CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT

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1 CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT

2 Classic Account Contents Welcome 1 Your Lloyds Bank Visa debit card 2 Ways to bank 4 Money Manager 8 Moving your money 10 Using cheques 12 Using an overdraft 14 Travel money 16 Save the change 18 Other ways we can help 19 Our other current accounts 20 Switching to Lloyds Bank 23

3 Welcome I like being in control Welcome to your Classic Account The Classic Account is popular for good reason. It comes with many helpful features and there s no monthly account fee. Whether you prefer Internet Banking, or talking to a real person, you ll be able to manage your money how you want to. You ll also be able to use Money Manager our online tool that helps you organise your finances. Use your Visa debit card at over 500,000 places in the UK and at over 27 million worldwide. 24 hour banking with your choice of Internet Banking, Mobile Banking and PhoneBank. Flexibility to ask our team about a 25 interest free and fee-free Planned Overdraft. Absolutely free as long as you re in credit. Account opening is subject to our assessment of your circumstances. How much we lend, if anything, is subject to an assessment of your personal circumstances. 1

4 Your Visa debit card I need a card that s convenient and easy to use 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. Please see your Banking Charges guide or visit lloydsbank.com for more details of the fees or charges that apply to overseas or non-sterling transactions. What you ll receive next You should already have your sort code and account number, and we ll send you everything else you need in the coming days. If you re new to Lloyds Bank, your debit card and PIN will arrive within seven working days. For your security, we send them separately. If you ve changed from another Lloyds Bank current account your account number, sort code, PIN and chequebook will stay the same. You may receive a new card, but you can keep using your current card until the new one arrives. If there s anything you re still missing 10 days after opening your Classic Account, please let us know. Help us to help you If we spot any fraudulent transactions on your account, we ll call to let you know. So please make sure we have your up-to-date contact details. 2

5 FREEDOM

6 Ways to bank I can choose how I want to bank 24/7 Manage your money around the clock both online and on the phone. 4

7 Ways to bank PhoneBank Open new accounts, book an appointment at your branch, order cheque books, make payments and much more. Our automated telephone service lets you carry out simple transactions, and our advisers are also available for anything a little more complex. Internet Banking View statements, check your balance, view Direct Debits, set up standing orders and make transfers and payments. Register or log on to Internet Banking at lloydsbank.com/ib Mobile Banking Our free Mobile Banking service helps you stay on top of your finances on the move. You can do your banking on the spot with most mobile phones either using our app or through your mobile s browser at lloydsbank.com/onthemove 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 Telephone, Internet and Mobile Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information. You must be registered for Internet Banking to be able to use our Mobile Banking service. Services may be affected by phone signal or functionality. We don t charge you for Mobile Banking but your mobile operator may charge you for some services, please check with them. PhoneBank is a registered trademark of Lloyds Bank plc. 5

8 Ways to bank Text alerts Weekly balance alerts on the weekday of your choice, we ll let you know your latest balance and last six transactions. Limit alerts if you re near to or over your account limit, we ll let you know to help you avoid accidental overdraft fees. High and low balance alerts when your balance reaches or falls to a certain level, we ll let you know so you can transfer money in or out of your account. 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. Cashpoint At many of our Lloyds Bank Cashpoint machines, you re never far from being able to: Top up your pay-as-you-go mobile phone*. Pay your bills. Pay in cash and cheques. Check your balance, change your PIN, withdraw cash or move money between Lloyds Bank personal accounts. Withdraw up to 500 per day. REGISTER For text alerts visit lloydsbank.com/ib, call us on , or visit a branch. 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. *Your bank account will be debited in the same way as a cash withdrawal. Successful top-up transactions will reduce your 500 daily withdrawal limit. 6

9 BREEZE

10 Money Manager I can easily keep track of my finances Money Manager automatically breaks down most of your spending into meaningful categories (like entertainment, food and travel) to give you a better picture of your spending. 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 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 UK Lloyds Bank personal current and credit card accounts together. To register and start using this free service, visit lloydsbank.com/moneymanager Spending analysis Categories % Car 28% Groceries 21% Entertainment 18% Clothing 15% Household goods 14% Sundry 4% Money Manager is provided free to help you manage your personal finances and is not intended to provide legal, tax or financial advice. There may be differences between descriptions shown on printed or online statements and Money Manager. Your printed and online statements remain the definitive record of your account. Transactions may appear earlier or later on your statements. You must be registered for Internet Banking. Further terms and conditions apply. *In order to set up a Savings Goal you must have a Lloyds Bank savings account. 8

