PCA Graduate FBM

GRADUATE
ACCOUNT
KEEPING YOUR FINANCES ON TRACK AS YOU
MAKE THAT EXCITING NEXT STEP
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JOB NAME
BRAND
STOCK
CODE
FINISHED
PAGE SIZE
COLOURS
28/07/2016 14:52
PCA Graduate FBM
PROOF
Lloyds
PRODUCT
VERSION
DATE
M52629
ISO (i.e. A5 – Portrait)
Sub A5
CMYK
WIDTH (mm)
148
×
HEIGHT (mm)
200
PAGE
COUNT
PROOF
DATE/TIME
3
N/A
MONTH (MM)
09
EXPECTED
28
YEAR (YY)
16
ACTUAL
28
28/07/16 - 14:51
SPREADS (Y / N ?)
N
Graduate Account
Contents
Account benefits 1
Managing your account
2
Visa debit card 3
Keeping track of your money 4
Graduate Planned Overdraft
7
Money Manager 10
Graduate Loan 12
Credit cards 13
14
Travel money Save the Change 17
Frequently asked questions 18
What happens next 20
Important information 22
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Account benefits
I want an account that’s flexible
Features and benefits that
put you in control
Extra features and benefits
you can apply for
Whether you’re taking time out with a gap
year or starting a new job, our Graduate
Account will help you take care of your
everyday banking.
Loan.
Apply for a Graduate Loan of up to £10,000
(subject to application and approval).
Overdraft
Option to apply for a tiered interest and
fee-free Planned Overdraft of up to £2,000
in your first year, £1,500 in your second
year and £1,000 in your third year after
graduation. Overdrafts are subject to
status and repayable on demand. Please
see page 7 for more information.
Credit Card.
A choice of credit cards with a range
of benefits.
Everyday Offers
Earn up to 15% cashback.
It’s always nice to feel appreciated. That’s
why there’s Everyday Offers.
It means you can now earn cashback,
using offers at the type of places you shop.
Everyday Offers is available to our personal
current account customers aged 18+, who
bank online. It’s completely free of charge
and easy to use.
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Managing your account
I like to keep track of
my transactions
Ways to stay in control of your money
Limit alerts
Keep a closer eye on your balance or
make payments on the move with our
Graduate Account.
Texts to let you know when you’re near
or over your account limit. See page 6
for details.
• A Visa debit card to use in shops and
online, both in the UK and abroad.
Fees apply to using your debit card
abroad. Please see our Banking Charges
guide for more details.
Money Manager®
• No charges for everyday transactions
Helps you keep track of your spending
across your personal current and credit
card accounts. See page 10 for details.
Balance alerts
To make the most of these services, register
for Internet and Telephone Banking. If you
are registered for Internet Banking you can
log on to Mobile Banking via your mobile
browser. Download our Mobile Banking app.
when you’re in credit. Other charges may
apply – please see our Banking Charges
guide in branch or visit lloydsbank.com
for details.
Text alerts that let you check your balance
and recent transactions. See page 6
for details.
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Visa debit card
Your Lloyds Bank
Visa debit card
Your Lloyds Bank Visa debit card can be
used in shops, online and over the phone.
And there’s no charge to withdraw cash at
any of our UK Cashpoint® machines
(a charge may apply at other ATMs).
You can also use your Visa debit card abroad
wherever you see the Visa sign. Fees apply
to using your debit card abroad. Please see
our Banking Charges guide for more details.
Key features:
• Take out up to £500 a day from any
UK Lloyds Bank Cashpoint machine or
non-Lloyds Bank ATM. You can also take
out up to £300 at Post Office® branches.
TRACK YOUR
TRANSACTIONS
• Get up to £50 cashback free of charge in
When you use a Lloyds Bank Visa
debit card, some transactions are
‘earmarked’, meaning the amount
is reserved until the money
leaves your account. So you won’t
be able to use the money for
anything else, even though it’s
still shown in your account.
most supermarkets.
• When abroad, if you use your debit card
to make a transaction or withdrawal in
a foreign currency or use it overseas
then charges may apply. Please see our
Banking Charges guide for more details.
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Keeping track of your money
I can choose how I want to bank
24
7
Manage your money around the clock
both online and on the phone.
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Keeping track of your money
Internet Banking
Telephone Banking
Internet Banking gives you access to your
accounts 24 hours a day, seven days a week.
