Under 19s Accounts. Get your money off to a good start.

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1 Under 19s Accounts. Get your money off to a good start.

2 What s where in this guide. Account at a glance 1 All you need to make banking easy 2 Cashpoint card or Visa debit card? 3 Using your Lloyds TSB Cashpoint or Visa debit card 4 Remembering your PIN 6 An account that grows with you 7 OV O VER Keeping track of your money 8 Money Manager 10 F EA E AT U R ES Making the most of your account 11 Save the Change 12 E What happens next? 13 Managing your money 14 Jargon buster 16

3 Our Under 19s Account at a glance. Our Under 19s Account has a lot to offer. However some of the benefits are only available once you turn 16 see the table below to find out which ones you can take advantage of and when. Under 19s Account Feature Choice of Lloyds TSB Cashpoint card or Visa debit card Access to over 1,900 branches and ATMs Instant interest on cheques A competitive credit interest rate of 2.50% AER (2.47% Gross) on balances up to 2,500 Regular statements Free Weekly Balance Text Alerts Free Overseas Transaction Text Alerts Access to Telephone and Internet Banking services Save the Change Access to Mobile Banking Money Manager AA Driving School discounts years old X X X X X years old Account at a glance 1

4 All you need to make banking easy. The Under 19s Account is a great way to look after your money giving you an easy way to pay money in, take money out and keep track of your spending. As soon as you open your account you ll get: Access to over 1,900 branches and one of the largest ATM networks in the UK so you can get hold of your money easily and quickly wherever you are. Choice of a: Cashpoint card for accessing your money at ATMs only. Or a Lloyds TSB Visa debit card which you can use to pay for things in shops, on the internet, or to access your money at ATMs. Instant interest on your cheques paid into your account. 1 A competitive rate of interest. Earn a great variable rate of interest, paid quarterly, of 2.50% AER (2.47% Gross) on credit balances up to 2,500 and 0.10% AER on amounts above this. 2 Regular statements. The option to register for free Weekly Balance Text Alerts to help you keep track of your money.* See page 9 for details Free Overseas Transaction Alerts telling you when your Visa debit card has been used abroad. See page 9 for details 1 Applies to cheques paid over the counter between 9am-4.30pm weekdays, to a maximum daily value of 1,000. Only applies to Lloyds TSB personal current accounts paying interest. 2 AER (Annual Equivalent Rate) the rate if interest was paid and compounded once a year. Gross rate the rate before we take income tax off. Correct as at March * We don t charge you for Text Alerts but your Mobile Operator may do, so please check. 2 All you need to make banking easy

5 Cashpoint card or Visa debit card? It s your choice. Our Under 19s Account offers a specially designed Visa debit card to anyone aged 11 or over, or a Cashpoint card if you decide that s right for you. Ways to use your card Type of card In shops Online At an ATM To get cashback Over the phone Abroad Cashpoint card X X X X X Visa debit card *Charges apply Please see our Banking Charges Guide for more information. * Our Cashpoint card. If you only need a card to access money at our cash machines, our Cashpoint card gives you access to over 4,200 Lloyds TSB Cashpoint machines across the UK. Or you can use our Visa debit card... In shops, over the phone and online (your Visa debit card won t work in some retailers or on websites that aren t suitable for your age group, such as gambling sites). To take out up to 300 a day from any of our 4,200 Lloyds TSB Cashpoint machines free of charge or over 62,000 LINK cash machines (a charge may apply). To withdraw up to 50 cashback free of charge in most supermarkets. If you want to buy something and there is enough money in your account, everything will go through automatically. If there isn t, you shouldn t be able to buy the item, as this Visa debit card is designed to make sure you can t spend money you don t have. In the extremely unlikely event that something goes wrong and your account goes overdrawn by mistake, we won t charge you anything and we ll work with you to make sure your account is put right. Cashpoint card or Visa debit card? 3

