{ "meta": { "LastUpdated": "2026-08-12T23:01:28Z", "TotalResults": 11, "Agreement": "Use of the APIs and any related data will be subject to the terms of the Open Licence and subject to terms and conditions", "License": "https://www.openbanking.org.uk/open-licence", "TermsOfUse": "https://www.openbanking.org.uk/terms-conditions" }, "data": [ { "Brand": [ { "BrandName": "Lloyds Bank", "PCA": [ { "Name": "Platinum Account", "Identification": "320", "Segment": [ "Packaged" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "LPA-R001", "PredecessorID": "LPA-R002", "MarketingState": "Regular", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "9999-12-31", "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "Identification": "LPA-AR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LPA-AT-101", "TierValueMin": "0.00", "EAR": "29.90", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged." ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or older" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Lloyds Platinum Benefits", "Type": "Other", "Notes": [ "Lloyds Platinum Account Benefits" ], "OtherType": { "Name": "Platinum Account Benefits", "Description": "Packaged account benefits" }, "FeatureBenefitItem": [ { "Identification": "LPA-BG-001", "Type": "TravelInsurance", "Name": "Worldwide travel insurance", "Textual": "Multi-trip Worldwide travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children). Up to the age of 80 for adults and 18 or under (24 or under if still in full time education) for children." }, { "Identification": "LPA-BG-002", "Type": "MotorBreakdown", "Name": "AA Breakdown family Cover", "Textual": "Includes Roadside Assistance, At Home and National Recovery. The customer and eligible family member is covered, not the vehicle.\nProvides cover within the UK, Channel Islands and Isle of Man." }, { "Identification": "LPA-BG-003", "Type": "TechnologyInsurance", "Name": "Mobile phone insurance", "Textual": "Insures one phone on a sole account and two phones for joint accounts\nRepair or replacement phone up to a maximum of \u00a32,000 (including VAT)\nCovers loss, theft, damage or breakdown (including faults)" }, { "Identification": "LPA-BG-004", "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card.\nIf you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.\u00a0" } ] } ], "FeatureBenefitItem": [ { "Identification": "LCL-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LCL-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCL-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCL-BI-007", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCL-BI-008", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCL-BI-009", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Type": "AccountOpeningOrSwitching Incentive", "Name": "RAF30", "Amount": "30.00", "Notes": [ "You can earn \u00a330 by referring a friend to open a Lloyds Personal Current Account. To qualify as the referrer, you must hold any Lloyds Personal Current Account, except for Under19s, Smart Start, or Student Accounts. To receive the reward, you need to share your referral link with a friend, and they must use it to open a qualifying account. That account must remain open for at least 7 days. As the referred friend, you will earn \u00a330 if you open a qualifying Lloyds Personal Current Account using the referral link provided by the existing customer. Eligible accounts include Classic, Club Lloyds, Basic, Lloyds Premier, Silver, Platinum, Club Lloyds Silver, or Club Lloyds Platinum. You must not have previously received a Refer a Friend reward from Lloyds. (T&Cs Apply)\n" ] } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "22.50", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "Platinum Account monthly maintaining the account fee of \u00a322.50 per month" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "http://www.lloydsbank.com/current-accounts/all-accounts/platinum-account.asp", "ProductDescription": "Packed with benefits for only \u00a322.50 per month", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } }, { "Identification": "LPA-R002", "MarketingState": "Promotional", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "2026-05-05", "StateTenureLength": 3, "StateTenurePeriod": "Month", "Notes": [ "Interest free Arranged Overdraft for 3 months" ], "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "Identification": "LPA-AR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LPA-AT-201", "TierValueMin": "0.00", "EAR": "0.0", "Notes": [ "To qualify for the interest-free offer you must :\r\n\u2022 Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Lloyds Bank account\r\n\u2022 Have not used the offer within the last 12 months\r\n\u2022 Have applied, and been approved for, an Arranged Overdraft on your new Lloyds Bank account" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or older" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Lloyds Platinum Benefits", "Type": "Other", "Notes": [ "Lloyds Platinum Account Benefits" ], "OtherType": { "Name": "Platinum Account Benefits", "Description": "Packaged account benefits" }, "FeatureBenefitItem": [ { "Identification": "LPA-BG-001", "Type": "TravelInsurance", "Name": "Worldwide travel insurance", "Textual": "Multi-trip Worldwide travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children). Up to the age of 80 for adults and 18 or under (24 or under if still in full time education) for children." }, { "Identification": "LPA-BG-002", "Type": "MotorBreakdown", "Name": "AA Breakdown family Cover", "Textual": "Includes Roadside Assistance, At Home and National Recovery. The customer and eligible family member is covered, not the vehicle.\nProvides cover within the UK, Channel Islands and Isle of Man." }, { "Identification": "LPA-BG-003", "Type": "TechnologyInsurance", "Name": "Mobile phone insurance", "Textual": "Insures one phone on a sole account and two phones for joint accounts\nRepair or replacement phone up to a maximum of \u00a32,000 (including VAT)\nCovers loss, theft, damage or breakdown (including faults)" }, { "Identification": "LPA-BG-004", "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card.\nIf you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.\u00a0" } ] } ], "FeatureBenefitItem": [ { "Identification": "LCL-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LCL-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCL-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCL-BI-007", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCL-BI-008", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCL-BI-009", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "22.50", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "Platinum Account monthly maintaining the account fee of \u00a322.50 per month" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "http://www.lloydsbank.com/current-accounts/all-accounts/platinum-account.asp", "ProductDescription": "Packed with benefits for only \u00a322.50 per month", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Under 19s Account", "Identification": "301", "Segment": [ "Youth" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "LYA-R001", "MarketingState": "Regular", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "9999-12-31", "Notes": [ "Arranged Overdrafts are not available on Under 19s accounts. If you do go overdrawn, you will not be charged a daily arranged overdraft fee." ], "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Tiered", "CalculationMethod": "Compound", "Destination": "SelfCredit", "TierBand": [ { "Identification": "LYA-CITB001", "TierValueMinimum": "0.00", "TierValueMaximum": "999.99", "CalculationFrequency": "Monthly", "ApplicationFrequency": "Quarterly", "FixedVariableInterestRateType": "Variable", "AER": "0.50", "BankInterestRateType": "Gross" } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 13, "MaximumAge": 17, "Notes": [ "Start an application online and provide proof of your identity with a passport or driving licence. If we can't check your identity online, you may need to visit your local branch and bring proof of identity (such as passport or full UK birth certificate) and proof of address (such as letter from your School/College/Educational Institution, or parents utility bill).\nIf you are 13-15 you need to be accompanied by an adult, if you are 16 or 17, you do not" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Soft" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "LYA-BI-001", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LYA-BI-002", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LYA-BI-003", "Type": "PreferentialRates", "Name": "Credit Interest", "Textual": "You will earn a variable rate of interest of 0.50% AER/0.50% gross variable on balances between \u00a31 and \u00a3999.99. Interest is paid quarterly directly into your account and you will not earn credit interest on balances above \u00a3999.99." }, { "Identification": "LYA-BI-006", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LYA-BI-007", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LYA-BI-008", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true, "Notes": [ "A Lloyds Bank Visa debit card, which you can use to pay for things in shops, on the internet, or to access your money at cash machines. " ] }, { "Type": "CashCard", "Scheme": "Visa", "ContactlessIndicator": false, "Notes": [ "There's no charge to take money out of our Bank of Scotland, Lloyds Bank or Halifax cash machines, but a charge may apply at other cash machines\n" ] } ], "MobileWallet": [ { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayTransRateNonSterling", "FeeRate": "2.9900", "FeeRateType": "Gross", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency transaction fee: fee charged for the conversion of currency. This is a percentage value of your transaction. \nThe amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate" ] }, { "FeeCategory": "ATM", "FeeType": "ATMForeignCashDebCard", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency cash fee: fee charged to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate. ", "Foreign currency cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayPurchaseNonSterling", "FeeAmount": "0.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency purchase fee: fee charged per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). Fee is applicable only to debit card transactions. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate", "Foreign currency purchase fee is not charged for purchases in euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "ATM", "FeeType": "ATMAbroadConVisaDebit", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign cash fee : fee charged where you elect to allow the cash machine operator/financial service provider to make the conversion to pounds. The provider of the foreign currency may make a separate charge for conversion.", "Foreign cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/under-19s-account.asp", "ProductDescription": "Tailored for teens aged 13 to 17 years, this account can help you make the most of your pocket money.", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Club Lloyds Account", "Identification": "1001", "Segment": [ "Reward" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "LCL-R002", "MarketingState": "Promotional", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "2026-05-05", "StateTenureLength": 3, "StateTenurePeriod": "Month", "Notes": [ "Interest free Arranged Overdraft for 3 months" ], "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Tiered", "CalculationMethod": "Compound", "Destination": "SelfCredit", "Notes": [ "You will receive credit interest provided you pay two separate Direct Debits from your Club Lloyds current account each calendar month." ], "TierBand": [ { "Identification": "LCL-TB-001", "TierValueMinimum": "1.00", "TierValueMaximum": "3999.99", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "0.75", "BankInterestRateType": "Gross" }, { "Identification": "LCL-TB-002", "TierValueMinimum": "4000.00", "TierValueMaximum": "5000.00", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "3.00", "BankInterestRateType": "Gross" } ], "CreditInterestEligibility": [ { "Name": "Minimum Direct Debits", "Description": "Must pay two separate Direct Debits from your Club Lloyds current account", "Type": "DirectDebits", "Amount": "2", "Textual": "You must pay two separate Direct Debits from your Club Lloyds current account each calendar month", "Period": "Month" } ] } ] }, "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "Identification": "LCL-AR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LCL-AT-201", "TierValueMin": "0.00", "EAR": "0.0", "Notes": [ "To qualify for the interest-free offer you must :\n\u2022 Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Lloyds Bank account\n\u2022 Have not used the offer within the last 12 months\n\u2022 Have applied, and been approved for, an Arranged Overdraft on your new Lloyds Bank account" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or older" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Club Lloyds Lifestyle Benefits", "Type": "Lifestyle", "Notes": [ "As a Club Lloyds member, you can choose one Lifestyle Benefit per account per year. You can pick a different one for each account every year, as long as you remain a Club Lloyds customer." ], "FeatureBenefitItem": [ { "Identification": "LCL-BG-001", "Type": "Lifestyle", "Name": "6 Cinema Tickets", "Textual": "6 Vue or ODEON tickets valid at over 80 locations across the UK for use throughout the year." }, { "Identification": "LCL-BG-002", "Type": "Lifestyle", "Name": "Annual Magazine Subscription", "Textual": "You can choose one of a wide range of magazine titles available to have delivered to your door or downloaded to your device (compatible with Apple and Android\u2122 devices)." }, { "Identification": "LCL-BG-003", "Type": "Lifestyle", "Name": "Annual Coffee Club and Gourmet Society Membership", "Textual": "An annual Coffee Club and Gourmet Society membership gives you 25% off barista-made drinks at Caffe Nero and 25% off your bill at brands including Prezzo and thousands of independent restaurants. Get pizza delivery offers alongside great discounts on theatre tickets and UK attractions." }, { "Identification": "LCL-BG-004", "Type": "Lifestyle", "Name": "Disney+ subscription", "Textual": "Choose 12 months of Disney+ and stream endless entertainment from Disney, Pixar, Marvel, Star Wars and National Geographic; as well as a range of general entertainment." } ] } ], "FeatureBenefitItem": [ { "Identification": "LCL-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LCL-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCL-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCL-BI-007", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCL-BI-008", "Type": "PreferentialRates", "Name": "Club Lloyds Banking Offers", "Textual": "As a Club Lloyds customer you\u2019ll get exclusive access to offers on a range of Lloyds Bank products. Check our website to see the latest offers." }, { "Identification": "LCL-BI-009", "Type": "PreferentialRates", "Name": "Credit Interest", "Textual": "Earn variable credit interest of 0.75% AER (0.75% gross p.a.) on balances from \u00a31 to \u00a33,999.99 and 3.00% AER (2.96% gross p.a.) on any part of the balance from \u00a34,000 to \u00a35,000 when you pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.", "FeatureBenefitEligibility": [ { "Name": "Minimum 2 Direct Debits", "Description": "Minimum 2 Direct debits from Club Lloyds Account", "Type": "DirectDebits", "Amount": "2", "Indicator": true, "Textual": "You need to pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.\r\nPlease note, qualifying Direct Debits must come out monthly, quarterly Direct Debits are not eligible. Also Standing Orders do not qualify.", "Period": "Month" } ] }, { "Identification": "LCL-BI-010", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCL-BI-011", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card. If you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "5.00", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "The Club Lloyds monthly maintaining the account fee is \u00a35 per month. The \u00a35 fee is waived for each month you pay at least \u00a32,000 into your account. If in any month you don't pay in this amount, you will need to pay the \u00a35 monthly account fee." ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/club-lloyds.asp", "ProductDescription": "Variable credit interest on balances from \u00a31 to \u00a35,000 and more great benefits. The Club Lloyds monthly account fee is waived if you pay in \u00a32,000 per month, otherwise it costs just \u00a35 per month.\n", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } }, { "Identification": "LCL-R001", "PredecessorID": "LCL-R002", "MarketingState": "Regular", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "9999-12-31", "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Tiered", "CalculationMethod": "Compound", "Destination": "SelfCredit", "Notes": [ "To qualify for credit interest, you'll need to pay two separate Direct Debits from your Club Lloyds current account each calendar month." ], "TierBand": [ { "Identification": "LCL-TB-001", "TierValueMinimum": "1.00", "TierValueMaximum": "3999.99", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "0.75", "BankInterestRateType": "Gross" }, { "Identification": "LCL-TB-002", "TierValueMinimum": "4000.00", "TierValueMaximum": "5000.00", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "3.00", "BankInterestRateType": "Gross" } ], "CreditInterestEligibility": [ { "Name": "Minimum Direct Debits", "Description": "Must pay two separate Direct Debits from your Club Lloyds current account", "Type": "DirectDebits", "Amount": "2", "Textual": "You must pay two separate Direct Debits from your Club Lloyds current account each calendar month", "Period": "Month" } ] } ] }, "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Tiered", "OverdraftType": "OnDemand", "Identification": "LCL-AR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LCL-AT-101", "TierValueMin": "0.00", "TierValueMax": "100.00", "EAR": "0.0", "Notes": [ "The arranged overdraft interest rate does not apply provided you do not exceed your \u00a3100 interest-free amount.\n" ] }, { "Identification": "LCL-AT-102", "TierValueMin": "100.00", "EAR": "29.90", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged.\n" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or older" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Club Lloyds Lifestyle Benefits", "Type": "Lifestyle", "Notes": [ "As a Club Lloyds member, you can choose one Lifestyle Benefit per account per year. You can pick a different one for each account every year, as long as you remain a Club Lloyds customer." ], "FeatureBenefitItem": [ { "Identification": "LCL-BG-001", "Type": "Lifestyle", "Name": "6 Cinema Tickets", "Textual": "6 Vue or ODEON tickets valid at over 80 locations across the UK for use throughout the year." }, { "Identification": "LCL-BG-002", "Type": "Lifestyle", "Name": "Annual Magazine Subscription", "Textual": "You can choose one magazine from a wide range of titles available to have delivered to your door or downloaded to your device (compatible with Apple and Android\u2122 devices)." }, { "Identification": "LCL-BG-003", "Type": "Lifestyle", "Name": "Annual Coffee Club and Gourmet Society Membership", "Textual": "An annual Coffee Club and Gourmet Society membership gives you 25% off barista-made drinks at Caffe Nero and 25% off your bill at brands including Prezzo and thousands of independent restaurants. Get pizza delivery offers alongside great discounts on theatre tickets and UK attractions." }, { "Identification": "LCL-BG-004", "Type": "Lifestyle", "Name": "Disney+ Subscription", "Textual": "Choose 12 months of Disney+ and stream endless entertainment from Disney, Pixar, Marvel, Star Wars and National Geographic; as well as a range of general entertainment." } ] } ], "FeatureBenefitItem": [ { "Identification": "LCL-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LCL-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCL-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCL-BI-007", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCL-BI-008", "Type": "PreferentialRates", "Name": "Club Lloyds Banking Offers", "Textual": "As a Club Lloyds customer you\u2019ll get exclusive access to offers on a range of Lloyds Bank products. Check our website to see the latest offers." }, { "Identification": "LCL-BI-009", "Type": "PreferentialRates", "Name": "Credit Interest", "Textual": "Earn variable credit interest of 0.75% AER (0.75% gross p.a.) on balances from \u00a31 to \u00a33,999.99 and 3.00% AER (2.96% gross p.a.) on any part of the balance from \u00a34,000 to \u00a35,000 when you pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.", "FeatureBenefitEligibility": [ { "Name": "Minimum 2 Direct Debits", "Description": "Minimum 2 Direct debits from Club Lloyds Account", "Type": "DirectDebits", "Amount": "2", "Indicator": true, "Textual": "You need to pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.\nPlease note, qualifying Direct Debits must come out monthly, quarterly Direct Debits are not eligible. Also Standing Orders do not qualify.", "Period": "Month" } ] }, { "Identification": "LCL-BI-010", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCL-BI-011", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card. If you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you." }, { "Type": "AccountOpeningOrSwitching Incentive", "Name": "RAF30", "Amount": "30.00", "Notes": [ "You can earn \u00a330 by referring a friend to open a Lloyds Personal Current Account. To qualify as the referrer, you must hold any Lloyds Personal Current Account, except for Under19s, Smart Start, or Student Accounts. To receive the reward, you need to share your referral link with a friend, and they must use it to open a qualifying account. That account must remain open for at least 7 days. As the referred friend, you will earn \u00a330 if you open a qualifying Lloyds Personal Current Account using the referral link provided by the existing customer. Eligible accounts include Classic, Club Lloyds, Basic, Lloyds Premier, Silver, Platinum, Club Lloyds Silver, or Club Lloyds Platinum. You must not have previously received a Refer a Friend reward from Lloyds. (T&Cs Apply)\n" ] } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "5.00", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "The Club Lloyds monthly account fee is \u00a35 per month. The \u00a35 fee is waived for each month you pay at least \u00a32,000 into your account. If in any month you don't pay in this amount, you will need to pay the \u00a35 monthly account fee." ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/club-lloyds.asp", "ProductDescription": "Variable credit interest on balances from \u00a31 to \u00a35,000 and more great benefits. \n\nThe Club Lloyds monthly account fee is waived if you pay in \u00a32,000 per month, otherwise it costs just \u00a35 per month.", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Silver account", "Identification": "32", "Segment": [ "Packaged" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "LSA-R32", "MarketingState": "Regular", "FirstMarketedDate": "2022-11-23", "LastMarketedDate": "9999-12-31", "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "Identification": "LPA-AR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LPA-AT-101", "TierValueMin": "0.00", "EAR": "29.90", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged." ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous bankruptcy ", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or over " ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Lloyds Silver Benefits", "Type": "Other", "Notes": [ "Lloyds Silver Benefits" ], "OtherType": { "Name": "Silver Account Benefits ", "Description": "Packaged Account Benefits " }, "FeatureBenefitItem": [ { "Identification": "LBG-BG-001", "Type": "TravelInsurance", "Name": "European Travel Insurance", "Textual": "Multi-trip European travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children). Up to the age of 65 for adults and 18 or under (24 or under if still in full time education) for children." }, { "Identification": "LBG-BG-002", "Type": "MotorBreakdown", "Name": "AA breakdown family cover", "Textual": "Includes Roadside Assistance. The customer and eligible family members are covered, not the vehicle. Provides cover within the UK, Channel Islands and Isle of Man." }, { "Identification": "LBG-BG-003", "Type": "TechnologyInsurance", "Name": "Mobile phone insurance", "Textual": "Insures one phone on a sole account and two phones for joint accounts Repair or replacement phone up to a maximum of \u00a32,000 (including VAT) Covers loss, theft, damage or breakdown (including faults)" }, { "Identification": "LBG-BG-004", "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card.\nIf you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.\u00a0" } ] } ], "FeatureBenefitItem": [ { "Identification": "LCL-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LCL-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCL-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCL-BI-007", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCL-BI-008", "Type": "AccountManagement", "Name": "Internet Banking ", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCL-BI-009", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Type": "AccountOpeningOrSwitching Incentive", "Name": "RAF30", "Amount": "30.00", "Notes": [ "You can earn \u00a330 by referring a friend to open a Lloyds Personal Current Account. To qualify as the referrer, you must hold any Lloyds Personal Current Account, except for Under19s, Smart Start, or Student Accounts. To receive the reward, you need to share your referral link with a friend, and they must use it to open a qualifying account. That account must remain open for at least 7 days. As the referred friend, you will earn \u00a330 if you open a qualifying Lloyds Personal Current Account using the referral link provided by the existing customer. Eligible accounts include Classic, Club Lloyds, Basic, Lloyds Premier, Silver, Platinum, Club Lloyds Silver, or Club Lloyds Platinum. You must not have previously received a Refer a Friend reward from Lloyds. (T&Cs Apply)\n" ] } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "11.50", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "Silver Account monthly maintaining the account fee of \u00a311.50 per month" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA)." ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/silver-account.html", "ProductDescription": "Packed with benefits for only \u00a311.50 per month ", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } }, { "Identification": "LSA-P32", "MarketingState": "Promotional", "FirstMarketedDate": "2022-11-23", "LastMarketedDate": "2026-05-05", "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "Identification": "LPA-AR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LPA-AT-201", "TierValueMin": "0.00", "EAR": "0.0", "Notes": [ "To qualify for the interest-free offer you must :\n\u2022 Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Lloyds Bank account\n\u2022 Have not used the offer within the last 12 months\n\u2022 Have applied, and been approved for, an Arranged Overdraft on your new Lloyds Bank account\n" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or over " ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Lloyds Silver Benefits ", "Type": "Other", "Notes": [ "Lloyds Silver Account Benefits " ], "OtherType": { "Name": "Silver Account Benefits ", "Description": "Packaged Account Benefits " }, "FeatureBenefitItem": [ { "Identification": "LBA-BG-001", "Type": "TravelInsurance", "Name": "European Travel Insurance", "Textual": "Multi-trip European travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children). Up to the age of 65 for adults and 18 or under (24 or under if still in full time education) for children." }, { "Identification": "LBG-BG-002", "Type": "MotorBreakdown", "Name": "AA breakdown family cover", "Textual": "Includes Roadside Assistance. The customer and eligible family members are covered, not the vehicle. Provides cover within the UK, Channel Islands and Isle of Man." }, { "Identification": "LBG-BG-003", "Type": "TechnologyInsurance", "Name": "Mobile phone insurance", "Textual": "Insures one phone on a sole account and two phones for joint accounts Repair or replacement phone up to a maximum of \u00a32,000 (including VAT) Covers loss, theft, damage or breakdown (including faults)" }, { "Identification": "LBG-BG-004", "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card.\nIf you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.\u00a0" } ] } ], "FeatureBenefitItem": [ { "Identification": "LCL-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LCL-BI-005", "Type": "AccountManagement", "Name": "Money Manager ", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCL-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCL-BI-007", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCL-BI-008", "Type": "AccountManagement", "Name": "Internet Banking ", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCL-BI-009", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "11.50", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "Silver Account monthly maintaining the account fee of \u00a311.50 per month" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA)." ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/silver-account.html", "ProductDescription": "Packed with benefits for only \u00a311.50 per month", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Student Account", "Identification": "325", "Segment": [ "Student" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "LSA-R001", "MarketingState": "Regular", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "9999-12-31", "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Whole", "CalculationMethod": "SimpleInterest", "Destination": "SelfCredit", "TierBand": [ { "TierValueMinimum": "0", "CalculationFrequency": "Monthly", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Whole", "FixedVariableInterestRateType": "Variable", "AER": "0.0", "BankInterestRateType": "Gross" } ] } ] }, "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Tiered", "OverdraftType": "OnDemand", "Identification": "Student Overdraft Y1-3", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LSA-AT-101", "TierValueMin": "0.00", "TierValueMax": "1500", "EAR": "0.0", "Notes": [ "For students in years 1-3 of their study the arranged overdraft interest rate does not apply, provided you do not exceed your \u00a31500 interest-free amount" ] }, { "Identification": "LSA-AT-102", "TierValueMin": "1500", "EAR": "29.90", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged.\n" ] } ] }, { "TierBandMethod": "Tiered", "OverdraftType": "OnDemand", "Identification": "Student Overdraft Y4-6", "AuthorisedIndicator": true, "OverdraftTierBand": [ { "TierValueMin": "0", "TierValueMax": "2000", "EAR": "0", "Notes": [ "For students in years 4-6 of their study the arranged overdraft interest rate does not apply, provided you do not exceed your \u00a32000 interest-free amount" ] }, { "TierValueMin": "2000", "EAR": "29.9", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged." ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Student", "Description": "You must be studying full time on a degree course or equivalent course of further education. The account can be held for up to 6 years. When you graduate, your account will be moved to a Graduate Account. We\u2019ll give at least 2 months\u2019 notice of any changes.\n\nTo open a student bank account, you will need to provide your UCAS code as proof of the qualifying course being studied. Courses without a UCAS code are not eligible for our student bank account", "Type": "StudentsOnly", "Indicator": true, "Notes": [ "To apply for a Lloyds Bank Student Account you must be studying for a full-time course that lasts for a minimum of two years or be on a one year access course leading onto a full-time degree" ] }, { "Name": "Sole Account", "Description": "There are limits on the number of accounts you can have and what you can then do.", "Type": "SoleStudentAccount", "Amount": "1" } ], "AgeEligibility": { "MinimumAge": 17, "Notes": [ "To apply for a Lloyds Bank Student Account you must be 17 or over." ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "LSA-BI-001", "Type": "AccountOpeningOrSwitching Incentive", "Name": "Planned Overdraft", "Textual": "1: in years 1-3 you can apply for an arranged overdraft where there is a fee-free amount of up to \u00a31500\n2: in years 4-6 your arranged overdraft has a fee-free amount of up to \u00a32000" }, { "Identification": "LSA-BI-003", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LSA-BI-005", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LSA-BI-006", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LSA-BI-008", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LSA-BI-009", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Type": "Rewards", "Textual": "Students opening a new account from 30th July 2026 can get a \u00a3100 cash offer, plus up to \u00a3120 of Deliveroo vouchers. To get the \u00a3100 cash offer, you must open or switch to a Student Account between 30 July and 30 October 2026 and pay in at least \u00a3500 by 30 October. You won\u2019t qualify if you\u2019ve had a Student or Graduate Account with Lloyds, Halifax, or Bank of Scotland since 1 August 2021, or if your application is unsuccessful or outside the offer date." }, { "Type": "Travel", "Name": "No Debit Card Charges Abroad", "Textual": "Wherever you are, we won't charge you for using your debit card. If you're abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/student-account.asp", "ProductDescription": "Packed with all you need to make the most of your studies", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Classic Account", "Identification": "71", "Segment": [ "General" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "LCA-R002", "MarketingState": "Promotional", "FirstMarketedDate": "1900-01-01", "LastMarketedDate": "2026-05-05", "StateTenureLength": 3, "StateTenurePeriod": "Month", "Notes": [ "Interest free Arranged Overdraft for 3 months" ], "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "Identification": "LCA-ODAR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LCA-AT-201", "TierValueMin": "0.00", "EAR": "0.0", "Notes": [ "To qualify for the interest-free offer you must :\r\n\u2022 Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Lloyds Bank account\r\n\u2022 Have not used the offer within the last 12 months\r\n\u2022 Have applied, and been approved for, an Arranged Overdraft on your new Lloyds Bank account" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or older" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "LCA-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LCA-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCA-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCA-BI-007", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCA-BI-008", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCA-BI-009", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayTransRateNonSterling", "FeeRate": "2.9900", "FeeRateType": "Gross", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency transaction fee: fee charged for the conversion of currency. This is a percentage value of your transaction. \nThe amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate" ] }, { "FeeCategory": "ATM", "FeeType": "ATMForeignCashDebCard", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency cash fee: fee charged to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate. ", "Foreign currency cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayPurchaseNonSterling", "FeeAmount": "0.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency purchase fee: fee charged per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). Fee is applicable only to debit card transactions. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate", "Foreign currency purchase fee is not charged for purchases in euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "ATM", "FeeType": "ATMAbroadConVisaDebit", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign cash fee : fee charged where you elect to allow the cash machine operator/financial service provider to make the conversion to pounds. The provider of the foreign currency may make a separate charge for conversion.", "Foreign cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/classic-account.asp", "ProductDescription": "The everyday current account for everyday banking\n\nIf you are unable to apply online, you can apply for your first Classic Account by booking an appointment at your nearest branch", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Branch", "CallCentre", "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } }, { "Identification": "LCA-R001", "PredecessorID": "LCA-R002", "MarketingState": "Regular", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "9999-12-31", "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "Identification": "LCA-ODAR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LCA-AT-101", "TierValueMin": "0.00", "EAR": "29.90", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged.\n" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or older" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "LCA-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LCA-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCA-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCA-BI-007", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCA-BI-008", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCA-BI-009", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Type": "AccountOpeningOrSwitching Incentive", "Name": "RAF30", "Amount": "30.00", "Notes": [ "You can earn \u00a330 by referring a friend to open a Lloyds Personal Current Account. To qualify as the referrer, you must hold any Lloyds Personal Current Account, except for Under19s, Smart Start, or Student Accounts. To receive the reward, you need to share your referral link with a friend, and they must use it to open a qualifying account. That account must remain open for at least 7 days. As the referred friend, you will earn \u00a330 if you open a qualifying Lloyds Personal Current Account using the referral link provided by the existing customer. Eligible accounts include Classic, Club Lloyds, Basic, Lloyds Premier, Silver, Platinum, Club Lloyds Silver, or Club Lloyds Platinum. You must not have previously received a Refer a Friend reward from Lloyds. (T&Cs Apply)\n" ] } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayTransRateNonSterling", "FeeRate": "2.9900", "FeeRateType": "Gross", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency transaction fee: fee charged for the conversion of currency. This is a percentage value of your transaction. \nThe amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate" ] }, { "FeeCategory": "ATM", "FeeType": "ATMForeignCashDebCard", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency cash fee: fee charged to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate. ", "Foreign currency cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayPurchaseNonSterling", "FeeAmount": "0.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency purchase fee: fee charged per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). Fee is applicable only to debit card transactions. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate", "Foreign currency purchase fee is not charged for purchases in euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "ATM", "FeeType": "ATMAbroadConVisaDebit", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign cash fee : fee charged where you elect to allow the cash machine operator/financial service provider to make the conversion to pounds. The provider of the foreign currency may make a separate charge for conversion.", "Foreign cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/classic-account.asp", "ProductDescription": "The everyday current account for everyday banking\n\n\nIf you are unable to apply online, you can apply for your first Classic Account by booking an appointment at your nearest branch", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Branch", "CallCentre", "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Club Lloyds Platinum Account", "Identification": "1004", "Segment": [ "Packaged" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "LCP-R001", "PredecessorID": "LCP-R002", "MarketingState": "Regular", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "9999-12-31", "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Tiered", "CalculationMethod": "Compound", "Destination": "SelfCredit", "TierBand": [ { "Identification": "LCP-TB-001", "TierValueMinimum": "1.00", "TierValueMaximum": "3999.99", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "0.75", "BankInterestRateType": "Gross" }, { "Identification": "LCP-TB-002", "TierValueMinimum": "4000.00", "TierValueMaximum": "5000.00", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "3.00", "BankInterestRateType": "Gross" } ], "CreditInterestEligibility": [ { "Name": "Minimum Direct Debits", "Description": "Must pay two separate Direct Debits from your Club Lloyds current account", "Type": "DirectDebits", "Amount": "2", "Textual": "You must pay two separate Direct Debits from your Club Lloyds current account each calendar month", "Period": "Month" } ] } ] }, "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Tiered", "OverdraftType": "OnDemand", "Identification": "LCP-AR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LCP-AT-101", "TierValueMin": "0.00", "TierValueMax": "100.00", "EAR": "0.0", "Notes": [ "The arranged overdraft interest rate does not apply provided you do not exceed your \u00a3100 interest-free amount.\n" ] }, { "Identification": "LCP-AT-102", "TierValueMin": "100.00", "EAR": "29.90", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged.\n" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or older" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Club Lloyds Lifestyle Benefits", "Type": "Lifestyle", "Notes": [ "As a Club Lloyds member, you can choose one Lifestyle Benefit per account per year. You can pick a different one for each account every year, as long as you remain a Club Lloyds customer." ], "FeatureBenefitItem": [ { "Identification": "LCP-BG-001", "Type": "Lifestyle", "Name": "6 Cinema Tickets", "Textual": "6 Vue or ODEON tickets valid at over 80 locations across the UK for use throughout the year." }, { "Identification": "LCP-BG-002", "Type": "Lifestyle", "Name": "Annual Magazine Subscription", "Textual": "You can choose one magazine from a wide range of titles available to have delivered to your door or downloaded to your device (compatible with Apple and Android\u2122 devices)." }, { "Identification": "LCP-BG-003", "Type": "Lifestyle", "Name": "Annual Coffee Club and Gourmet Society Membership", "Textual": "An annual Coffee Club and Gourmet Society membership gives you 25% off barista-made drinks at Caffe Nero and 25% off your bill at brands including Prezzo and thousands of independent restaurants. Get pizza delivery offers alongside great discounts on theatre tickets and UK attractions." }, { "Identification": "LCP-BG-004", "Type": "Lifestyle", "Name": "Disney+ subscription", "Textual": "Choose 12 months of Disney+ and stream endless entertainment from Disney, Pixar, Marvel, Star Wars and National Geographic; as well as a range of general entertainment." } ] }, { "Name": "Lloyds Platinum Benefits", "Type": "Other", "Notes": [ "Lloyds Platinum Account Benefits" ], "OtherType": { "Name": "Platinum Benefits", "Description": "Packaged account benefits" }, "FeatureBenefitItem": [ { "Identification": "LCP-BG-004", "Type": "TravelInsurance", "Name": "Worldwide travel insurance", "Textual": "Multi-trip Worldwide travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children). Up to the age of 80 for adults and 18 or under (24 or under if still in full time education) for children." }, { "Identification": "LCP-BG-005", "Type": "MotorBreakdown", "Name": "AA Breakdown family Cover", "Textual": "Includes Roadside Assistance, At Home and National Recovery. The customer and eligible family member is covered, not the vehicle.\nProvides cover within the UK, Channel Islands and Isle of Man." }, { "Identification": "LCP-BG-006", "Type": "TechnologyInsurance", "Name": "Mobile phone insurance", "Textual": "Insures one phone on a sole account and two phones for joint accounts\nRepair or replacement phone up to a maximum of \u00a32,000 (including VAT)\nCovers loss, theft, damage or breakdown (including faults)" }, { "Identification": "LCS-BG-007", "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card.\nIf you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.\u00a0" } ] } ], "FeatureBenefitItem": [ { "Identification": "LCL-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LCL-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCL-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCL-BI-007", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCL-BI-008", "Type": "PreferentialRates", "Name": "Club Lloyds Banking Offers", "Textual": "As a Club Lloyds customer you\u2019ll get exclusive access to offers on a range of Lloyds Bank products. Check our website to see the latest offers." }, { "Identification": "LCL-BI-009", "Type": "PreferentialRates", "Name": "Credit Interest", "Textual": "Earn variable credit interest of 0.75% AER (0.75% gross p.a.) on balances from \u00a31 to \u00a33,999.99 and 3.00% AER (2.96% gross p.a.) on any part of the balance from \u00a34,000 to \u00a35,000 when you pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.", "FeatureBenefitEligibility": [ { "Name": "Minimum 2 Direct Debits", "Description": "Minimum 2 Direct debits from Club Lloyds Account", "Type": "DirectDebits", "Amount": "2", "Indicator": true, "Textual": "You need to pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.\nPlease note, qualifying Direct Debits must come out monthly, quarterly Direct Debits are not eligible. Also Standing Orders do not qualify.", "Period": "Month" } ] }, { "Identification": "LCL-BI-010", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCL-BI-011", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Type": "AccountOpeningOrSwitching Incentive", "Name": "RAF30", "Amount": "30.00", "Notes": [ "You can earn \u00a330 by referring a friend to open a Lloyds Personal Current Account. To qualify as the referrer, you must hold any Lloyds Personal Current Account, except for Under19s, Smart Start, or Student Accounts. To receive the reward, you need to share your referral link with a friend, and they must use it to open a qualifying account. That account must remain open for at least 7 days. As the referred friend, you will earn \u00a330 if you open a qualifying Lloyds Personal Current Account using the referral link provided by the existing customer. Eligible accounts include Classic, Club Lloyds, Basic, Lloyds Premier, Silver, Platinum, Club Lloyds Silver, or Club Lloyds Platinum. You must not have previously received a Refer a Friend reward from Lloyds. (T&Cs Apply)\n" ] } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "27.50", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "Packed with insurance benefits. Also includes variable credit interest and more great benefits through Club Lloyds. The Club Lloyds Platinum monthly maintaining the account fee comprises of: Platinum Account monthly maintaining the account fee of \u00a322.50 per month Plus the Club Lloyds monthly maintaining the account fee is \u00a35 per month. The \u00a35 fee is waived for each month you pay at least \u00a32,000 into your account. If in any month you don't pay in this amount, you will need to pay the \u00a35 monthly maintaining the account fee. Maximum combined monthly maintaining the account fee of \u00a327.50 per month.