It’s also secure and easy to use. You can:
Our PhoneBank® service is quick and
easy to use and is available 24 hours a
day, seven days a week. When you call
0345 300 0000 you have the choice
of using our fast automated service or
speaking to an adviser. With one call
you can:
• Check your up-to-the-minute balance.
• Pay your bills.
• Transfer funds between your UK Lloyds
Bank personal accounts.
• Check your current balance.
• Pay your bills.
• Transfer money between your own
• Set up, view and cancel standing orders.
• Order your travel money.
accounts or to another person.
To register for Internet Banking, simply go
to lloydsbank.com/ib. You can also visit
any branch and staff will be able to help
you register.
• Find out what’s gone in and out of
your account.
• Set up standing orders and check
Direct Debits.
• Order your travel money.
To register for PhoneBank, call
0345 300 0000 and ask an adviser to
send you a Security Number in the post.
Please have your account details to hand
when you call.
Mobile Banking
Download the Mobile Banking app or log
on to Mobile Banking through your mobile
browser – and keep track of your Lloyds
Bank UK personal accounts when you’re
on the move. You’ll be able to:
Please note, although you can use Internet, PhoneBank and Mobile
Banking to give us instructions 24 hours a day, seven days a week,
some instructions, such as those given after 10pm or at weekends,
cannot be processed until the next working day. Not all PhoneBank
services are available 24 hours a day, seven days a week. Please speak
to an adviser for more information.
• View your balance and transaction history.
• Transfer funds between accounts.
• Make payments to new and
existing recipients.
We don’t charge you for Mobile Banking but your mobile operator may
charge you for some services, please check with them. Services may be
affected by phone signal and functionality.
Mobile Banking services are only available to our UK personal
Lloyds Bank customers and registration is required. Terms and
conditions apply.
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Keeping track of your money
Weekly balance alerts – Choose the
weekday and time you’d like us to send
your text with your balance and last six
transactions and we’ll set it up straight away.
Text Alerts
Register for a range of text
alerts. For more information visit
lloydsbank.com/mobileservices
Text alerts (other than Weekly Balance Alerts and Overseas
Transaction Alerts) are sent before 10am UK time Monday to Friday
(excluding Bank Holidays). Terms and conditions apply.
Limit alerts – We’ll send you a text to let you
know when you’re near or over your account
limit, so you can pay in enough money to
cover your payments. The money needs
to be cleared funds, so you can pay in cash
or transfer money from another personal
account you have with us.
Statements
• Regular statements that show every
transaction online or by post.
• Print a mini statement from Cashpoint
High and low balance alerts:
machines showing the ten latest
transactions on your account.
• When there’s extra money in your
• Log on to Internet Banking to
account we’ll send you a high balance
alert so you can move it into your savings.
go paperless.
• We can also send a low balance alert so
• It’s quick and simple to print or download
you can be sure you have enough money
in your account to cover your outgoings
and to help avoid overdraft fees.
your statements from Internet Banking.
Overseas transaction alerts – For added
security, when your Visa debit card is used
abroad, we’ll text to tell you whether it was a
purchase or withdrawal from a cash machine.
This makes it easier for you to spot any
fraudulent transactions on your account.
Check your balance
• At cash machines, online through
Internet Banking (if registered) at
lloydsbank.com, over the phone by
calling PhoneBank on 0345 300 0000,
by using our Mobile Banking app
(if registered) or in branch.
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Graduate Planned Overdraft
I need an interest
and fee free overdraft
£2,000
£1,500
£1,000
Year after graduation:
Third year after graduation
Second year after graduation
First year after graduation
When you graduate, we can offer you (subject to eligibility) a tiered interest and fee-free
Planned Overdraft starting with up to £2,000 in your first year after graduation.
Interest and fee free amounts
The amount of your overdraft that is interest and fee free will depend on your year
of graduation.
REPRESENTATIVE EXAMPLE
If in year 3 of your Graduate Account you use a Planned Overdraft of £2,000, the overdraft interest
rate we charge on the first £1,000 will be 0% EAR variable. The overdraft interest rate on the next
£1,000 will be 19.89% EAR variable. A Monthly Overdraft Usage fee of £6 will apply.
EAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesn’t take into
account other fees and charges.
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Graduate Planned Overdraft
How overdrafts and
buffers work together
First year after graduation
In the first year after graduation you are eligible to apply for a Planned Overdraft with an
interest and fee free amount of up to £2,000. As long as you stay within your interest and
fee free amount you won’t have to pay the monthly overdraft usage fee and interest.
