Features and benefits
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SterlingDownload our quick and secure Sterling mobile banking app to effortlessly manage your money. Get notifications, view your card and PIN, freeze your card and manage subscriptions - all in one place.
Bank your way with 24/7 access through online banking, mobile banking or telephone banking.
International mobile app (Euro and USD)Our International mobile app allows new customers to apply for accounts, log in securely, manage their finances, and make international transactions 24/7 worldwide. Additionally, it offers free international payments (subject to correspondent and/or recipient bank charges) and secure money transfers to new and existing beneficiaries.
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Monthly fee Account currency
Monthly fee (per account)
Account currency
Sterling
Monthly fee (per account)
£5
Account currency
US Dollar
Monthly fee (per account)
$5
Account currency
Euro
Monthly fee (per account)
€5
How can the £5, €5 or $5 monthly fee be waived?
You'll need to maintain a balance of at least £5,000, €5,000 or $5,000 each calendar month to waive the following month's fee.
Depending on legislation and regulations of the country you live in, we may not be able to offer you this account. Check our eligibility checker for more details.
Let’s look at the details
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Sterling international accounts (rates correct as of 19 March 2025)
All overdrafts are subject to our assessment of your circumstances and are repayable on demand.
Monthly fee Unarranged overdrafts Sterling international accounts
Interest rate - % per month
Equivalent Annual Rate (EAREAR stands for Equivalent Annual Rate. EAR quoted includes the effect of compound interest (charging interest on your interest) and does not take into account any fees if applicable.) /Annual Percentage Rate (APR) - % yearlyAPRAPR stands for Annual Percentage Rate which represents the total cost of borrowing over a year, including both interest (non-compound) and any fees if applicable on an assumed debit balance of £1,200 over a full 12 month period.
Unarranged overdrafts Sterling international accounts
£0+
Interest rate - % per month
1.53
Equivalent Annual Rate (EAREAR stands for Equivalent Annual Rate. EAR quoted includes the effect of compound interest (charging interest on your interest) and does not take into account any fees if applicable.) /Annual Percentage Rate (APR) - % yearlyAPRAPR stands for Annual Percentage Rate which represents the total cost of borrowing over a year, including both interest (non-compound) and any fees if applicable on an assumed debit balance of £1,200 over a full 12 month period.
19.94/23.3
Monthly fee The APR % assumes a debit balance of £1,200 over a full 12 month period including interest (non-compound) and any fees if applicable.
Monthly fee Total charge for credit
24.94%
The ‘Total Charge for Credit’ rate is an indicative rate assuming a debit balance of £1,200 over a full 12 month period including interest, the effect of compound interest (charging interest on your interest) on your debt and any fees if applicable.
Currency rates - Unarranged overdrafts
Monthly fee Currency
Interest rate - % per annum
Currency
Euro
Interest rate - % per annum
5.00% + European Central Bank Rate (ECB rate)
Currency
US Dollar
Interest rate - % per annum
5.00% + Federal Funds Rate (FED rate)
Please contact us for the latest rates or for further information on Unarranged Overdraft charges for these accounts.
For more information on overdraft charges on sterling International Accounts, download our Interest rates and Banking Charges Guide (PDF, 129 KB) .
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International debit card
International debit card GBP £ - Great British Pound
USD $ - United States Dollar
€ - Euro
ATM limit
GBP £ - Great British Pound
£800
USD $ - United States Dollar
$750
€ - Euro
€750
Cash withdrawal in the same currency as your debit card
GBP £ - Great British Pound
Free (in the UK, Channel Islands or Isle of Man)
USD $ - United States Dollar
1.5% Cash handling fee
€ - Euro
1.5% Cash handling fee
Cash withdrawal in a different currency to your debit card (excluding Euros from within the EEA)
GBP £ - Great British Pound
- 2.99% Currency conversion fee
- £1.50 Cash handling fee
USD $ - United States Dollar
- 2.99% Currency conversion fee
- £1.50 Cash handling fee
€ - Euro
- 2.99% Currency conversion fee
- £1.50 Cash handling fee
Euro cash withdrawals from within EEA
GBP £ - Great British Pound
- 2.99% Currency conversion fee
- No Sterling cash handling fee
USD $ - United States Dollar
- 2.99% Currency conversion fee
- 1.5% Cash handling fee
€ - Euro
1.5% Cash handling fee
Card purchases in a different currency to your debit card
GBP £ - Great British Pound
2.99% Currency conversion fee
USD $ - United States Dollar
2.99% Currency conversion fee
€ - Euro
2.99% Currency conversion fee
Non-Lloyds Cashpoint machines (ATM) or bank branches may charge you. If so, the machine will show you the amount and tell you that it will be taken from your account when you withdraw the cash.