6 Using your Lloyds TSB Cashpoint card or Visa debit card. Information that appears on your Cashpoint card or Visa debit card. 1. Valid from This is the date you can start using your Visa debit card. 2. Expires end You won t be able to use your card after this date but we ll automatically send you a new one before then. 3. Cardholder s name Your name will appear here. 4. Card number This is the unique long number across the front of your card. On the back of your Visa debit card signature strip where you sign your name. The last three digits of this code are usually needed when you shop online or over the phone. This code is sometimes described as your security code or CVV2 code. Lloyds TSB Cashpoint card. Lloyds TSB Visa debit card With our under 19s account Visa Debit card it s easy to make your everyday purchases, whether it s cinema or train tickets, lunch or stationery supplies. However, some transactions, like gambling, may be inappropriate for your age group, so your card comes with added functionality and will block your purchases in some shops or on some websites that it recognises as being potentially unsuitable. This means that occasionally it may not work for some of your other purchases because it thinks they are unsuitable too. If you want to change you card to one that doesn t have this added protection you can ask for a replacement card in branch when you turn Using your Lloyds TSB Cashpoint card or Visa debit card

7 Chip and PIN. Chip and PIN is when you enter your PIN into a keypad to buy something. Using it is simple: Insert your Visa debit card into a card reader or PIN pad and check the amount. Enter your PIN carefully and the machine will check it s correct, and print you a receipt. You ll still need to sign for some of your purchases, instead of using chip and PIN. For example when you re travelling abroad or where a retailer hasn t yet upgraded to chip and PIN. Going abroad. If you are travelling abroad you can use your Visa debit card to pay for things anywhere where you see the Visa sign, including shops, restaurants and cafes. It s more convenient and safer than carrying lots of cash around, plus you can withdraw local currency from any cash machine that displays the Visa sign. Let us know your travel dates and where you re heading; that way we know to expect overseas transactions on your account. Pop into your local branch or call us on Charges apply to use your Visa debit card abroad, please see our Banking Charges Guide for full information or ask any member of staff for details. Staying in control. Keep track of what you re spending and what s left in your account so you don t withdraw more cash than is available in your account. Use Lloyds TSB Cashpoint machines 24 hours a day to check your balance or print a mini statement. Things to be aware of. When you use your Visa debit card the amount of the transaction is set aside temporarily before it leaves your account. This means you won t be able to use this money for anything else, helping you to get an accurate view of what money is actually available for you to spend. Using your Lloyds TSB Cashpoint card or Visa debit card 5

8 Remembering your PIN With your card comes a PIN. When you pay for something in a shop or take out money from a Cashpoint, hard to remember the one we ve given you, then you can change it to one that s easier to remember. To change your PIN visit any Lloyds TSB Cashpoint and insert your card and current PIN. Then select PIN services and follow the on-screen instructions. If your card is lost or stolen. Your Visa debit card or Cashpoint card is much safer to carry around than cash. But you must report any theft or loss of your card as soon as possible so that we can prevent other people from using it. Call into any Lloyds TSB branch, or call the Lloyds TSB 24 hour Lost & Stolen Cards service on , in the UK, or (+44) from abroad. Top Tip. Choose a number that s special just to you and that you can remember. It s a good idea to avoid birthdays and repeating the same number (like 5555). Remember, your PIN is secret we recommend you don t write it down. You must never give your PIN to anyone else including bank staff and the police. 6 Remembering your PIN