Please see the example below for how this works and the fees that apply when you go
above this amount.*
PLANNED OVERDRAFT
UNPLANNED OVERDRAFT
£0
-£2,000
-£2,010
Account
in credit
0% interest on
overdraft usage
between £0
and £2,000
£10 buffer
No additional
fees as long as
you don’t exceed
the buffer. Interest
will be charged
if within £10
unplanned buffer.
£6 Monthly
Overdraft
Usage Fee
Either a £5 or a £10 Unplanned
Daily Fee and interest on the
overdraft amount over £2,010.
Above example shows: First year after graduation, with a £2,000 Planned Overdraft limit. Interest and fee free amount: £2,000.
If you try to go over your Planned Overdraft limit, we may agree to grant you an Unplanned
Overdraft. If we do, Unplanned overdraft charges may apply. However, if you use an
Unplanned Overdraft of £10 or less you will not be charged any Unplanned overdraft fees
but you will be charged debit interest on that amount.
Our grace period means that you have until 3.30pm (UK time) to pay in enough to avoid
Returned Item Fees and ensure the payment goes out, but you have until midnight to avoid
overdraft fees and interest. The money needs to be immediately available to use, so you
could transfer money from another personal account you have with us via Internet Banking
or Telephone Banking or pay in cash over the counter in branch.
*These will apply every month where you borrow more than the interest and fee free amount applicable to your year of graduation.
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Graduate Planned Overdraft
Second year after graduation
In your second year, your actual Planned Overdraft limit won’t change, but the amount of
your limit that is interest and fee free will reduce to £1,500. As long as you stay within your
interest and fee free amount you won’t have to pay the monthly overdraft usage fees and
interest. Please see the example below for how this works and the fees that apply when you
go above this amount.*
PLANNED OVERDRAFT
UNPLANNED OVERDRAFT
£0
-£1,500
-£2,000
-£1,510
-£2,010
Account
in credit
Interest
and
fee free
£6
£10Monthly
buffer
Overdraft Usage Fee
No fee or
Interest
interest on overdraft usage
between
as long as£1,500 and £2,000
you don’t
exceed the
buffer
£10 buffer
No additional
fees as long as
you don’t exceed
the buffer. Interest
will be charged
if within £10
unplanned buffer.
Either a £5 or a £10
Unplanned Daily Fee and
interest on the overdraft
amount over £2,010.
Above example shows: Second year after graduation, with a £2,000 Planned Overdraft limit. Interest and fee free amount: £1,500.
Third year after graduation
In your third year after graduation, your new interest and fee free allowance will reduce to
£1,000, As long as you stay within your interest and fee free amount you won’t have to pay
the monthly overdraft usage fees and interest. Please see the example below for how this
works and the fees that apply when you go above this amount.*
PLANNED OVERDRAFT
UNPLANNED OVERDRAFT
£0
-£1,000
-£2,000
-£2,010
Account
in credit
Interest
and
fee free
£6 Monthly
Overdraft Usage Fee
£10 buffer
Interest on overdraft usage
between £1,000 and £2,000
No additional
fees as long as
you don’t exceed
the buffer. Interest
will be charged
if within £10
unplanned buffer.
Either a £5 or a £10
Unplanned Daily Fee and
interest on the overdraft
amount over £2,010.
Above example shows: Third year after graduation, with a £2,000 Planned Overdraft limit. Interest and fee free amount: £1,000.
If you can pay off the overdraft you have remaining you will avoid paying overdraft usage
fees and interest when your account is changed to a standard current account.
*These will apply every month where you borrow more than the interest and fee free amount applicable to your year of graduation.
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Money Manager
I can easily keep track
of my finances
Money Manager®
Money Manager automatically breaks down
most of your spending into meaningful
categories (like entertainment, groceries
and travel) to give you a better picture of
your spending.
Spending analysis
Categories Car
Groceries
Entertainment
Clothing
Household goods
Sundry
Once you have registered for Internet
Banking you can use the service free
of charge.
Money Manager can help you:
• Understand how much you are spending
and where.
• Set up a Savings Goal and save for the
%
28%
21%
18%
15%
14%
4%
Money Manager is provided to help you manage your personal
finances and is not intended to provide legal, tax or financial advice.
You must be registered for Internet Banking. Savings Goals require a
Lloyds Bank personal savings account. Terms & conditions apply.
things that you want.
• Keep track of your regular bills
or payments.
• Create Spending Plans and track
your progress.
Money Manager can be used with all your
Lloyds Bank personal current and credit
card accounts together.