If you ask the cash machine operator to make the conversion, we will not charge you a currency conversion fee, but we will charge a cash handling fee.
We won’t charge a cash handling fee on your Sterling debit card if you withdraw euro from within the EEA or UK or withdraw euro from outside the EEA or UK and the cash machine operator’s payment service provider is based in the EEA or UK.
The European Economic Area (EEA) means the countries in the European Union plus Iceland, Norway and Liechtenstein.
Payments
Sending funds
Sending funds International Moneymover Service*
Free:
- through online banking
- through International PhoneBank, in branch, or in writing
- through standing order
- to your other accounts held with Lloyds Banking Group.
Free
Correspondent Bank Fee*
Zone 1 (USA, Canada and Europe)
(Note: For the purposes of the Correspondent Bank Fee, Europe is defined as all EEA countries plus Jersey, Guernsey, Isle of Man, Monaco, San Marino and Switzerland)
£12
Correspondent Bank Fee*
Zone 2 (Rest of the world)
£20
Electronic Funds Transfer
CHAPS payments within the British Isles
£25
Recalling a payment
We cannot guarantee the cancellation as funds may already have been paid to the beneficiary.
Lloyds Bank International do not charge customers to recall a payment, however any return of funds may be subject to deductions in the form of
- beneficiary bank or other. institutions return payment fees
- foreign bank charges
- foreign exchange fluctuations.
Free
*When making an International Payment there are two charging methods:
Split Charges: Recipient and Correspondent banks abroad may charge a fee for receiving payments which will be paid by the recipient if you choose to share charges.
Pay all Charges: A Correspondent Bank Fee will be payable for international payments where you choose to pay the charges for the recipient, if you are permitted to do so based upon the destination of the payment and the type of account that you hold. The Correspondent Bank Fee replaces all Correspondent bank charges. The recipient bank may still charge its customer a fee but we cannot provide information about such a fee. The amount of the Correspondent Bank Fee depends on the location of the recipient bank.
Receiving funds
Receiving funds Electronic bank transfer from another financial institution
Free
Statements
Receiving funds Supplying copies of previous bank statements
Free
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This accounts comes with:
- Global hotel booking and dining discounts with Visa Luxury Hotel Collection.
- Car hire discounts with Sixt.
- Support with refunds on delayed flights by Visa AirRefund.
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Please note there are separate versions of the terms and conditions documents for accounts which until 1 August 2022 were held with Lloyds Bank (International Services) Limited (LBISL). All other accounts held with Lloyds Bank Corporate Markets plc (LBCM) which were NOT held with Lloyds Bank (International Services) Limited accounts until 1 August 2022.
- Customer Relationship Agreement – LBCM (PDF, 383KB) [excluding accounts which until 1 August 2022 were held with Lloyds Bank (International Services) Limited].
- Customer Relationship Agreement – Ex-LBISL (PDF, 313KB) [for Lloyds Bank Corporate Markets plc accounts which until 1 August 2022 were held with Lloyds Bank (International Services) Limited].
- Account terms and conditions PDF - LBCM (PDF, 226KB) [excluding accounts which until 1 August 2022 were held with Lloyds Bank (International Services) Limited].
- Account terms and conditions – Ex-LBISL (PDF, 324KB) [for Lloyds Bank Corporate Markets plc accounts which until 1 August 2022 were held with Lloyds Bank (International Services) Limited].
- Euro and US Dollar debit card user guide and terms and conditions (PDF, 167KB)
- SEPA Credit Transfers terms and conditions (PDF, 129KB) Lloyds Bank Corporate Markets plc.
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