\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/club-platinum-account.asp", "ProductDescription": "Packed with insurance benefits. Also includes variable credit interest and more great benefits through Club Lloyds. The Club Lloyds Platinum monthly maintaining the account fee comprises of: Platinum Account monthly maintaining the account fee of \u00a322.50 per month Plus the Club Lloyds monthly maintaining the account fee is \u00a35 per month. The \u00a35 fee is waived for each month you pay at least \u00a32,000 into your account. If in any month you don't pay in this amount, you will need to pay the \u00a35 monthly maintaining the account fee. Maximum combined monthly maintaining the account fee of \u00a327.50 per month.", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } }, { "Identification": "LCP-R002", "MarketingState": "Promotional", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "2026-05-05", "StateTenureLength": 3, "StateTenurePeriod": "Month", "Notes": [ "Interest free Arranged Overdraft for 3 months" ], "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Tiered", "CalculationMethod": "Compound", "Destination": "SelfCredit", "TierBand": [ { "Identification": "LCP-TB-001", "TierValueMinimum": "1.00", "TierValueMaximum": "3999.99", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "0.75", "BankInterestRateType": "Gross" }, { "Identification": "LCP-TB-002", "TierValueMinimum": "4000.00", "TierValueMaximum": "5000.00", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "3.00", "BankInterestRateType": "Gross" } ], "CreditInterestEligibility": [ { "Name": "Minimum Direct Debits", "Description": "Must pay two separate Direct Debits from your Club Lloyds current account", "Type": "DirectDebits", "Amount": "2", "Textual": "You must pay two separate Direct Debits from your Club Lloyds current account each calendar month", "Period": "Month" } ] } ] }, "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "Identification": "LCP-AR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LCP-AT-201", "TierValueMin": "0.00", "EAR": "0.0", "Notes": [ "To qualify for the interest-free offer you must :\r\n\u2022 Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Lloyds Bank account\r\n\u2022 Have not used the offer within the last 12 months\r\n\u2022 Have applied, and been approved for, an Arranged Overdraft on your new Lloyds Bank account" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or older" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Club Lloyds Lifestyle Benefits", "Type": "Lifestyle", "Notes": [ "As a Club Lloyds member, you can choose one Lifestyle Benefit per account per year. You can pick a different one for each account every year, as long as you remain a Club Lloyds customer." ], "FeatureBenefitItem": [ { "Identification": "LCP-BG-001", "Type": "Lifestyle", "Name": "6 Cinema Tickets", "Textual": "6 Vue or ODEON tickets valid at over 80 locations across the UK for use throughout the year." }, { "Identification": "LCP-BG-002", "Type": "Lifestyle", "Name": "Annual Magazine Subscription", "Textual": "You can choose one magazine from a wide range of titles available to have delivered to your door or downloaded to your device (compatible with Apple and Android\u2122 devices)" }, { "Identification": "LCP-BG-003", "Type": "Lifestyle", "Name": "Annual Coffee Club and Gourmet Society Membership", "Textual": "An annual Coffee Club and Gourmet Society membership gives you 25% off barista-made drinks at Caffe Nero and 25% off your bill at brands including Prezzo and thousands of independent restaurants. Get pizza delivery offers alongside great discounts on theatre tickets and UK attractions." }, { "Identification": "LCP-BG-004", "Type": "Lifestyle", "Name": "Disney+ subscription", "Textual": "Choose 12 months of Disney+ and stream endless entertainment from Disney, Pixar, Marvel, Star Wars and National Geographic; as well as a range of general entertainment." } ] }, { "Name": "Lloyds Platinum Benefits", "Type": "Other", "Notes": [ "Lloyds Platinum Account Benefits" ], "OtherType": { "Name": "Platinum Benefits", "Description": "Packaged account benefits" }, "FeatureBenefitItem": [ { "Identification": "LCP-BG-004", "Type": "TravelInsurance", "Name": "Worldwide travel insurance", "Textual": "Multi-trip Worldwide travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children). Up to the age of 80 for adults and 18 or under (24 or under if still in full time education) for children." }, { "Identification": "LCP-BG-005", "Type": "MotorBreakdown", "Name": "AA Breakdown Family Cover", "Textual": "Includes Roadside Assistance, At Home and National Recovery. The customer and eligible family member is covered, not the vehicle.\nProvides cover within the UK, Channel Islands and Isle of Man." }, { "Identification": "LCP-BG-006", "Type": "TechnologyInsurance", "Name": "Mobile phone insurance", "Textual": "Insures one phone on a sole account and two phones for joint accounts\nRepair or replacement phone up to a maximum of \u00a32,000 (including VAT)\nCovers loss, theft, damage or breakdown (including faults)" }, { "Identification": "LCS-BG-007", "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card.\nIf you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.\u00a0" } ] } ], "FeatureBenefitItem": [ { "Identification": "LCL-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LCL-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCL-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCL-BI-007", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCL-BI-008", "Type": "PreferentialRates", "Name": "Club Lloyds Banking Offers", "Textual": "As a Club Lloyds customer you\u2019ll get exclusive access to offers on a range of Lloyds Bank products. Check our website to see the latest offers." }, { "Identification": "LCL-BI-009", "Type": "PreferentialRates", "Name": "Credit Interest", "Textual": "Earn variable credit interest of 0.75% AER (0.75% gross p.a.) on balances from \u00a31 to \u00a33,999.99 and 3.00% AER (2.96% gross p.a.) on any part of the balance from \u00a34,000 to \u00a35,000 when you pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.", "FeatureBenefitEligibility": [ { "Name": "Minimum 2 Direct Debits", "Description": "Minimum 2 Direct debits from Club Lloyds Account", "Type": "DirectDebits", "Amount": "2", "Indicator": true, "Textual": "You need to pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.\nPlease note, qualifying Direct Debits must come out monthly, quarterly Direct Debits are not eligible. Also Standing Orders do not qualify.", "Period": "Month" } ] }, { "Identification": "LCL-BI-010", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCL-BI-011", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "27.50", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "Packed with insurance benefits. Also includes variable credit interest and more great benefits through Club Lloyds. The Club Lloyds Platinum monthly maintaining the account fee comprises of: Platinum Account monthly maintaining the account fee of \u00a322.50 per month Plus the Club Lloyds monthly maintaining the account fee is \u00a35 per month. The \u00a35 fee is waived for each month you pay at least \u00a32,000 into your account. If in any month you don't pay in this amount, you will need to pay the \u00a35 monthly maintaining the account fee. Maximum combined monthly maintaining the account fee of \u00a327.50 per month.\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/club-platinum-account.asp", "ProductDescription": "Packed with insurance benefits. Also includes variable credit interest and more great benefits through Club Lloyds. The Club Lloyds Platinum monthly maintaining the account fee comprises of: Platinum Account monthly maintaining the account fee of \u00a322.50 per month Plus the Club Lloyds monthly maintaining the account fee is \u00a35 per month. The \u00a35 fee is waived for each month you pay at least \u00a32,000 into your account. If in any month you don't pay in this amount, you will need to pay the \u00a35 monthly maintaining the account fee. Maximum combined monthly maintaining the account fee of \u00a327.50 per month.", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Lloyds Premier account", "Identification": "0345", "Segment": [ "Reward" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "LPR-R001", "MarketingState": "Regular", "FirstMarketedDate": "2025-05-20", "LastMarketedDate": "9999-12-31", "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Tiered", "CalculationMethod": "Compound", "Destination": "SelfCredit", "Notes": [ "To qualify for credit interest, you'll need to pay two different Direct Debits from your Lloyds Premier current account each calendar month." ], "TierBand": [ { "Identification": "LPA-TB-101", "TierValueMinimum": "1.00", "TierValueMaximum": "3999.99", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "1.50", "BankInterestRateType": "Gross" }, { "Identification": "LPA-TB-102", "TierValueMinimum": "4000.00", "TierValueMaximum": "5000.00", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "3.00", "BankInterestRateType": "Gross" } ], "CreditInterestEligibility": [ { "Name": "Minimum direct debits", "Description": "Must pay two different Direct Debits from your Lloyds Premier current account", "Type": "DirectDebits", "Amount": "2", "Textual": "You must pay two different Direct Debits from your Lloyds Premier current account each calendar month", "Period": "Month" } ] } ] }, "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Tiered", "OverdraftType": "OnDemand", "Identification": "LPA-AR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LPA-AT-101", "TierValueMin": "0.00", "TierValueMax": "100.00", "EAR": "0.0", "Notes": [ "The arranged overdraft interest rate does not apply provided you do not exceed your \u00a3100 interest-free amount. " ] }, { "Identification": "LPA-AT-102", "TierValueMin": "100.00", "EAR": "29.90", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged.\n" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or older" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Lloyds Premier Account Benefits ", "Type": "Lifestyle", "Notes": [ "As a Lloyds Premier account holder, you can choose one Lifestyle Benefit per year. You can pick a different one each year, as long as you remain a Lloyds Premier customer. You also get access to a Bupa Family GP and Wellbeing Subscription." ], "FeatureBenefitItem": [ { "Identification": "LPA-BG-001", "Type": "Lifestyle", "Name": "6 Cinema Tickets", "Textual": "6 Vue or ODEON tickets valid across the UK for use throughout the year." }, { "Identification": "LPA-BG-002", "Type": "Lifestyle", "Name": "Annual Magazine Subscription", "Textual": "You can choose one magazine from a wide range of titles available to have delivered to your door or downloaded to your device (compatible with Apple and Android\u2122 devices)." }, { "Identification": "LPA-BG-003", "Type": "Lifestyle", "Name": "Annual Coffee Club and Gourmet Society Membership", "Textual": "An annual Coffee Club and Gourmet Society membership gives you 25% off barista-made drinks at Caffe Nero and 25% off your bill at brands including PizzaExpress and thousands of independent restaurants. Get 50% off pizza takeaway alongside great discounts on theatre tickets and UK attractions." }, { "Identification": "LPA-BG-004", "Type": "Lifestyle", "Name": "Disney+ Standard With Ads Subscription", "Textual": "Choose 12 months of Disney+ Standard with Ads subscription and stream endless entertainment from Disney, Pixar, Marvel, Star Wars and National Geographic; as well as a range of general entertainment." }, { "Identification": "LPA-BG-005", "Type": "Lifestyle", "Name": "Bupa Family GP and Wellbeing Subscription", "Textual": "Access to a range of remote digital health and wellbeing services with Bupa:\nGP appointments and private prescriptions\nPhysiotherapy appointments.\nMental health support.\nFitness and wellbeing classes.