9 An account that grows with you. 16s OVER F EAT U R ES you can register for as part of your Under 19s Account including: service page 8 Services and our Mobile Banking app page 9 page 11 which makes saving easy page 12 Read on to about our over ask us for a replacement Visa debit card that won t restrict your purchases depending on your age. As you get older... we ll change your account to a Student Account. a Student Account we will change it to a Classic Account or similar account if it s no longer available. we will always write to you at least 60 days before to let you know what s changing. Top up your mobile. To make life easier, you can use our free top up service for Pay-as-You-Go mobile phones at over 4,200 Lloyds TSB Cashpoint machines. Six pre-set amounts between 10 and 50 are available for the following networks: Orange, Vodafone, O2, Virgin Mobile, Tesco Mobile and T-Mobile. Your bank account will be debited in the same way as a cash withdrawal. Successful top up transactions will reduce your 300 daily withdrawal limit. The TESCO mobile top up service is not available at ASDA or Waitrose stores, or at our Cashpoint machines at BP or Texaco garages. An account that grows with you 7

10 Keeping track of your money. It s your money so we ll do everything we can to help you keep track of it whichever way you choose to bank. If you don t want to spend your free time at the bank, Telephone, Internet and Mobile Banking* give you access to your account 24 hours a day great for sorting out your everyday banking when you re on the move. Internet Banking. Get instant access to your account 24 hours a day, seven days a week with Internet Banking. It s also a quick and convenient way to view statements online, order foreign currency and much more. With just a few clicks of the mouse you can: Check your up-to-the-minute balance. Pay your bills. Transfer funds between your Lloyds TSB accounts. Set up, view and cancel standing orders. Order your travel money. How to register. Go to lloydstsb.com or visit any Lloyds TSB branch. 16s OVER F EAT U R E PhoneBank. 16s much money you have to paying a bill PhoneBank is a fast and simple way to access your account, 24 hours a day, seven days a week. With just one call you can: Check your current balance. Pay your bills. Transfer money between your own accounts or to another person. Set up standing orders and check Direct Debits. Order your travel money. How to register. Call us on and ask an adviser to send you a Security Number in the post to help you get to your account faster. OVER F EAT U R E We will send you regular statements through the post, but if you prefer to bank online you can have paperless, online statements sent directly to your inbox instead. Please note that although you can give us instructions 24 hours a day, seven days a week through Internet Banking, Mobile Banking and PhoneBank some of those instructions cannot be processed until the next working day. For example if the instruction is given after 10pm or at weekends or Bank Holidays. Not all PhoneBank services are available 24/7, please speak to an adviser for more information. *Some services may be affected by phone signal and functionality. 8 Keeping track of your money

11 Mobile Banking. 16s You can do your banking on the go with most internet enabled mobile devices either using our app or via your mobile s browser at mobile.lloydstsb.com/onthemove Download the Mobile Banking app or log on to Mobile Banking through your mobile browser, using your Internet Banking details to: View your balance and transaction history. Transfer funds between accounts. Make payments to new and existing recipients. Sign up for our helpful Text Alerts to help you manage your account. Limit Alerts We ll send you a text message to let you know when you re getting close to, or over your account limit to help you avoid paying any Unplanned Overdraft fees. Weekly Balance Alerts Once a week we ll send you a text message with your balance and your last six transactions. Simply choose the weekday and time you d like us to send it (also available to those aged 11-15). High or Low Balance Alerts You can set your own high and low balance limits so you know how much money you have in your account. We ll send you a text to let you know when you ve reached either of your limits. How to register for Text Alerts. Call PhoneBank on , visit Internet Banking (if you are registered for the service), or go in branch. Overseas Transaction Alerts We ll text you when your Visa debit card is used abroad to make a withdrawal or a purchase. This should make it easier for you to spot any fraudulent transactions on your account (also available to those aged 11-15). OVER F EAT U R E We don t charge for Mobile Banking but your mobile operator may charge for some services, so please check with them. Services may be affected by phone signal and functionality. Internet Banking registration is required for some services. Text Alerts (other than Weekly Balance and Overseas Transaction Alerts) are sent before 10am UK time Monday to Friday (excluding Bank Holidays). Terms and conditions apply. Keeping track of your money 9

