• Business Overdraft

  • All businesses need to be flexible, so it’s good to be ready for the unexpected.

    An overdraft will make sure that extra funds are available when needed.

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  • Features & Benefits

    • With a business overdraft with Lloyds Bank International, you can make sure that extra funds are there when you need them.
    • Apply for a limit that suits your business.You can have an overdraft limit from £1,000 to £500,000
    • Only pay interest on the funds you use
    • Set up a planned overdraft and you'll only pay interest on the funds you use
    • Choose an overdraft term of up to 12 months
    • An arrangement fee will apply and is related to the amount you choose to borrow.
  • These terms will be discussed with you before you take the overdraft.

  • Eligibility

    New and existing islands commercial customers.

  • Interest rates

    • Call us for current interest rates.
    • Tailored interest rates based on your business status.
    • Rates will be discussed on application.
  • Charges and fees

    Please be aware that charges apply.

    You will pay an arrangement fee of up to 1.5% on the amount of your overdraft, subject to a minimum fee of £100*.

    Subsequent renewals will include an arrangement fee of up to 1.5% (subject to a minimum fee of £100). We will discuss full terms with you before any overdraft is taken out.

    *The minimum fee is applicable in order to cover the administration cost of arranging smaller overdrafts.

    2. For any borrowing which is unarranged, the Unauthorised Borrowing Interest (UBI) rate is 26.4%.

    The first time you go overdrawn, without an agreed overdraft facility, or exceed your agreed limit with us by £50 or more, you may be charged an Unauthorised Borrowing Fee of £15. After that, the UBF is applied every time you increase your unauthorised borrowing by £50 or more from the previous day’s closing balance, unless a higher limit is agreed with us or until the account is within its existing limit or in credit.

    Where you do not have enough money available to make a payment and we do not agree to extend an unauthorised overdraft, you will not be able to make that payment. We charge a £25 fee each time we have to return a payment.

    Call us for information on charges and fees.

  • How to apply:


    Visit us in branch

    Find a branch


    Call us

    • 01534 845012  Jersey
    • 01481 706308  Guernsey
    • 01624 657848  Isle of Man