Things you need to know

Ways to manage your account

Keep track of what's going in and coming out of your account at any time using:

• Internet Banking – View and manage your accounts online - 24 hours a day, 7 days a week. Register at lloydsbank.com/internetbanking
• Mobile Banking – Manage your account on the go with your mobile phone or tablet - 24 hours a day, 7 days a week. Download our app from Google Play or the App Store.
• Telephone Banking – Our automated service is available 24/7, or you can talk to us between 8am and 8pm, 7 days a week.
• Text Alerts – We can also send you mobile alerts. They remind you when you need to pay cleared funds into your account. Find out more at lloydsbank.com/mobilealerts

Overdrafts - choosing the right way to borrow

An arranged overdraft can help out when you need to borrow in the short term. For example to pay an unexpected bill. But if you use it often and don't reduce your balance, it can turn into an expensive way to borrow. Our cost calculator, which you can find online at lloydsbank.com/overdrafts, tells you how much an arranged overdraft costs. You should consider if an arranged overdraft facility is the most suitable option for you to borrow money. If you need to borrow money for a longer time, there may be other options better suited to your needs. For more information visit lloydsbank.com/borrow or call us to talk through your options.

Check if your account is still right for you

Your banking needs can change over time so it's important to check your account is still right for you by visiting lloydsbank.com/currentaccounts to see our latest current accounts.

Our interest rates

If we pay interest on your balance, your current interest rate is shown on the front of this statement. To find out what the interest rates are on our other accounts, visit lloydsbank.com/current-accounts/rates. Alternatively ask us in branch.

About our debit card fees

We won't charge our debit card foreign currency fees if you use a Student, Graduate, Silver, Gold, Platinum, Premier, Club Lloyds or Private Banking Current account debit card. We also won't charge these fees if you add Travel Smart to any other current account for £7 a week, allowing you to use the debit card abroad as often as you like in your selected weeks. Terms and conditions apply.

If you use your personal debit or Cashpoint® card to make a payment or withdraw cash in a currency other than pounds, or withdraw cash in pounds outside the UK then, unless you've asked the cash machine or card terminal provider to do the currency conversion, we will charge you a foreign currency transaction fee of 2.99% of the value in pounds of the transaction for currency conversion. The amount is converted to pounds on the day it's processed by Visa using the Visa Payment Scheme exchange rate for your card online at: lloydsbank.com/travel/using-debit-credit-cards-abroad

If you use your debit card or Cashpoint® card to withdraw cash outside the UK (at a cash machine or over the counter) or in a foreign currency at an ATM in the UK we will also charge a foreign currency cash fee of £1.50 for each withdrawal. The cash machine operator/financial service provider makes the conversion to pounds, and you use the card to withdraw cash outside the UK (at a cash machine or over the counter) we will only charge a foreign cash fee of £1.50. The provider of the foreign currency may make a separate charge for conversion.

We won't charge a foreign currency cash fee or a foreign cash fee if you withdraw Euro within the EEA or UK, or if the cash machine operator/financial service provider makes the conversion to pounds, and use your debit card or your Cashpoint® card to withdraw cash in a foreign currency in the UK (at a cash machine or over the counter).

Where you use your debit card to make a purchase in a currency other than pounds, we'll also charge a £0.50 foreign currency purchase fee for each payment. We won't charge this fee if your payment's made in Euro within the EEA or UK, or where the retailer based outside the UK gives you the option to pay in pounds. If you choose to do this we won't apply any charges but the retailer might.

Cashpoint® is a registered trademark of Lloyds Bank plc.

Keeping your data safe

We promise to keep your personal information safe and only use it in the way you've asked. See our privacy notice at lloydsbank.com/privacy or call us for a copy on 0345 602 1997.

We're here for you if something isn't right

We want to make sure you're happy with the products and service we offer. But if something goes wrong, let us know and we'll do everything we can to put things right. If you're still not happy, you can ask the Financial Ombudsman Service to look at your concerns, for free.

The Financial Services Compensation Scheme (FSCS)

The deposits you hold with us are covered by the Financial Services Compensation Scheme (FSCS). Every year we'll send you an information sheet which tells you the types of deposits covered and the protection offered by the FSCS. For more information visit FSCS.org.uk fscs
PROTECTED

We send statements and other communications from time to time for legal reasons or to let you know about changes to your accounts or services.

When you call us your call may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.