Full product details for the Lloyds TSB Current Account, including application criteria, incentives, facilities, overdraft, rates and fee & charges.
 |  Compare Lloyds TSB current account details against other current accounts or use our current account comparison tables.Did you know Lloyds TSB also provide credit cards, savings, home insurance, pet insurance, travel insurance, van insurance and breakdown cover? |
| Company: | Lloyds TSB
www.lloydstsb.com
| Lloyds TSB
www.lloydstsb.com
| Lloyds TSB
www.lloydstsb.com
|
| Product: | Platinum Plus Current Account | Vantage Platinum Current Account | Classic Current Account |
| | details | details | details |
| Apply via this site: | Not available | Not available | Not available |
| | | | |
| Application Criteria | |
 Minimum income: | £0 | £0 | £0 |
| Minimum Monthly Credit: | £1,000 | £1,000 | £0 |
| Minimum Investment: | £0 | £0 | £0 |
| Maximum Investment: | Unlimited | Unlimited | Unlimited |
| Minimum Age: | 18 | 18 | 18 |
| Maximum Age: | Unlimited | Unlimited | Unlimited |
| Existing Customer Only: |  | | |
| Area Restrictions: | none | none | none |
| Transfer Assistance: |  | | |
| Incentives | |
| Account Promotions: | | | |
| Incentive Cashback £: | £0 | £0 | £0 |
| Incentive Moneyback: | | | |
| Incentive Pref Rate/Deals: | | | |
| Incentive Disc/Vouchers: | | | |
| Incentive Breakdown: | | | |
| Incentive Protection: | | | |
| Incentive Other Insurance: | | | |
| Incentive Savings Sweep: | | | |
| Incentive Currency: | | | |
| Incentive Other: | | | |
| Facilities | |
| Internet Banking: | | | |
| Branch Banking: | | | |
| Telephone Banking: | | | |
| Post Office Banking: | | | |
| Standing Orders: | | | |
| Direct Debits: | | | |
| BACS Transfers: | | | |
| CHAPS Transfers: | | | |
| Bill Payment Service: | | | |
| Statement Frequency: | monthly | monthly | monthly |
| Min Additional Deposit: | £1 | £1 | £1 |
| Minimum Withdrawal: | Unlimited | Unlimited | Unlimited |
| Withdrawal Restrictions: | none | none | none |
| ATM Card: | | | |
| ATM Mini Statements: | | | |
| Max ATM Withdrawal: | £500 | £500 | £200 |
| Cheque Book: | | | |
| Cheque Guarantee Card: | £0 | £0 | £0 |
| Cheque Clearance Time: | 3 | 3 | 3 |
| Debit Card: | | | |
| Debit Card Type: | Visa | Visa | Visa |
| Passbook: | | | |
| Text Messaging Events: | | | |
| Text Mini Statements: | | | |
| Travel Ins Winter Sport: | | | |
| Overdraft | |
| Overdraft Facility: | | | |
| Interest Free O/D Limit: | £250 | £250 | £0 |
| Automatic O/D Facility: | £0 | £0 | £0 |
| Overdraft Buffer Limit: | £0 | £0 | £0 |
| Overdraft Arrangement Fee: | | | |
| Auth O/D Rate-APR/EAR: | 10.4% | 12.3% | 19.3% |
| Mthly Auth O/D Charge: | £0 | £0 | £0 |
| Unauth O/D Rate-APR/EAR: | 10.4% | 12.3% | 19.3% |
| Mthly Unauth O/D Charge: | £15 | £15 | £15 |
| Overdraft Letter Charge: | £0 | £0 | £0 |
| Rates | |
| Headline Interest Rate: | 3% | 5% | 0.1% |
| Rate Guarantee: | | | |
| Introductory Bonus: | 0% | 0% | 0% |
| Amount of Bonus: | n/a | 0% | 0% |
| Open-ended Bonus: | 0% | 0% | 0% |
| Non Standard Tiers: | | | |
| Gross AER - £1/£50: | 3% | 0.10% | 0.10% |
| Gross AER - £500: | 3% | 0.10% | 0.10% |
| Gross AER - £1,000: | 3% | 2% | 0.10% |
| Gross AER - £2,500: | 3% | 2% | 0.10% |
| Gross AER - £5,000: | 0.10% | 5% | 0.10% |