11 Money Manager Get a clearer view of what you ve been spending Car 28% 9

12 Moving your money Make quick, secure deposits All the deposits you make over the counter are processed immediately. Any deposits made through our depositpoints before the cut-off time shown in branch will be processed the same day. Any deposits made after that time or at weekends will be processed the next working day. All cash will be immediately available when processed and cheques will follow normal clearance timelines. Our easy-to-use Immediate Deposit Machines (IDMs), let you pay in cash and cheques in a matter of seconds you don t need your PIN and you ll get a copy of the cheque in your receipt. Weekends and Bank Holidays are not counted as working days. It s easy to move my money A_B Direct Debits Direct Debits are a quick and easy way to make payments. They go straight from your account to a company or service, which is really useful for paying regular bills like your utilities, where the amounts might vary. If you ever need to cancel or change a Direct Debit, simply let the company you are paying and us know. If you think there s been an incorrect payment, tell us immediately and we ll arrange a full refund, and tell the company or business involved. Sending money abroad Our International Payment Services help you send money abroad quickly, easily and securely. To find out more go to lloydsbank.com/travel 10

13 Moving your money Standing orders Another simple way to pay your bills is by standing order. This is a fixed, regular payment from your account. We can help you set these up, and if you ever need to change or cancel them just let us know. Payment of Standing orders/ Direct Debits/cheques/future dated payments We make payments from your account shortly after midnight at the start of the due date. If your payment date falls on a nonworking day, then we will try to collect your payment the next working day. If you don t have enough funds in your account at this point to make a payment, we will try to make a payment again after 3.30pm the same day. This gives you the chance to put extra funds into your account so that we can make the payment. The money needs to be available to use straight away, so you could transfer money from another personal account you have with us via Internet, Mobile or Telephone Banking or pay in cash over the counter in branch. If you do not have enough funds at the beginning of a day to make a payment: You have until 3.30pm to pay money into your account to make the payment that day. If a payment takes you into any type of overdraft, you have until 3.30pm to pay money into your account to avoid overdraft fees and charges. Standing orders and future dated payments If you don t have enough funds in your account to pay a standing order after 3.30pm on the day the payment is due, we will continue to make the payment each working day for up to 26 days in total. If we can t make the payment by the second day after it was due, then we may charge a returned item fee of 10. We will, however, only charge one for each item that isn t paid, even if we continue to try to make the payment over the 26 days. If we charge a returned item fee then we will write to let you know about the failed payment. 11

14 Using cheques I need to use cheques How and when you can use cheques We offer instant cheque value, which means that if your account pays credit interest, we ll start paying it straight away on the first 1,000 of cheques paid in over the counter before the cut-off time. If you pay in more than 1,000 in a day, we ll start paying any interest on the amount over 1,000 on the second working day after you pay it in. Unpaid cheques If you write a cheque without having enough money in your account to cover it, it might get returned (or bounce ). Cheques can usually be returned up to six days after we receive them and charges may apply. Please refer to the Banking Charges guide for more information. Processing cheques When you pay in a cheque we use the same clearing process as all the main UK banks, called the process. If you need to stop a cheque call us straight away on or visit a branch. This is how it works if you pay in a cheque on a Monday morning: By 2 working days When you pay in cheques of over 1,000 a day, over the counter before 4.30pm on a weekday, we will start paying you any interest due on the money or use it to reduce the interest you owe us the second working day after you ve paid it in. By 4 working days Your money will be available in your account from Friday so you can withdraw it as cash or use it for making payments, but it could still be returned unpaid. By 6 working days By the end of the following Tuesday, the money cannot be debited from your account without your agreement, even if the cheque is later returned unpaid. 12

