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Non-marketed products

Current Overdraft fees

AccountDaily overdraft fee
Budget Account
1p per £7 borrowed
Cheque Account 1p per £7 borrowed
Equity Release Account
1p per £7 borrowed
Classic Account Preferential and
Current Account Preferential
1p per £7 borrowed
Ex TSB Student £0 - £700 0p
Ex TSB Student £700+ 1p per £7 borrowed
Lloyds Abbey Life 1p per £7 borrowed
Offset Current Accounts 1p per £7 borrowed
Premier Plus Current 1p per £7 borrowed
Platinum Plus Current Account 1p per £7 borrowed
Gold Service Plus Account 1p per £7 borrowed
Select Plus Account 1p per £7 borrowed
Select Current Account 1p per £7 borrowed
Classic Plus Account 1p per £7 borrowed
Student Account (2002 offer): £0 - £1,5000 0p
Student Account (2002 offer): £1,500+ 1p per £7 borrowed
Student Account (2002 offer): £0 - £2,000 0p
Student Account (2002 offer): £2,000+ 1p per £7 borrowed
Student Account 2003 - 2006 offer Year 1: £0 - £1,5000 0p
Student Account 2003 - 2006 offer: £1,500+ 1p per £7 borrowed
Student Account 2003 - 2006 offer Year 2: £0 - £1,5000 0p
Student Account 2003 - 2006 offer: £1,500+ 1p per £7 borrowed
Student Account 2003 - 2006 offer: Year 3: £0 - £1,500 0p
Student Account 2003 - 2006 offer: £1,500+ 1p per £7 borrowed
Student Account 2003 - 2006 offer: Years 4 and 5: £0 - £2,000 0p
Student Account 2003 - 2006 offer: Years 4 and 5: £2,000+
1p per £7 borrowed

These fees are correct as at 02/11/2017.

Current Rates

Classic Account Vantage Rates

(Interest calculated daily, paid monthly)
Balance
AERCloseAERAER 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 you can compare more easily what return you can expect from your savings over time.% GrossCloseGrossThe contractual rate of interest payable before deduction of income tax at the rate specified by law. NetCloseNetNet rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places.%
£1 - £999 0.00 0.00 0.00
£1,000 - £2,999 0.50 0.50 0.40
£3,000 - £5,000 1.50 1.49 1.19

These interest rates were correct between 02/07/2014 and 02/05/2016.

Vantage is no longer available with new current accounts or as an upgrade option for existing customers. In February 2016 we wrote to existing Vantage customers to advise that we were removing Vantage from our product range. From 3rd May 2016 no credit interest is paid on Vantage accounts and Vantage terms and conditions no longer apply. Vantage was removed from account names shortly after this.


Classic Reserve

Classic Reserve Monthly Rate % APR Purchases % APR Cash %
Standard Rate 1.527 19.9 22.4

These interest rates are correct as at 01/09/2001.


Current Accounts with Plus

(Interest paid monthly)
Balance
AERCloseAERAER 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 you can compare more easily what return you can expect from your savings over time.% GrossCloseGrossThe contractual rate of interest payable before deduction of income tax at the rate specified by law. NetCloseNetNet rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places.
£1 - £2,500 1.50 1.49 1.19

These interest rates are correct as at 02/12/2010.

Plus gives you the benefit of credit interest on your current account if you comply with the Plus condition of paying into your account at least £1,000 each calendar month.

We do not pay interest on any amount over £2,500.

Gold Account Vantage Interest Rates

(Interest calculated daily, paid monthly)
Balance
AERCloseAERAER 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 you can compare more easily what return you can expect from your savings over time.% GrossCloseGrossThe contractual rate of interest payable before deduction of income tax at the rate specified by law. NetCloseNetNet rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places.%
£1 - £999 0.00 0.00 0.00
£1,000 - £2,999 0.50 0.50 0.40
£3,000 - £5,000 1.50 1.49 1.19

These interest rates were correct between 02/07/2014 and 02/05/2016.

Vantage is no longer available with new current accounts or as an upgrade option for existing customers. In February 2016 we wrote to existing Vantage customers to advise that we were removing Vantage from our product range. From 3rd May 2016 no credit interest is paid on Vantage accounts and Vantage terms and conditions no longer apply. Vantage was removed from account names shortly after this.


Moneyplan

(Interest paid annually)
Moneyplan
AERCloseAERAER 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 you can compare more easily what return you can expect from your savings over time.% GrossCloseGrossThe contractual rate of interest payable before deduction of income tax at the rate specified by law. NetCloseNetNet rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places.%
£1+ 0.10 0.10 0.08

These interest rates are correct as at 01/03/2004.