| Gross AER - £10,000: | 0.10% | 0.10% | 0.10% |
| Gross AER - £25,000: | 0.10% | 0.10% | 0.10% |
| Gross AER - £50,000: | 0.10% | 0.10% | 0.10% |
| Gross AER - £100,000: | 0.10% | 0.10% | 0.10% |
| Interest Payment Freq: | annually | annually | annually |
| Interest on Withdrawal: | same day | same day | same day |
| Int Added to Account: | | | |
| Interest Paid by Cheque: | | | |
| Int Paid to Bank A/c: | | | |
| Int Paid to Other A/c: | | | |
| Int After Cash Deposit: | 1 working day | 1 working day | 1 working day |
| Int After Cheq Deposit: | same day | same day | same day |
| Int After BACS Deposit: | same day | same day | same day |
| Interest Variant: | | | |
| Max Balance High Interest: | £2,500 | £7,000 | Unlimited |
| Fee & Charges | |
| Free Banking: | | | |
| Monthly Charge: | £17 | £17 | £0 |
| Standing Order Charge: | £0 | £0 | £0 |
| S/O Setting Up Charge: | £0 | £0 | £0 |
| S/O Amendment Charge: | £0 | £0 | £0 |
| S/O Cancellation Charge: | £0 | £0 | £0 |
| Unpaid S/O Charge: | £20 | £20 | £20 |
| Direct Debit Charge: | £0 | £0 | £0 |
| Debit card charge Europe: | 0% | 0% | 1% |
| D/D Setting Up Charge: | £0 | £0 | £0 |
| D/D Amendment Charge: | £0 | £0 | £0 |
| D/D Cancellation Charge: | £0 | £0 | £0 |
| Unpaid D/D Charge: | £20 | £20 | £20 |
| CHAPS Charge: | £30 | £30 | £30 |
| Stopped Cheque Charge: | £10 | £10 | £10 |
| Unpaid Cheque Charge: | £20 | £20 | £20 |
| Transaction Charge: | 0 | 0 | 0 |
| Unauth Transaction Fee: | £6-20 per day | £6-20 per day | £6-20 per day |
| ATM Withdrawal Charge: | £0 | £0 | £0 |
| ATM charge Europe: | 1.5% | 1.5% | 1.5% |
| A/c Transfers Int. Free: | | | |
| Bankers Draft Charge: | £20 | £20 | £20 |
| Bankers Reference Charge: | £10 | £10 | £10 |
| Copy Cheque Charge: | £0 | £0 | £0 |
| Duplicate Stat Charge: | £5 | £5 | £5 |
| Special Clearance Charge: | £10 | £10 | £10 |
| Forex fee % Europe: | 2.99% | 2.99% | 2.99% |
| Other Charges: | | | |
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The HBOS takeover has been given the green light by Lloyds TSB stakeholders.
Shareholders of Lloyds TSB have voted in favour of the proposed takeover of Halifax Bank of Scotland (HBOS) by an overwhelming majority.
Almost 96 percent of those present at a meeting in Scotland backed the deal. This paves the way for a merger to go ahead early next year, provided HBOS shareholders signal their support for the plans next month.
Commenting on the outcome of the ballot, Sir Victor Blank, chairman of Lloyds TSB said: "Today's successful vote marks another important milestone in the proposed acquisition of HBOS to create the UK's leading financial services company. I am delighted that our shareholders have endorsed the compelling strategic logic for this transaction."
Shareholders also backed fundraising plans that will see the bank issue £4.5 billion worth of new shares to shareholders as well as £1 billion worth of preference shares to the government. HBOS is also planning similar fundraising efforts to strengthen its own balance sheet.
HBOS shareholders will vote on the merger plans on December 12th and, according to the Share Centre, they will have little choice but to support the deal. The HBOS board will need a 75 percent majority vote in favour of the deal in order for it to go ahead.
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