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    Non-Sterling Currency Accounts


    Reference Interest Rates

    For information on Central Bank reference interest rates for 24 standard currencies please refer to our Reference Interest Rate schedule.

    For confirmation of the interest rates that applies to your account or for other currencies not listed above, please contact your Relationship Manager.

    Credit Interest

    Credit interest will be paid at the Credit Product Rate (which is set at 0.25% below the Reference Interest Rate). The appropriate credit interest tiers or agreed credit interest margins are then applied. If the Reference Interest Rate falls below 0%, it will be treated as 0% until such time it exceeds 0%.

    For information on standard currency denominated interest tiers please refer to our Credit Interest Tiers schedule.

    For information on standard sterling-equivalent interest tiers please refer to our Credit Interest Tiers schedule. Please also refer to our exchange rate schedule for accounts that use sterling-equivalent credit interest tiers.

    Debit Interest

    Debit interest will be charged at the Debit Product Rate (which is set at 0.25% above Reference Interest Rate). The appropriate debit interest margin is then applied. If Reference Interest Rate falls below 0%, it will be treated as 0% until such time it exceeds 0%.

    For debit interest rates on currency overdraft facilities please contact your Relationship Manager. Unauthorised borrowing for 24 standard currencies will be charged at the Debit Product Rate + 12% margin. For confirmation of unauthorised borrowing rates of other currencies please contact your Relationship Manager.

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Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 0207 626 1500.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.