Platinum Account Vantage Interest Rates

(Interest calculated daily, paid monthly)
Balance
AERCloseAERAER 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 you can compare more easily what return you can expect from your savings over time.% GrossCloseGrossThe contractual rate of interest payable before deduction of income tax at the rate specified by law. NetCloseNetNet rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places.%
£1 - £999 0.00 0.00 0.00
£1,000 - £2,999 0.50 0.50 0.40
£3,000 - £5,000 1.50 1.49 1.19

These interest rates were correct between 02/07/2014 and 02/05/2016.

Vantage is no longer available with new current accounts or as an upgrade option for existing customers. In February 2016 we wrote to existing Vantage customers to advise that we were removing Vantage from our product range. From 3rd May 2016 no credit interest is paid on Vantage accounts and Vantage terms and conditions no longer apply. Vantage was removed from account names shortly after this.


Premier Account Vantage Rates

(Interest calculated daily, paid monthly)
Balance
AERCloseAERAER 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 you can compare more easily what return you can expect from your savings over time.% GrossCloseGrossThe contractual rate of interest payable before deduction of income tax at the rate specified by law. NetCloseNetNet rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places.%
£1 - £999 0.00 0.00 0.00
£1,000 - £2,999 0.50 0.50 0.40
£3,000 - £5,000 1.50 1.49 1.19

These interest rates were correct between 02/07/2014 and 02/05/2016.

Vantage is no longer available with new current accounts or as an upgrade option for existing customers. In February 2016 we wrote to existing Vantage customers to advise that we were removing Vantage from our product range. From 3rd May 2016 no credit interest is paid on Vantage accounts and Vantage terms and conditions no longer apply. Vantage was removed from account names shortly after this.


Service account

(Interest paid annually)
Service Account
AERCloseAERAER 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 you can compare more easily what return you can expect from your savings over time.% GrossCloseGrossThe contractual rate of interest payable before deduction of income tax at the rate specified by law. NetCloseNetNet rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places.%
£1+ 0.00 0.00 0.00

These interest rates are correct as at 01/12/2010.


Silver Account Vantage Interest Rates

(Interest calculated daily, paid monthly)
Balance
AERCloseAERAER 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 you can compare more easily what return you can expect from your savings over time.% GrossCloseGrossThe contractual rate of interest payable before deduction of income tax at the rate specified by law. NetCloseNetNet rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places.%
£1 - £999 0.00 0.00 0.00
£1,000 - £2,999 0.50 0.50 0.40
£3,000 - £5,000 1.50 1.49 1.19

These interest rates were correct between 02/07/2014 and 02/05/2016.

Vantage is no longer available with new current accounts or as an upgrade option for existing customers. In February 2016 we wrote to existing Vantage customers to advise that we were removing Vantage from our product range. From 3rd May 2016 no credit interest is paid on Vantage accounts and Vantage terms and conditions no longer apply. Vantage was removed from account names shortly after this.


Student Interest Cheque account

(Interest paid annually)
Student Interest Cheque Account
AERCloseAERAER 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 you can compare more easily what return you can expect from your savings over time.% GrossCloseGrossThe contractual rate of interest payable before deduction of income tax at the rate specified by law. NetCloseNetNet rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places.%
£1+ 0.00 0.00 0.00

These interest rates are correct as at 29/09/2003.


Vantage

Please click here for products closed to new customers.

Previous rates

Budget Account – Planned and Unplanned overdraft

Budget Account % Per Month% EAR
In England & Wales 1.57 20.6
In Scotland
Base Rate + 5.0%
In Scotland
Base Rate + 1.0%

These interest rates were correct from 02/11/2007 to 02/11/2017.

Interest rates are variable and depend on the type of Budget Account you hold. Please check your statement for details of your current overdraft interest rates.

Classic Reserve

Classic Reserve (from the Lloyds range) Monthly Rate % APR Purchases % APR Cash %
Standard Rate 1.562 20.4 22.3
Balance Transfer Rate 0.639 7.9 N/A

These interest rates were correct from 01/02/2001 to 01/09/2001.


Cheque Account – Planned and Unplanned Overdrafts

Cheque Account % Per Month% EAR

Unplanned overdrafts

1.48 19.3
Planned overdrafts – interest rates are variable and linked to Base Rate. Please check your statement for details of your current overdraft interest rates

These interest rates were correct from 02/11/2007 to 02/11/2017

These interest rates are variable.

Equity Release Account – Planned and Unplanned Overdrafts

Equity Release Account % Per Month % EAR

Unplanned overdrafts


Base Rate + 2.50%
Planned Overdrafts
Base Rate
Planned Overdrafts
Base Rate + 1.00%
Planned Overdrafts
Base Rate + 2.50%

These interest rates were correct from 02/11/2007 to 02/11/2017.

