• Your Terms and Conditions

  • The Terms and Conditions relating to your Islands Commercial accounts held with Lloyds Bank International Limited consist of three types of documents, shown below, and these are each effective from the date stated in that document.

    1. General Terms and Conditions – these contain the general legal and regulatory terms and conditions for all accounts. There are different General Terms and Conditions documents depending on the type of entity you are.

      Please note that, from 21 August 2019 the General Terms and Conditions are being amended to reflect that all banks are introducing a new system for clearing cheques called the Image Clearing System. This will allow banks to clear a digital image of a cheque rather than the original paper cheque. Cheques paid in using this system will clear within two working days.

      For a period, the Image Clearing System will operate alongside the existing paper cheque clearing system. You can find the different clearing timescales for each type of cheque in our conditions.
    2. Account Terms and Conditions – these are separate product terms and conditions for each type of account
    3. Charges Guide – this contains details of our standard charges
  • Lloyds Bank Corporate Markets plc, is a wholly-owned subsidiary of Lloyds Banking Group. This is a separate entity to Lloyds Bank plc and Bank of Scotland plc which covers all of the Group’s retail and most commercial activities in the UK. Due to its product offerings, the counterparties and the markets in which they operate, Lloyds Bank Corporate Markets plc may be exposed to a different degree of risk compared to Lloyds Bank plc or Bank of Scotland plc. This is a reflection of the separation of the wholesale and investment banking activities which Lloyds Bank Corporate Markets plc may undertake, from the retail banking activities of the other entities, in the UK.

    Lloyds Bank is a trading name of Lloyds Bank Corporate Markets plc Jersey Branch. Lloyds Bank Corporate Markets plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850 Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256 respectively. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.

    The Jersey branch of Lloyds Bank Corporate Markets plc, principal place of business 11-12 Esplanade, St Helier, Jersey, JE2 3QA is licensed by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991.

  • Please read and retain ‘Your Guide to Bank Charges’ below, which applies to all customers.

    Your Guide to Bank Charges