12 Introducing Money Manager... 16s OVER F EAT U R E An online service that makes it much easier to keep a closer eye on what you re spending and where. Money Manager can help you keep track of your spending across your Lloyds TSB personal current account. It s free and easy to use you just need to be registered for Internet Banking. Log on to your Internet Banking, and then simply log on and click on the Money Manager banner on the Your Accounts page. Once it s activated, you ll be able to view up to two years of spending. You ll be able to see at a glance what you re spending your money on and where. For further information visit lloydstsb.com/moneymanager or ask in branch. 10 Money Manager

13 Making the most of your account. Whether you re at school, college or starting a new job, our Under 19s Account will help you take care of all your everyday banking needs plus there s a few extras thrown in too. 16s Save up to with the AA Driving School. This might come in handy now or it may be a while before you turn 17. Either way, as long as you re an Under 19s Account customer you ll be able to take advantage of these driving discounts. Money off driving lessons: You can save 36 of 12 lessons that s 3 off each lesson. Free AA Pass your Test CD-ROM: Just get your driving lessons booked and you ll receive a CD-ROM to help you learn, worth Money off Pass Plus : After you pass, you can go on and save 20 off Pass Plus the DSA recognised discount of up to 35% on your car insurance. OVER F EAT U R E To redeem these offers call the AA Driving School on quoting LTSBU192 between 8.30am to 8pm Monday to Friday and 9am to 5pm at weekends. AA learning to drive offer. Fanum House, Basing View, Basingstoke RG21 4EA. Registered in England and Wales No: We do not accept liability for the provision of any services by the AA. We may change or withdraw these offers at any time, please check in branch to see what is currently available. Making the most of your account 11

14 Save the Change. 16s OVER F EAT U R E We know it s hard to save if you re at school, college or you ve just started a job, but Save the Change is a simple way to put a little bit aside without even knowing you re doing it. Sign up for Save the Change and every time you make a purchase with your Lloyds TSB Visa debit card, provided your account is in credit, the difference will be rounded up to the nearest pound. This will then be transferred into an eligible Lloyds TSB savings account of your choice the next working day after the Visa debit card transaction has been processed and the money has left your account. Save the Change transfers can also be made from Lloyds TSB current accounts held by family members to your chosen savings account if they wish. You need to be aged 16 or over to register for Save the Change. If you re under 16 it s really easy for a parent or guardian to register their eligible Lloyds TSB account for Save the Change and nominate their extra change into your savings account. The following accounts are not eligible for Save the Change : Monthly Saver, Term Deposit, Tracker Bond, ebond, Child Trust Fund and ISA products. Save the Change does not apply to over the counter cash advances, ATM withdrawals or fees charged for non-lloyds TSB ATM transactions. Find out more in branch, at lloydstsb.com or call us on If you need to call us from abroad, or prefer not to use our 0845 number, you can also call us on Save the Change

15 If you haven t already opened an account. You only need 1 to open an Under 19s Account and you can call into any of our branches where we ll help you complete your application. You ll need to bring the following with you when you apply: If you re under 16 you ll need to be accompanied by a parent or guardian, and they ll need to bring ID and proof of their address too. If you re over 16 you don t need to be accompanied. Which documents can you bring along? or if you re older a photo driving licence, from one of the following countries: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Netherlands, Norway, Poland, Portugal, Spain, Sweden. Australia, Canada, United States of America, New Zealand, South Africa or Japan. Medical Card, National Insurance card or Young Scots card. as proof of your identity, or an introduction from an existing customer, for example, a parent of guardian who has an account with us. If you, your parent or guardian can t provide one of the items above, please bring one document from each of the following two lists instead: Proof of identity. valid UK Visa. Proof of address. (we don t accept Internet statements). landline phone bill) dated within the last three months. already used as proof of ID). housing association, local council or reputable letting agency. Please don t worry if you don t have any of the items above, as we may be able to accept other items. For more information ask in any branch or call us on What to do once your account is open. If you ask for a Visa debit or Cashpoint card, you ll receive this within 5-7 working days after you ve opened the account, along with a separate letter detailing your What happens next? 13