15 EASY

16 Using an overdraft I need support when things get a little tight Planned Overdrafts We support our Classic Account holders with a 25 interest and fee free Planned Overdraft, subject to application and approval. This gives you financial flexibility, without the worry of overdraft fees or interest. Unplanned Overdrafts If you go overdrawn unexpectedly, we could agree to cover your payments with an Unplanned Overdraft, but there are charges for this. If you ve gone into an Unplanned Overdraft we provide a 10 buffer, which means there ll be no additional overdraft fees or interest to pay if you remain within this buffer. Please see our Banking Charges guide for further details. All overdrafts are subject to a review of your circumstances and are repayable in full on demand. Grace period Our grace period gives you until 3.30pm (UK time) every day to pay in enough money to avoid any overdraft fees you may incur that day. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile, Internet or Telephone Banking or pay in cash over the counter in branch. Representative Example If you use a Planned Overdraft limit of 1,200 on our Classic Account the overdraft interest rate we charge on the first 25 will be 0% EAR variable. The overdraft interest rate on the next 1,175 will be 19.94% EAR variable and a Monthly Overdraft Usage Fee of 6 will apply. EAR is the equivalent annual rate. This is the actual interest rate of an overdraft. It doesn t take into account fees and charges. Control Control is an add-on for our Classic Account that can help you to stay on top of your finances. For a 10 monthly fee, Control can help you in two ways: You won t pay any Unplanned Overdraft fees (if your account does happen to go into an Unplanned Overdraft*). You won t pay any Returned Item Fees (if you try to make a payment when you don t have enough money to cover it). Visit lloydsbank.com/control or come into branch to find out more. *You still pay interest on your Unplanned Overdraft. 14

17 Using an overdraft 15

18 Travel money I ve got everything I need when travelling Commission-free travel money and an easy way to pay abroad Use your Visa debit card in hotels, bars, restaurants and shops Visa is accepted in over 27 million outlets and at one million ATMs worldwide. Fees apply, so please refer to the Banking Charges guide for more information. Your Visa debit card is an alternative to carrying cash, and is just as safe to use abroad as it is at home. We ll monitor your account when you re out of the country, and if we see anything suspicious, we ll try and text or call you to let you know. Let us know before you go so we can get in touch. Visit us in branch with your debit card or call us on All your foreign currency banknotes and American Express Travellers Cheques are commission free from us. We also offer instant Euros and US Dollars in many of our branches. Order your foreign currency or travellers cheques by 3pm Monday to Friday (excluding Bank Holidays) and we ll deliver them to any of our branches for you to collect after 1pm the next working day, free of charge. We can even deliver your currency to your home address for just 4.50 if you order online or by phone (delivery to British mainland and Northern Ireland, to customer s billing address only). Our branches will also buy back any foreign notes or American Express Travellers Cheques you might have left over commission free. If you need to call us from abroad, by mobile or prefer not to use our 0845 number, you can also call us on You should always check travellers cheques are accepted at your travel destination. 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. Different delivery timescales may apply to Scotland and Northern Ireland. We may not be able to guarantee next working day delivery to certain remote areas within the United Kingdom. Please ask in a branch for further details. 16

19 Travel money Visa is accepted across the world in over 27 million outlets 17

20 Save the Change I want to turn my spare change into savings Save each time you spend Saving is not always as easy as it sounds. With Save the Change it can be. Register for Save the Change and each time you buy something with your Lloyds Bank Visa debit card, and your account is in credit, the amount you spend will be rounded up to the nearest pound and the difference will be transferred from your current account to an eligible Lloyds Bank savings account. You can use your own savings account or choose a friend s or family member s. With Save the Change your everyday purchases can quickly boost your savings a few pounds at a time. REGISTER NOW For more details visit us in branch, at lloydsbank.com/savethechange or call us on If you need to call us from abroad, by mobile or prefer not to use our 0845 number, you can also call us on

21 Other ways we can help Telephone Banking Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information. More information There s no monthly fee for a Classic Account, but for more details of our current charges and interest rates, please refer to lloydsbank.com or visit a branch. Lost and stolen (or from abroad) Help with your account (or from abroad) Unrecognised transactions (or from abroad) 19

22 Our other current accounts I want a current account that grows with me Cash Account Classic Account No monthly fee No monthly fee Visa debit card to withdraw money from cash machines in the UK and abroad that are part of the LINK or Visa network and at the Post Office. REPRESENTATIVE EXAMPLE If you use a planned overdraft limit of 1,200 on our Classic Account the overdraft interest rate we will charge on the first 25 will be 0% EAR variable and a monthly overdraft usage fee will not apply. The overdraft interest rate on the next 1,175 will be 19.94% EAR variable and a monthly overdraft usage fee of 6 will apply. For 10 a month, adding Control to your account helps you avoid Unplanned Overdraft fees. 25 interest and fee free Planned Overdraft (subject to application and approval). Visa debit card. Cheque book optional. EAR is the equivalent annual rate. This is the actual annual interest rate of an overdraft. It doesn t take into account fees and charges. Post Office is a registered trademark of Post Office Limited. 20