To register and start using this free service,
visit lloydsbank.com/moneymanager
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Money Manager
Get a clearer view of what
you’ve been spending
Car
28%
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Graduate Loan
I need help with my next big purchase
Graduate Loan
Get help when you’re just starting out with
a Graduate Loan of between £1,000 and
£10,000 over 1-5 years.
With our Graduate Loan you get the
flexibility to:
• Get a personalised quote with no
credit footprint
To apply for a Graduate loan, you must be
a UK resident over 18 years and have held
your Graduate account with us for at least
three months.
All lending and the interest rate available to
you is subject to status and depends on your
assessment of your circumstances.
• Manage your loan online
• Make additional payments without
any charges
APPLY NOW
• Apply for a repayment holiday*
• Change the repayment date**
• Pay off your loan early without
To apply for a Graduate Loan
visit a Lloyds Bank branch,
call us on 0800 096 1282
or to find out more
information visit
lloydsbank.com/loans
any charges†
*Repayment holidays are available if you meet certain conditions. You can request up to two repayment holidays a year, as long as it is not two
consecutive months. Interest will be charged if you take a repayment holiday, so you will pay more interest overall and your original term will
be extended.
** Excludes 29-31 of the month. Maximum of 2 repayment date changes per year.
†
For Graduate Loans taken after 20th January 2014.
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Credit cards
I want to be smarter with my money
A range of credit cards to suit you
Our credit cards have some useful benefits.
Flexibility
Protection
Spread the cost of spending (with up to
56 days interest free) on purchases and
transfer existing balances. You can also
choose the payment level that suits you,
and make life simpler by setting up a
monthly Direct Debit to take either the full
amount, minimum payment, fixed amount
or fixed percentage.
Our cards provide a secure way to pay,
protecting you from potential fraud
and unexpected events.
Convenience
Reward
We have benefits that could help make
you better off, such as introductory balance
transfer and purchase offers, as well as the
opportunity to earn additional rewards.
You can manage your account in a way that
suits you, online, in branch or by phone.
To find out more
visit us in branch, call
us on
0800 056 0100 or
visit lloydsbank.
com/creditcards
The issue of a credit card depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply. Credit limits and
interest rates may vary depending on our assessment of your circumstances.
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Travel money
I have everything
I need for my travels
Travel money and
using your card abroad
The Lloyds Bank Visa debit card gives you a
safe and convenient way to pay for things
when abroad. Fees apply to using your
debit card abroad. Please see our Banking
Charges guide for more details.
To order your travel
money call the travel
money hotline on
0345 366 1149.
When you use your debit card to purchase
foreign currency or travellers cheques in the
UK from another provider we will not charge
you, but the other provider may.
Travel money
You can buy your foreign currency and
American Express® Travellers Cheques
from us from any Lloyds Bank branch,
through PhoneBank or Internet Banking (if
registered). We will also buy them back from
you when you return from your trip.*
* The price at which we buy back your currency may differ from the price at which we sold it to you. There are minimum denominations we
can accept in certain currencies. Details of these are available on request. We may not be able to re-purchase currency if a country becomes
embargoed or we no longer deal with that currency.
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Travel money
Keeping your money safe
overseas
Register for and receive a text alert when
your Lloyds Bank Visa debit card is used
abroad, so if it wasn’t you, you can do
something about it straight away.
If you believe someone else made the
transaction without your knowledge, call
us on 0345 300 0000.
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SURPRISE
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Save the Change®
I want to save every time I spend
Save the Change®
Save the Change® is a simple, automatic way
to save. Sign up and every time you make a
purchase with your Lloyds Bank Visa debit
card, and you’re in credit, the difference will
be rounded up to the nearest pound and
transferred into your eligible Lloyds Bank
savings account the next working day. We
will only do this if your account is in credit.
Save the Change® does not apply to over the
counter cash advances, ATM withdrawals
or fees charged for non-Lloyds Bank
ATM transactions.
Save the Change® is available for most
Lloyds Bank savings accounts, except
Monthly, Fixed and ISA products.
REGISTER NOW
Through our Internet
Banking service at
lloydsbank.com/
savethechange
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Frequently asked questions
FAQs
How long do my payments take?
The majority of payments made to a UK
bank – other than by cheque and Direct
Debit – will be processed using the Faster
Payments Service, with payments usually
reaching the receiving account within
two hours.
Payments for larger amounts may take up
to a day. We will advise you when you ask
us to make a payment if the organisation
you are sending the payment to is not a
member of the Faster Payments Service.