\n\nThe subscription provides services for you, your partner and children aged up to 24 years old" } ] } ], "FeatureBenefitItem": [ { "Identification": "LPA-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LPA-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LPA-BI-007", "Type": "AccountManagement", "Name": "ATM withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LPA-BI-008", "Type": "PreferentialRates", "Name": "Lloyds Premier Banking Offers", "Textual": "As a Lloyds Premier customer you\u2019ll get exclusive access to offers on a range of Lloyds Bank products. Check our website to see the latest offers." }, { "Identification": "LPA-BI-009", "Type": "PreferentialRates", "Name": "Credit interest", "Textual": "Earn variable credit interest of 1.50% AER (1.49% gross p.a.) on balances from \u00a31 and \u00a33,999.99, and 3.00% AER (2.96% gross p.a.) on any part of the balance from \u00a34,000 to \u00a35,000 when you pay at least two different Direct Debits from your Lloyds Premier current account each calendar month.", "FeatureBenefitEligibility": [ { "Name": "Minimum 2 Direct Debits", "Description": "Minimum 2 Direct debits from Lloyds Premier Account", "Type": "DirectDebits", "Amount": "2", "Indicator": true, "Textual": "You need to pay at least two different Direct Debits from your Lloyds Premier current account each calendar month.\nPlease note, qualifying Direct Debits must come out monthly, quarterly Direct Debits are not eligible. Also Standing Orders do not qualify.", "Period": "Month" } ] }, { "Identification": "LPA-BI-010", "Type": "AccountManagement", "Name": "Internet banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LPA-BI-011", "Type": "AccountManagement", "Name": "Card controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Type": "AccountOpeningOrSwitching Incentive", "Name": "RAF30", "Amount": "30.00", "Notes": [ "You can earn \u00a330 by referring a friend to open a Lloyds Personal Current Account. To qualify as the referrer, you must hold any Lloyds Personal Current Account, except for Under19s, Smart Start, or Student Accounts. To receive the reward, you need to share your referral link with a friend, and they must use it to open a qualifying account. That account must remain open for at least 7 days. As the referred friend, you will earn \u00a330 if you open a qualifying Lloyds Personal Current Account using the referral link provided by the existing customer. Eligible accounts include Classic, Club Lloyds, Basic, Lloyds Premier, Silver, Platinum, Club Lloyds Silver, or Club Lloyds Platinum. You must not have previously received a Refer a Friend reward from Lloyds. (T&Cs Apply)\n" ] } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking apps for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "15.00", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "\u00a315 monthly fee. Refunded each month you meet the eligibility criteria. \u200b You\u2019ll need to pay in \u00a35,000 each month or have \u00a3100,000 of qualifying savings or investments with us to be eligible for this account. \u200b" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/lloyds-premier.html", "ProductDescription": "\u00a315 monthly fee. Refunded each month you meet the eligibility criteria. \u200b\n\nYou\u2019ll need to pay in \u00a35,000 each month or have \u00a3100,000 of qualifying savings or investments with us to be eligible for this account. \u200b\n\nBupa Family GP and Wellbeing subscription including access to remote GP appointments\n\nLifestyle benefit each year - choose either a 12-month subscription to Disney+ Standard With Ads, 6 cinema tickets, an annual Coffee Club and Gourmet Society membership or an annual magazine subscription\n\nMortgage, product, savings and cashback offers\n\nPreferential product rates and offers\u200b\n\nAccess to expert financial coaches and a dedicated, servicing team available 24/7\u200b\n\n\u200b1% cashback up to \u00a310 per month per account on eligible debit card spend worldwide.", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } }, { "Identification": "LPR-R002", "MarketingState": "Promotional", "FirstMarketedDate": "2025-05-20", "LastMarketedDate": "2026-05-05", "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Tiered", "CalculationMethod": "Compound", "Destination": "SelfCredit", "Notes": [ "To qualify for credit interest, you'll need to pay two different Direct Debits from your Lloyds Premier current account each calendar month." ], "TierBand": [ { "Identification": "LPA-TB-101", "TierValueMinimum": "1.00", "TierValueMaximum": "3999.99", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "1.50", "BankInterestRateType": "Gross" }, { "Identification": "LPA-TB-102", "TierValueMinimum": "4000.00", "TierValueMaximum": "5000.00", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "3.00", "BankInterestRateType": "Gross" } ], "CreditInterestEligibility": [ { "Name": "Minimum direct debits", "Description": "Must pay two different Direct Debits from your Lloyds Premier current account", "Type": "DirectDebits", "Amount": "2", "Textual": "You must pay two different Direct Debits from your Lloyds Premier current account each calendar month", "Period": "Month" } ] } ] }, "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "Identification": "LPA-AT-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LPA-AT-101", "TierValueMin": "0.00", "EAR": "0.0", "Notes": [ "To qualify for the interest-free offer you must : \u2022 Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Lloyds Bank account \u2022 Have not used the offer within the last 12 months \u2022 Have applied, and been approved for, an Arranged Overdraft on your new Lloyds Bank account" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or older" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Lloyds Premier Account Benefits ", "Type": "Lifestyle", "Notes": [ "As a Lloyds Premier account holder, you can choose one Lifestyle Benefit per year. You can pick a different one each year, as long as you remain a Lloyds Premier customer. You also get access to a Bupa Family GP and Wellbeing Subscription." ], "FeatureBenefitItem": [ { "Identification": "LPA-BG-001", "Type": "Lifestyle", "Name": "6 Cinema Tickets", "Textual": "6 Vue or ODEON tickets valid at UK for use throughout the year." }, { "Identification": "LPA-BG-002", "Type": "Lifestyle", "Name": "Annual Magazine Subscription", "Textual": "You can choose one magazine from a wide range of titles available to have delivered to your door or downloaded to your device (compatible with Apple and Android\u2122 devices)." }, { "Identification": "LPA-BG-003", "Type": "Lifestyle", "Name": "Annual Coffee Club and Gourmet Society Membership", "Textual": "An annual Coffee Club and Gourmet Society membership gives you 25% off barista-made drinks at Caffe Nero and 25% off your bill at brands including PizzaExpress and thousands of independent restaurants. Get 50% off pizza takeaway alongside great discounts on theatre tickets and UK attractions." }, { "Identification": "LPA-BG-004", "Type": "Lifestyle", "Name": "Disney+ Standard with Ads Subscription", "Textual": "Choose 12 months of Disney+ Standard with Ads subscription and stream endless entertainment from Disney, Pixar, Marvel, Star Wars and National Geographic; as well as a range of general entertainment." }, { "Identification": "LPA-BG-005", "Type": "Lifestyle", "Name": "Bupa Family GP and Wellbeing Subscription", "Textual": "Access to a range of remote digital health and wellbeing services with Bupa:\nGP appointments and private prescriptions\nPhysiotherapy appointments.\nMental health support.\nFitness and wellbeing classes.\n\nThe subscription provides services for you, your partner and children aged up to 24 years old" } ] } ], "FeatureBenefitItem": [ { "Identification": "LPA-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LPA-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LPA-BI-007", "Type": "AccountManagement", "Name": "ATM withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LPA-BI-008", "Type": "PreferentialRates", "Name": "Lloyds Premier Banking Offers", "Textual": "As a Lloyds Premier customer you\u2019ll get exclusive access to offers on a range of Lloyds Bank products. Check our website to see the latest offers." }, { "Identification": "LPA-BI-009", "Type": "PreferentialRates", "Name": "Credit Interest", "Textual": "Earn variable credit interest of 1.50% AER (1.49% gross p.a.) on balances from \u00a31 and \u00a33,999.99, and 3.00% AER (2.96% gross p.a.) on any part of the balance from \u00a34,000 to \u00a35,000 when you pay at least two different Direct Debits from your Lloyds Premier current account each calendar month.", "FeatureBenefitEligibility": [ { "Name": "Minimum 2 Direct Debits", "Description": "Minimum 2 Direct debits from Lloyds Premier Account", "Type": "DirectDebits", "Amount": "2", "Indicator": true, "Textual": "You need to pay at least two different Direct Debits from your Lloyds Premier current account each calendar month.\nPlease note, qualifying Direct Debits must come out monthly, quarterly Direct Debits are not eligible. Also Standing Orders do not qualify.", "Period": "Month" } ] }, { "Identification": "LPA-BI-010", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LPA-BI-011", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking apps for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "15.00", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "\u00a315 monthly fee. Refunded each month you meet the eligibility criteria. \u200b You\u2019ll need to pay in \u00a35,000 each month or have \u00a3100,000 of qualifying savings or investments with us to be eligible for this account. \u200b" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/lloyds-premier.html", "ProductDescription": "\u00a315 monthly fee. Refunded each month you meet the eligibility criteria. \u200b\n\nYou\u2019ll need to pay in \u00a35,000 each month or have \u00a3100,000 of qualifying savings or investments with us to be eligible for this account. \u200b\n\nBupa Family GP and Wellbeing Subscription including access to remote GP appointments\n\nLifestyle benefit each year - choose either a 12-month subscription to Disney+ Standard With Ads, 6 cinema tickets, an annual Coffee Club and Gourmet Society membership or an annual magazine subscription\n\nMortgage, product, savings and cashback offers\n\nPreferential product rates and offers\u200b\n\nAccess to expert financial coaches and a dedicated, servicing team available 24/7\u200b\n\n\u200b1% cashback up to \u00a310 per month on eligible debit card spend worldwide.", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Basic Account", "Identification": "1006", "Segment": [ "Basic" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "LBA-R001", "MarketingState": "Regular", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "9999-12-31", "Notes": [ "Overdraft information for Under 19s, Islamic* and Basic Accounts.\nArranged Overdrafts are not available on these accounts. If you do go overdrawn, you will not be charged a daily arranged overdraft fee.\n\n*We cannot accept new account applications for these products" ], "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": true } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or older" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ], "Notes": [ "You cannot apply for a Basic account directly and may be able to get a Basic Account if you do not meet the conditions for one of our other current accounts such as a Classic Account. This might be because you are bankrupt, in financial difficulty, or if we are not able to obtain information about your credit history. If you apply for one of our other current accounts, we will try to obtain information about your credit history to decide the most appropriate account for you." ] }, "CreditCheck": { "ScoringType": "Soft" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "LCA-BI-001", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LCA-BI-002", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCA-BI-003", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCA-BI-004", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCA-BI-005", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCA-BI-006", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Type": "Rewards", "Name": "Refer a Friend", "Amount": "50.00", "Notes": [ "You can earn \u00a350 by referring a friend to open a Lloyds Personal Current Account. To qualify as the referrer, you must hold any Lloyds Personal Current Account, except for Under19s, Smart Start, or Student Accounts. To receive the reward, you need to share your referral link with a friend, and they must use it to open a qualifying account. That account must remain open for at least 7 days. \nAs the referred friend, you will earn \u00a350 if you open a qualifying Lloyds Personal Current Account using the referral link provided by the existing customer. Eligible accounts include Classic, Club Lloyds, Basic, Lloyds Premier, Silver, Platinum, Club Lloyds Silver, or Club Lloyds Platinum. You must not have previously received a Refer a Friend reward from Lloyds. \n(T&Cs Apply)\n" ] } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, euro via SEPA Credit Transfer, or pounds from a bank account in the EU to our Basic Account. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, euro via SEPA Credit Transfer, or pounds from a bank account in the EU to our Basic Account. " ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayTransRateNonSterling", "FeeRate": "2.9900", "FeeRateType": "Gross", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency transaction fee: fee charged for the conversion of currency. This is a percentage value of your transaction. \nThe amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate" ] }, { "FeeCategory": "ATM", "FeeType": "ATMForeignCashDebCard", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency cash fee: fee charged to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate. ", "Foreign currency cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayPurchaseNonSterling", "FeeAmount": "0.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency purchase fee: fee charged per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). Fee is applicable only to debit card transactions. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate", "Foreign currency purchase fee is not charged for purchases in euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency. No fee is charged for sending euro, or payments made in pounds from our Basic Account." ] }, { "FeeCategory": "ATM", "FeeType": "ATMAbroadConVisaDebit", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign cash fee : fee charged where you elect to allow the cash machine operator/financial service provider to make the conversion to pounds. The provider of the foreign currency may make a separate charge for conversion.", "Foreign cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "http://www.lloydsbank.com/current-accounts/all-accounts/basic-account.asp?srnum=1", "ProductDescription": "A Lloyds Basic Account may be available if you don\u2019t meet the conditions for one of our other current accounts. This might be because you\u2019re bankrupt, in financial difficulty, or if we\u2019re not able to obtain information about your credit history.", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Branch", "CallCentre", "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Spending Account", "Identification": "1592", "Segment": [ "Youth" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "LYA-R002", "MarketingState": "Regular", "FirstMarketedDate": "2021-09-06", "LastMarketedDate": "9999-12-31", "Notes": [ "Arranged Overdrafts are not available on the Spending Account. If you do go overdrawn, you will not be charged a daily arranged overdraft fee." ], "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 11, "MaximumAge": 15, "Notes": [ "This account can only be opened online between the parent or legal guardian and a child, as part of applying for Smart Start. This means a Savings Account will be opened alongside the Spending Account. To open this account, the parent or legal guardian must be 18 or over, resident in the UK, and be registered for Online Banking. The child must be aged 11-15. The parent or legal guardian must have one of our current accounts. This includes accounts that are no longer on sale to new customers and our Basic account, but not our accounts designed for youth customers. The child must be living at the same address as the parent or legal guardian. The child can only hold one Spending Account." ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Soft" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Mobile Alerts", "Type": "AccountManagement", "Notes": [ "Our mobile alerts are a simple and convenient way to \nhelp you stay on top of your money - if we have your mobile number, we'll send alerts to keep you up to date on your account balance." ] }, { "Name": "Educational Support", "Type": "AccountManagement", "Notes": [ "Tips on how to use your accounts, spend and save wisely, and keep your money safe and secure." ] }, { "Name": "Internet Banking", "Type": "AccountManagement", "Notes": [ "With Internet Banking, make the most of your account 24/7. It's the easiest way to keep track of your money, make payments and transfers, and see your statements." ] }, { "Name": "Card Controls", "Type": "AccountManagement", "Notes": [ "You can freeze and unfreeze certain Visa debit transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." ] } ], "FeatureBenefitItem": [ { "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android is quick and easy to install, fast convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "ApplePay" }, { "Type": "GooglePay" }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayTransRateNonSterling", "FeeRate": "2.99", "FeeRateType": "Gross", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency transaction fee: fee charged for the conversion of currency. This is a percentage value of your transaction. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate." ] }, { "FeeCategory": "ATM", "FeeType": "ATMForeignCashDebCard", "FeeAmount": "1.5", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency cash fee: fee charged to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate.", "Foreign currency cash fee is not charged for withdrawals of euro within the EEA." ] }, { "FeeCategory": "International", "FeeType": "IntlPayPurchaseNonSterling", "FeeAmount": "0.5", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency purchase fee: fee charged per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). Fee is applicable only to debit card transactions. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate.", "Foreign currency purchase fee is not charged for purchases in euro within the EEA." ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.5", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than euro where no fee is charged." ] }, { "FeeCategory": "ATM", "FeeType": "ATMAbroadConVisaDebit", "FeeAmount": "1.5", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign cash fee: fee charged where you elect to allow the cash machine operator/financial service provider to make the conversion to pounds. The provider of the foreign currency may make a separate charge for conversion.", "Foreign cash fee is not charged for withdrawals of euro within the EEA." ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you elect to pay all agent bank charges. Zone 1 - USA, Canada and Europe (non-EEA)." ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK, when you select to pay all agent bank charges. Zone 2 - Rest of the world, excluding EEA." ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically for outside the UK or in a foreign currency. No fee charge for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9" } } ] }, "CoreProduct": { "ProductURL": "www.lloydsbank.com/smartstart", "ProductDescription": "Spending Account is part of Smart Start - a spending account that comes with a linked savings account for 11-15 year olds, opened and overseen by a parent or legal guardian of the child. It gives visibility of the child's accounts and transactions as they begin to save, earn, spend and learn.", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0" } } ] }, { "Name": "Club Silver account", "Identification": "1002", "Segment": [ "Packaged" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "LCS-R1002", "MarketingState": "Regular", "FirstMarketedDate": "2022-11-23", "LastMarketedDate": "9999-12-31", "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Tiered", "CalculationMethod": "Compound", "Destination": "SelfCredit", "TierBand": [ { "Identification": "LCP-TB-001", "TierValueMinimum": "1.00", "TierValueMaximum": "3999.99", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "0.75", "BankInterestRateType": "Gross" }, { "Identification": "LCP-TB-002", "TierValueMinimum": "4000.00", "TierValueMaximum": "5000.00", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "3.00", "BankInterestRateType": "Gross" } ], "CreditInterestEligibility": [ { "Name": "Minimum Direct Debits", "Description": "Must pay two separate Direct Debits from your Club Lloyds current account", "Type": "DirectDebits", "Amount": "2", "Textual": "You must pay two separate Direct Debits from your Club Lloyds current account each calendar month", "Period": "Month" } ] } ] }, "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Tiered", "OverdraftType": "OnDemand", "Identification": "LCP-AR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LPA-AT-001", "TierValueMin": "0.00", "TierValueMax": "100.00", "EAR": "0.0", "Notes": [ "The arranged overdraft interest rate does not apply provided you do not exceed your \u00a3100 interest-free amount.\n" ] }, { "Identification": "LPA-AT-002", "TierValueMin": "100.00", "EAR": "29.90", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged.\n" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous bankruptcy ", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or over" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Lloyds Silver Benefits", "Type": "Other", "Notes": [ "Lloyds Silver Account Benefits " ], "OtherType": { "Name": "Silver Account Benefits ", "Description": "Packaged account benefits " }, "FeatureBenefitItem": [ { "Identification": "LSA-BG-001", "Type": "TravelInsurance", "Name": "European Travel Insurance", "Textual": "Multi-trip European travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children). Up to the age of 65 for adults and 18 or under (24 or under if still in full time education) for children." }, { "Identification": "LSA-BG-002", "Type": "MotorBreakdown", "Name": "AA breakdown family cover", "Textual": "Includes Roadside Assistance. The customer and eligible family members are covered, not the vehicle. Provides cover within the UK, Channel Islands and Isle of Man." }, { "Identification": "LSA-BG-003", "Type": "TechnologyInsurance", "Name": "Mobile Phone Insurance", "Textual": "Insures one phone on a sole account and two phones for joint accounts Repair or replacement phone up to a maximum of \u00a32,000 (including VAT) Covers loss, theft, damage or breakdown (including faults)." }, { "Identification": "LSA-BG-003", "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card.\nIf you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.