23 Our other current accounts Club Lloyds Account Silver Account 5 per month For every calendar month that you pay in 1,500 or more we ll waive the monthly account fee. Variable tiered credit interest paid on balances from 1 up to 5,000, when you pay at least two different direct debits from your account each calendar month. Access to exclusive Club Lloyds Banking product offers. A choice of one of three Lifestyle Benefits per account: An annual magazine subscription, from a selection of available titles. 6 Vue cinema tickets. Annual Gourmet Society membership. 100 interest and fee-free Planned Overdraft (subject to application and approval). Visa debit card. Cheque book. For 10 a month, adding Control to your account helps you avoid Unplanned Overdraft fees per month European Travel Insurance for you and your partner until your 65th birthday. AA Roadside Assistance and Accident Management. Mobile Phone Insurance. Sentinel Card Protection. 50 interest and fee-free Planned Overdraft (subject to application and approval). Visa debit card. Cheque book. Club Lloyds Silver Account An extra 5 per month (maximum monthly account fee) As long as you pay 1,500 or more into your account every month, we will waive the 5 Club Lloyds monthly fee. The benefits of Club Lloyds and our Silver Account. 21

24 Our other current accounts Platinum Account Club Lloyds Platinum Account 17 per month Worldwide Travel Insurance including Family or Winter Sports Cover. Cover stops on the account holder s 80th birthday. AA Breakdown Cover including Roadside Assistance, Home Start, Relay and Accident Management. Mobile Phone Insurance. Sentinel Card Protection. Save What Matters. 300 interest and fee free Planned Overdraft (subject to application and approval). Visa debit card preferential charges when you use it abroad. Cheque book. An extra 5 per month (maximum 22 monthly account fee) As long as you pay 1,500 or more into your account every month, we will waive the 5 Club Lloyds monthly fee. The benefits of Club Lloyds and our Platinum Account. Things to note More information on all these benefits is available at lloydsbank.com. We review the accounts we offer from time to time and products can be withdrawn without notice. The following benefits are provided by third party suppliers Travel Insurance, AA Breakdown Cover, Mobile Phone Insurance, Sentinel Card Protection and Lifestyle Benefits. Exclusions may apply to the benefits. If your existing account has Vantage and you upgrade to Club Lloyds, you ll receive the Club Lloyds current account interest rates, as long as you meet the qualifying criteria. You will no longer benefit from your existing Vantage interest rate. If you don t currently pay a fee for your Added Value account and choose to upgrade to Club Lloyds, you will lose your fee waiver and have to pay the Added Value account fee for your particular account. You will also pay the 5 monthly Club Lloyds fee unless you qualify for this to be waived. 22

25 Switching to Lloyds Bank I want all my payments in one place We ll help move everything to your new account If you want to move your regular payments to your new account, you can use our switching service. We ll help you switch your Direct Debits and standing orders. We can also help arrange for anyone who regularly pays money into your account to redirect their payments. All you need to do is: Let us know the date you want to be switched. Tell us the account details, including the 16 digit number from your debit card for the account you want to switch from. We ll ask your existing bank to close your account and send the balance to your new account with us. If you d like us to arrange this ask in branch or visit lloydsbank.com/howtoswitch Our switching service moves everything over in just 7 working days 23

26 24

27 Important 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. If you need to call us from abroad, by mobile or prefer not to use our 0845 number, you can also call us on Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information. American Express is a registered trademark of American Express Company. Sentinel is a registered trademark of Affinion International Limited. Cashpoint, PhoneBank and Save the Change are registered trademarks of Lloyds Bank plc. Lloyds Bank ClickSafe TM, Save What Matters TM and depositpoint TM are all trademarks of Lloyds Bank plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number We subscribe to the Lending Code: copies of the Code can be obtained from Our promise is to do our best to resolve any problems you have. If you wish to complain visit your local branch or call or (Textphone or , if you have a hearing impairment). For more information visit lloydsbank.com/contactus We are covered by the Financial Services Compensation Scheme (FSCS). All information correct as at January 2015.

28 Contact us about your Classic Account Go to lloydsbank.com/classic Õ Call us on Visit your local branch If you d like this in another format such as Braille, large print or audio please ask in branch. If you have a hearing or speech impairment you can contact us using Text Relay or Textphone on or you can call us on if you prefer not to use our 0845 number (lines are open 24 hours a day, seven days a week). If you are Deaf you can use BSL and the SignVideo service available at lloydsbank.com/accessibility/signvideo.asp M58809 (01/15)

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