If we cannot make the payment using the
Faster Payments Service you can contact
us on 0345 300 0000 or call into your
local branch to ask if there is any other
method available.
What happens when I pay in
a cheque?
For information about when cheques you
either write or pay in will be processed and
the money can be accessed, please see the
Personal Banking terms and conditions.
If you need to stop a cheque you’ve
written from being paid, please call
PhoneBank on 0345 300 0000 or
visit your Lloyds Bank branch.
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Frequently asked questions
What can I do to avoid theft
or fraud?
• Make sure that your cheque book
and cards are safe, but don’t keep
them together.
What should I do if my Visa debit
or credit card and cheque book are
lost or stolen?
• Report any theft or loss as soon as
possible so that we can prevent other
people from using your account. Call any
Lloyds Bank branch or the Lloyds Bank
24-hour Lost and Stolen Cards service on
0800 096 9779 or +44 1702 278 270 if
calling from abroad.
• We recommend you don’t write down
your PIN. But if you need to write it down,
disguise it so that it’s not recognisable as
your PIN, and never keep it with any of
your cards. Never let anyone else know
your PIN.
• Sign your cards in ballpoint pen as soon as
• You will receive replacement cards and/or
cheque books from us usually within five
working days of notifying us.
you receive them.
• Before you give your bank details out, be
sure you know who you’re giving them to
and why they need them.
• Keep your Visa debit and credit card
receipts in a safe place and dispose of
them carefully making sure your card
details cannot be read.
• Check your statements regularly and get
in touch if you see any transactions you
don’t recognise.
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What happens next
Applying for your
Graduate Account
If you’re a new customer
If you’re an existing customer
If you’d like to open a Graduate Account
with us, visit your local branch or call
0345 300 0000 to make an appointment.
If you’re switching from a Student to a
Graduate Account, you’ll be sent the new
account details and terms and conditions
two months before your account transfers.
You can continue using your existing Visa
debit card. Your account number and sort
code will not change. We recommend
you register for two of our smart ways to
manage your money – PhoneBank and
Internet Banking – as well as setting up
Mobile Banking.
You will need to bring the following ID:
• A current passport or photo driving licence.
• Proof of graduation from a UK-based
university within the past three years.
• A statement from your current bank or
copy of a utility bill dated within the last
three months.
• Bank statements from the past six months
and evidence of your overdraft limit.
To be eligible for this account you must:
• Your current debit card and letter of
• Be a permanent UK resident and have
employment confirming your income
(if this isn’t included on the statements).
confirmation of graduation.
• Have graduated within the last
If you don’t have any of the items above
we may be able to accept other items. For
more information ask in any branch or
call us on 0345 300 0000. If you’re a new
customer you should receive your requested
Lloyds Bank Visa debit card within five
working days of opening your account, and
your PIN a few days later.
three years with a degree from a
UK-based university.
• Transfer your current account from your
existing bank if you’re not already a
Lloyds Bank customer.
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What happens next
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Important information
Important information
The Personal Banking terms and conditions,
additional conditions and the Banking
Charges guide will apply to your account.
If you need another copy of these
documents, please visit your nearest
branch or call 0345 300 0000.
You can only have the Graduate Account
for up to three years. Around the third
anniversary of your graduation, we will
convert your account to a Classic Account
(or similar if it is no longer available). We will
write to you about this, giving you at least
two months notice before changing your
account. Once your account is converted,
the benefits connected with the Graduate
Account will stop.
Interest and fee free amount
An overdraft is a convenient and flexible
way to borrow money through your current
account. With a Planned Overdraft you’ll
agree a maximum borrowing limit with us in
advance, which is available immediately.
We do not charge interest or fees on part
of your Planned Overdraft. The interest and
fee free amount depends on which year of
graduation you are in.
We charge interest and a monthly overdraft
usage fee on any Planned Overdraft balance
over the interest and fee free amount.
Year of graduation
Interest and
fee free amount
Year 1
£2,000
Year 2
£1,500
Year 3
£1,000
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Important information
The amount of your Planned Overdraft that
is interest and fee free will reduce at the
end of each academic year. Don’t worry
though, we will write to remind you about
this before it happens and give you at least
two months notice. If you want to change
your Planned Overdraft limit you will have to
apply – you can do this on Internet Banking,
by visiting your nearest branch or by calling
0345 300 0000.