16 Managing your money. Paying money in. It s much safer to pay money in to your Under 19s Account than carrying cash or cheques around with you. There are lots of ways to pay in money you ll soon Paying in money at any Lloyds TSB branch. Lots of people pay in over the counter, but to save time, you can use one of our depositpoints. Just use the special paying-in envelope and paying-in slip situated near the depositpoint. We can even send you a personalised paying in book with all your details to save you even more time just ask a member of staff for more information. All cash deposited at the counter will be available in your account immediately. Cash deposited in depositpoints before the cut-off time shown at the depositpoint used will be processed and available to use the same working day. Any deposits made after that time or at weekends will be processed the next working day. Cheques can take up to six working days after we receive them for you to be sure the money will be available for you to use. Please remember, weekends and Bank Holidays are not counted as working days. When do I earn interest on the cheques I pay in? When you pay in cheques of up to 1,000 over the counter at a Lloyds TSB branch between 9am and 4.30pm on a weekday, we ll pay you interest the moment you pay them in. 14 Managing your money

17 Setting up a standing order. You could ask your parents to set up a standing order from their bank account for your pocket money/allowance. This means that the money will be paid directly into your account and you ll be able to take it out with your Visa debit card. Just give your parents your account number and sort code and they can arrange it for you. Taking money out of your account. Once we ve opened your account, we ll provide you with all the information you need Keeping your account safe and taking care against theft and fraud. Always be sure before you give your bank details to anyone else, that you know who they are and why they need this information. Managing your money 15

18 Jargon buster. Visa debit card. A plastic card that can be used instead of cash when making a purchase. The amount spent is taken (debited) automatically by computer from your account. The Under 19s Lloyds TSB Visa debit card does not come with an overdraft facility. Cashpoint card. A cash card allows you to draw money from cash machines (ATMs). Many banks set a daily limit as to how much you can take out, even if your account contains funds. Credit. If your account is in credit, it means that you have money available to spend. LINK cash machines. LINK is a UK network of cash machines. You can use your Visa debit or Cashpoint card to take out money from cash machines where you see the LINK sign. Interest. A proportion (or percentage) of money on top of an original amount. If you save money, you can often receive interest from the bank on the money you save. Cashpoint/ATM. An Automated Teller Machine (ATM) is a cash dispensing machine (or hole in including banks, shopping centres and railway stations. In order to be able to use an ATM you need a Cashpoint card (PIN). There is often a limit per day on your withdrawals. Debit. Money which is taken out of an account is debited from that account. Balance. Is the amount of money you have in your bank or other account at any time (or the amount you owe on your credit or store card). It will be shown on your statement. Balance brought forward is the balance that was left at the end of last month. 16 Jargon buster

19 Direct Debit. This is an arrangement where the bank releases money from your account to pay bills automatically. The organisation you are paying can change the amount of a Direct Debit, but you are told in advance how much it will be. If you set up a Direct Debit to pay household bills you usually receive a discount, and it means that you don t have to worry about sending off a cheque each month. Standing order. A way of paying regular amounts automatically which you set up yourself (as opposed to a Direct Debit which is set up by the organisation you are paying). Once set up, the bank will pay the agreed amount of money on a regular basis to a particular person or company. Jargon buster 17

20 If you would like to open an Under 19s Account with us, visit your local branch or call to make an appointment. Remember to take all the ID and proof of address you need. For further information visit lloydstsb.com/under19 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 (previously Typetalk) or Textphone on (lines are open 24 hours a day, seven days a week). We may monitor or record calls in case we need to check we have carried out your instructions correctly and to help improve our quality of service. Registered in Scotland No. SC Authorised and regulated by the Financial Services Authority. We are covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. Cashpoint, PhoneBank, and Save the Change are registered trademarks of Lloyds TSB Bank plc, depositpoint is a trademark of Lloyds TSB Bank plc. All information correct as at March M53619 (03/13)

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