\u00a0" } ] }, { "Name": "Club Lloyds Lifestyle Benefits", "Type": "Lifestyle", "Notes": [ "As a Club Lloyds member, you can choose one Lifestyle Benefit per account per year. You can pick a different one for each account every year, as long as you remain a Club Lloyds customer." ], "FeatureBenefitItem": [ { "Identification": "LCS-BG-001", "Type": "Lifestyle", "Name": "6 Cinema Tickets", "Textual": "6 Vue or ODEON tickets valid at over 80 locations across the UK for use throughout the year." }, { "Identification": "LCS-BG-002", "Type": "Lifestyle", "Name": "Annual Magazine Subscription", "Textual": "You can choose one magazine from a wide range of titles available to have delivered to your door or downloaded to your device (compatible with Apple and Android\u2122 devices)." }, { "Identification": "LCS-BG-003", "Type": "Lifestyle", "Name": "Annual Coffee Club and Gourmet Society Membership", "Textual": "An annual Coffee Club and Gourmet Society membership gives you 25% off barista-made drinks at Caffe Nero and 25% off your bill at brands including Prezzo and thousands of independent restaurants. Get pizza delivery offers alongside great discounts on theatre tickets and UK attractions." }, { "Identification": "LCS-BG-004", "Type": "Lifestyle", "Name": "Disney+ subscription", "Textual": "Choose 12 months of Disney+ and stream endless entertainment from Disney, Pixar, Marvel, Star Wars and National Geographic; as well as a range of general entertainment." } ] } ], "FeatureBenefitItem": [ { "Identification": "LCL-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance" }, { "Identification": "LCL-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCL-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCL-BI-007", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCL-BI-009", "Type": "PreferentialRates", "Name": "Credit Interest", "Textual": "Earn variable credit interest of 0.75% AER (0.75% gross p.a.) on balances from \u00a31 to \u00a33,999.99 and 3.00% AER (2.96% gross p.a.) on any part of the balance from \u00a34,000 to \u00a35,000 when you pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.", "FeatureBenefitEligibility": [ { "Name": "Minimum 2 direct debits", "Description": "Minimum 2 Direct debits from Club Lloyds Account", "Type": "DirectDebits", "Amount": "2", "Indicator": true, "Textual": "You need to pay at least two separate Direct Debits from your Club Lloyds current account each calendar month. Please note, qualifying Direct Debits must come out monthly, quarterly Direct Debits are not eligible. Also Standing Orders do not qualify.", "Period": "Month" } ] }, { "Identification": "LCL-BI-010", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCL-BI-011", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Identification": "LCL-BI-008", "Type": "PreferentialRates", "Name": "Club Lloyds Banking Offers", "Textual": "As a Club Lloyds customer you\u2019ll get exclusive access to offers on a range of Lloyds Bank products. Check our website to see the latest offers." }, { "Type": "AccountOpeningOrSwitching Incentive", "Name": "RAF30", "Amount": "30.00", "Notes": [ "You can earn \u00a330 by referring a friend to open a Lloyds Personal Current Account. To qualify as the referrer, you must hold any Lloyds Personal Current Account, except for Under19s, Smart Start, or Student Accounts. To receive the reward, you need to share your referral link with a friend, and they must use it to open a qualifying account. That account must remain open for at least 7 days. As the referred friend, you will earn \u00a330 if you open a qualifying Lloyds Personal Current Account using the referral link provided by the existing customer. Eligible accounts include Classic, Club Lloyds, Basic, Lloyds Premier, Silver, Platinum, Club Lloyds Silver, or Club Lloyds Platinum. You must not have previously received a Refer a Friend reward from Lloyds. (T&Cs Apply)\n" ] } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged." ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "16.50", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "The Club Lloyds Silver monthly maintaining the account fee comprises of: Silver Account monthly maintaining the account fee of \u00a311.50 per month Plus the Club Lloyds monthly maintaining the account fee is \u00a35 per month. The \u00a35 fee is waived for each month you pay at least \u00a32,000 into your account. If in any month you don't pay in this amount, you will need to pay the \u00a35 monthly maintaining the account fee. Maximum combined monthly maintaining the account fee of \u00a316.50 per month\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA)." ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/club-silver-account.html\n", "ProductDescription": "The Club Lloyds Silver monthly maintaining the account fee comprises of: Silver Account monthly maintaining the account fee of \u00a311.50 per month Plus the Club Lloyds monthly maintaining the account fee is \u00a35 per month. The \u00a35 fee is waived for each month you pay at least \u00a32,000 into your account. If in any month you don't pay in this amount, you will need to pay the \u00a35 monthly maintaining the account fee. Maximum combined monthly maintaining the account fee of \u00a316.50 per month", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } }, { "Identification": "LCS-P1002", "MarketingState": "Promotional", "FirstMarketedDate": "2022-11-23", "LastMarketedDate": "2026-05-05", "Notes": [ "Interest Free Arranged Overdraft for 3 months" ], "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Tiered", "CalculationMethod": "Compound", "Destination": "SelfCredit", "TierBand": [ { "Identification": "LCP-TB-001", "TierValueMinimum": "1.00", "TierValueMaximum": "3999.99", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "0.75", "BankInterestRateType": "Gross" }, { "Identification": "LCP-TB-002", "TierValueMinimum": "4000.00", "TierValueMaximum": "5000.00", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "3.00", "BankInterestRateType": "Gross" } ], "CreditInterestEligibility": [ { "Name": "Minimum Direct Debits", "Description": "Must pay two separate Direct Debits from your Club Lloyds current account.", "Type": "DirectDebits", "Amount": "2", "Textual": "You must pay two separate Direct Debits from your Club Lloyds current account each calendar month.", "Period": "Month" } ] } ] }, "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "Identification": "LCP-AR-001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "LCP-AT-201", "TierValueMin": "0.00", "EAR": "0.0", "Notes": [ "To qualify for the interest-free offer you must :\n\u2022 Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Lloyds Bank account\n\u2022 Have not used the offer within the last 12 months\n\u2022 Have applied, and been approved for, an Arranged Overdraft on your new Lloyds Bank account\n" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "You're aged 18 or older." ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.lloydsbank.com/legal/proof-of-identity.asp?srnum=1" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Club Lloyds Lifestyle Benefits", "Type": "Lifestyle", "Notes": [ "As a Club Lloyds member, you can choose one Lifestyle Benefit per account per year. You can pick a different one for each account every year, as long as you remain a Club Lloyds customer." ], "FeatureBenefitItem": [ { "Identification": "LCS-BG-001", "Type": "Lifestyle", "Name": "6 Cinema Tickets", "Textual": "6 Vue or ODEON tickets valid at over 80 locations across the UK for use throughout the year." }, { "Identification": "LCS-BG-002", "Type": "Lifestyle", "Name": "Annual Magazine Subscription", "Textual": "You can choose one magazine from a wide range of titles available to have delivered to your door or downloaded to your device (compatible with Apple and Android\u2122 devices)." }, { "Identification": "LCS-BG-003", "Type": "Lifestyle", "Name": "Annual Coffee Club and Gourmet Society Membership", "Textual": "An annual Coffee Club and Gourmet Society membership gives you 25% off barista-made drinks at Caffe Nero and 25% off your bill at brands including Prezzo and thousands of independent restaurants. Get pizza delivery offers alongside great discounts on theatre tickets and UK attractions." }, { "Identification": "LCS-BG-004", "Type": "Lifestyle", "Name": "Disney+ subscription", "Textual": "Choose 12 months of Disney+ and stream endless entertainment from Disney, Pixar, Marvel, Star Wars and National Geographic; as well as a range of general entertainment." } ] }, { "Name": "Lloyds Silver Benefits", "Type": "Other", "Notes": [ "Lloyds Silver Account Benefits" ], "OtherType": { "Name": "Silver Account Benefits ", "Description": "Packaged account benefits" }, "FeatureBenefitItem": [ { "Identification": "LCS-BG-004", "Type": "TravelInsurance", "Name": "European travel insurance", "Textual": "Multi-trip European travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children). Up to the age of 65 for adults and 18 or under (24 or under if still in full time education) for children." }, { "Identification": "LCS-BG-005", "Type": "MotorBreakdown", "Name": "AA breakdown family cover", "Textual": "Includes Roadside Assistance. The customer and eligible family members are covered, not the vehicle. Provides cover within the UK, Channel Islands and Isle of Man." }, { "Identification": "LCS-BG-006", "Type": "TechnologyInsurance", "Name": "Mobile phone insurance", "Textual": "Insures one phone on a sole account and two phones for joint accounts Repair or replacement phone up to a maximum of \u00a32,000 (including VAT) Covers loss, theft, damage or breakdown (including faults)." }, { "Identification": "LCS-BG-007", "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card.\nIf you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.\u00a0" } ] } ], "FeatureBenefitItem": [ { "Identification": "LCL-BI-004", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "LCL-BI-005", "Type": "AccountManagement", "Name": "Money Manager", "Textual": "Keep track of your spending and see at a glance where your money goes with our free Internet Banking service." }, { "Identification": "LCL-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "LCL-BI-007", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "LCL-BI-008", "Type": "PreferentialRates", "Name": "Club Lloyds Banking Offers", "Textual": "As a Club Lloyds customer you\u2019ll get exclusive access to offers on a range of Lloyds Bank products. Check our website to see the latest offers." }, { "Identification": "LCL-BI-009", "Type": "PreferentialRates", "Name": "Credit Interest", "Textual": "Earn variable credit interest of 0.75% AER (0.75% gross p.a.) on balances from \u00a31 to \u00a33,999.99 and 3.00% AER (2.96% gross p.a.) on any part of the balance from \u00a34,000 to \u00a35,000 when you pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.", "FeatureBenefitEligibility": [ { "Name": "Minimum 2 Direct Debits", "Description": "Minimum 2 Direct debits from Club Lloyds Account", "Type": "DirectDebits", "Amount": "2", "Indicator": true, "Textual": "You need to pay at least two separate Direct Debits from your Club Lloyds current account each calendar month. Please note, qualifying Direct Debits must come out monthly, quarterly Direct Debits are not eligible. Also Standing Orders do not qualify.", "Period": "Month" } ] }, { "Identification": "LCL-BI-010", "Type": "AccountManagement", "Name": "Internet Banking", "Textual": "With Internet Banking, make the most of your account 24/7. It's the quick, easy way to keep track of your money, make payments and transfers and see your statements." }, { "Identification": "LCL-BI-011", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged." ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "16.50", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "The Club Lloyds Silver monthly maintaining the account fee comprises of: Silver Account monthly maintaining the account fee of \u00a311.50 per month Plus the Club Lloyds monthly maintaining the account fee is \u00a35 per month. The \u00a35 fee is waived for each month you pay at least \u00a32,000 into your account. If in any month you don't pay in this amount, you will need to pay the \u00a35 monthly maintaining the account fee. Maximum combined monthly maintaining the account fee of \u00a316.50 per month\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA)." ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.lloydsbank.com/current-accounts/all-accounts/club-silver-account.html", "ProductDescription": "The Club Lloyds Silver monthly maintaining the account fee comprises of: Silver Account monthly maintaining the account fee of \u00a311.50 per month Plus the Club Lloyds monthly maintaining the account fee is \u00a35 per month. The \u00a35 fee is waived for each month you pay at least \u00a32,000 into your account. If in any month you don't pay in this amount, you will need to pay the \u00a35 monthly maintaining the account fee. Maximum combined monthly maintaining the account fee of \u00a316.50 per month", "TcsAndCsURL": "https://www.lloydsbank.com/help-guidance/legal-information/current-account-terms.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] } ] } ] } ] }