Interest rates are variable and depend on the type of Equity Release Account you hold. Please check your statement for details of your current overdraft interest rates.

Lloyds Abbey Life Account – Planned and Unplanned Overdrafts

Lloyds Abbey Life Account % Per Month % EAR
Classic Concessional 0.99 12.6

These interest rates were correct from 02/11/2007 to 02/11/2017.

These interest rates are variable.

Personal Non Marketed Overdrafts – Planned and Unplanned Overdrafts

Account % Per Month % EAR
Classic Account Preferential and Current Account Preferential 1.30 16.8
Ex TSB Student - -
£0 - £700 0 0
£700+ 0.63 7.8
Lloyds Abbey Life 0.99 12.6
Offset Current Accounts – planned overdrafts
Base + 0.9
Classic Offset Account – unplanned overdrafts*
19.94
Select Offset Account – unplanned overdrafts*
19.94
Premier Offset Account – unplanned overdrafts*
15.43
Gold Offset Current Account – unplanned overdrafts*
19.94
Platinum Offset Current Account – unplanned overdrafts*
17.28
Premier Plus Current 0.98 12.43
Platinum Plus Current Account 0.98 12.43
Gold Service Plus Account 1.3 16.77
Select Plus Account 1.34 17.32
Select Current Account* 1.45 18.86
Classic Plus Account 1.45 18.86

These interest rates were correct from 01/12/2011 to 02/11/2017.

Student Account (2002 offer) – Planned and Unplanned Overdrafts

Student Account % Per Month % EAR
£0 - £1,500 0.00 0.00
£1,500+ 0.66 8.2
£0 - £2,000 0.00 0.00
£2,000+ 0.66 8.2

These interest rates were correct from 02/11/2007 to 02/11/2017.

These interest rates are variable.


Student account 2003 – 2006 offer – Planned and Unplanned Overdrafts

Student account 2003 - 2006 offer% Per Month% EAR
Year 1 £0-£1.500 0.00 0.00
£1,500+ 0.66 8.2
Year 2 £0-£1,500 0.00 0.00
£1,500+ 0.66 8.2
Year 3: £0 - £1,500 0.00 0.00
£1,500+ 0.66 8.2
Years 4 and 5: £0 - £2,000 0.00 0.00
£2,000+ 0.66 8.2

These interest rates were correct from 02/11/2007 to 02/11/2017.

These interest rates are variable.


TSB Student Account – Planned and Unplanned Overdrafts

TSB Student Account % Per Month % EAR
£0 - £700 0.00 0.00
£700+ 0.63 7.8

These interest rates were correct from 02/11/2007 to 02/11/2017.

These interest rates are variable.

Graduate Gold account - Credit

Graduate Gold account AER CloseAERAER 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 you can compare more easily what return you can expect from your savings over time.% GrossCloseGrossThe contractual rate of interest payable before deduction of income tax at the rate specified by law. % NetCloseNetNet rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1+ 2.02 2.00 1.56
£2,000+ 0.10 0.10 0.08

These interest rates were correct from 01/06/2004 to 22/07/2004.


Graduate Gold account - Planned and Unplanned Overdrafts

Graduate Gold account % Per Month % EARCloseEAREAR is the equivalent annual rate. This is the actual annual rate of overdraft. It doesn't take into account other fees and charges.
£2,000+ 1.30 16.8
£0 - £2,000 0.00 0.00

These interest rates were correct from 01/08/2007 to 02/11/2007.


Premier Overdraft Rates

Agreed % Per Month % EARCloseEAREAR is the equivalent annual rate. This is the actual annual rate of overdraft. It doesn't take into account other fees and charges.
£251+ 0.79 9.90
Not Agreed 2.2% 29.8%

These interest rates were correct from 01/09/2006 to 01/12/2006.

The Equivilent Annualised Rate (EAR) does not take into account any additional charges – for example, arrangement fees, securities charges, or monthly fees that may be due.


Student Account (2003, 2004 and 2005 Offer)

Student Account (2003, 2004 and 2005 Offer)% Per Month% EARCloseEAREAR is the equivalent annual rate. This is the actual annual rate of overdraft. It doesn't take into account other fees and charges.
Year 1: £0 - £1,500 0.00 0.00
£1,500 + 0.60 7.40
Year 2: £0 - £1,500 0.00 0.00
£1,500 + 0.60 7.40
Year 3: £0 - £1,500 0.00 0.00
£1,500 + 0.60 7.40
Years 4, 5 and 6: £0 - £2,000 0.00 0.00
£2,000 + 0.60 7.40
Unauthorised 2.20 29.8

These interest rates are correct as at 03/07/2006.