAPS payment |
Charges£30 |
Cash withdrawals and deposits into the US Dollar Account:
Service |
Charges |
---|---|
ServiceCash withdrawals and deposits |
Charges2% 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 |
---|---|
ServiceRecalling 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 |
Electronic bank transfer from another financial institution:
Amount |
Charges |
---|---|
AmountAny amount |
ChargesFree |
Cheque collections:
Amount |
Charges |
---|---|
AmountCheques up to £100 |
Charges£5 |
AmountCheques of £100 and above |
Charges25p 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 |
---|---|
AmountCheques up to £100 |
Charges£5 |
AmountCheques of £100 and above |
Charges25p per £100 (minimum £15, maximum £80 per cheque) |
AmountCheques in a foreign currency drawn in a different country (not UK) For example : US Dollars drawn in France |
ChargesAs 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 |
---|---|
AmountCheques in the same currency as the account |
Charges£2 per cheque |
AmountCheques requiring currency conversion |
Charges£4 per cheque |
Service |
Charges |
---|---|
ServiceSupplying copies of previous bank statements |
Charges£5 per request. An administration charge may be made for excessive requests. |
General terms and conditions (PDF, 384KB)
Account terms and conditions (PDF, 226KB)
You can save in US Dollars, Sterling and Euro.
No, you can withdraw your money from an International Instant Saver Account at any time.
There is no maximum limit.
You can open more than one single or joint International Instant Saver Account.
The interest rate is variable and depends on the balance you hold: it is tiered. For more information on interest rates, see International Instant Saver Account interest rates.
When the interest rate is tiered, the more you deposit, the higher interest rate you receive.
You can request a transfer to another bank account by telephone or online.
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.
If you need extra information, please call 03457 449900. Our automated services are available 24/7. If you need to speak to an adviser not all Telephone Banking services are available 24 hours a days, seven days a week.
Contact us for contact numbers and opening times which may vary depending on the service that you require.
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.
Use our contact form or call us to make an appointment.
See how else we can help you save.
Find your local team in Jersey, Guernsey or the Isle of Man and arrange a visit.