Unplanned Overdraft
An Unplanned Overdraft is when you
use more money than is available in your
account without asking us first. If you
go overdrawn unexpectedly, we may
agree to cover your payments with an
Unplanned Overdraft.
We will not charge you any additional
fees on an Unplanned Overdraft if the
amount you have borrowed is £10 or less
(overdraft buffer) but we will charge debit
interest on that amount.
If you use an Unplanned Overdraft of more
than £10, you will be charged interest and
fees. For details of our interest rates and
fees, see our Banking Charges guide in
branch or at lloydsbank.com
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Important information
Monthly Overdraft Usage Fee
Grace period
The £6 Monthly Overdraft Usage Fee is
charged according to your monthly billing
period. You’ll only pay this fee once in a
monthly billing period, no matter how many
times you go overdrawn in that month.
And it doesn’t apply if you stay within your
interest and fee free amount.
Our grace period means that you have
until 3.30pm (UK time) to pay in enough
to avoid Returned Item Fees and ensure
the payment goes out, but you have
until midnight to avoid overdraft fees
and interest. The money needs to be
immediately available to use, so you could
transfer money from another personal
account you have with us via Internet
Banking or Telephone Banking or pay in
cash over the counter in branch.
Cooling off
If you are not happy with your Graduate
Account within 30 days of opening your
account, we’ll help you to move to another
of our accounts or return any deposits you
have made with any earned interest to you.
For details of our current interest rates,
please visit lloydsbank.com or visit your
nearest branch.
Overdrafts and credit cards
How much we lend, if anything, and the
issue of a credit card depends on our
assessment of your personal circumstances.
Overdrafts are subject to status and
repayable on demand. You must be 18 or
over to apply.
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Important information
Regular payments
You may wish to set up regular payments
to come from your Visa debit card
with a company (known as ‘recurring
transactions’). If you want to cancel these
payments in the future you can tell us that
you no longer consent to these payments
and we will stop the payments. To cancel
the next payment due to be made you do
need to let us know before the end of the
last working day before the payment is
due to be made. You should also contact
the person who you make the payment to
so that they do not keep trying to take the
payment and so that you can cancel the
agreement which you have with them.
About your Graduate Account Overdraft
• If you previously had a Lloyds Bank
Student Account with a Planned Overdraft
this will have moved across to your
Graduate Account. If your current limit
is less than £2,000 you can now apply to
extend it.
• If you previously didn’t have an overdraft
or you are a new customer you can apply.
• To avoid paying charges and interest you’ll
• If you exceed your Planned Overdraft
limit, and we agree to give you an
Unplanned Overdraft, you will be subject
to additional fees and charges.
• We will charge you a maximum of one
Monthly Overdraft Usage Fee in any
monthly billing period.
• Each year we’ll write to you at least two
need to remain within your interest and
fee free allowance applicable to the year
after graduation.
months before the interest and fee free
amount is due to change on your account
to remind you about this.
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Apply for a Graduate Account
££
Go to lloydsbank.com/graduate
ÕÕ Call us on 0345 300 0000
uu Visit your local branch
If you’d like this in another
format such as large print,
Braille or audio please ask
in branch.
If you have a hearing or speech
impairment you can contact us using Text
Relay or Textphone on 0345 300 2281 (lines
are open 24 hours a day, 7 days a week).
If you are Deaf you can use BSL and the
SignVideo service available at lloydsbank.
com/accessibility/signvideo.asp
Important Information
Not all Telephone Banking services are available 24
hours a day, 7 days a week. Please speak to an adviser
for more information.
Calls 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.
Our promise is to do our best to resolve any problems
you have. If you wish to complain visit your local
branch or call 0800 072 3572 or 01733 462 267.
(Textphone 0800 056 7614 or 01733 347 500, if you
have a hearing impairment). For more information
visit lloydsbank.com/contactus
Cashpoint®, PhoneBank® and Save the Change® are all
registered trademarks of Lloyds Bank plc.
The Post Office® and Post Office logo are registered
trademarks of the Post Office Ltd.
Lloyds Bank plc. Registered Office: 25 Gresham Street,
London EC2V 7HN. Registered in England and Wales
no. 2065.
Lloyds Bank plc is authorised by the Prudential
Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation
Authority under registration number 119278. We
also subscribe to The Lending Code. Details can be
obtained from www.lendingstandardsboard.org.uk.
Eligible deposits with us are protected by the Financial
Services Compensation Scheme. We are covered by
the Financial Ombudsman Service.
Information correct as of September 2016.
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