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Current Accounts / Island Gold Account
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A current account that gives you a range of rewarding benefits for a £9 monthly fee.
Our Island Gold Account is your first step up into a different world of banking, with all the trimmings to make life easier. Complete with a host of added benefits, it’s a current account and more, with everything from worldwide travel insurance to discounted AA European breakdown cover – all for a monthly fee of £9.*
*We only offer products from a single company, underwritten by AXA Insurance UK plc. We do not provide advice on travel insurance and we will not make comparisons with other similar products including those which you may currently hold. You will need to make your own choice about how to proceed.
You must be a personal customer aged 18 years or over. You must be ordinarily resident in the Channel Islands or Isle of Man.
Interest rates from 2 October 2012
Interest rates from 2 November 2007 to 1 October 2012
Interest rates from 1 August to 1 November 2007
Interest rates from 1 June to 31 July 2007
Interest rates from 1 April 2009 to 1 December 2010
*GROSS RATE: The contractual rate of interest payable before deduction of income tax at the rate specified by law.
**AER - AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advert for a savings product will contain an AER - Annual Equivalent Rate - you can compare more easily what return you can expect from your savings over time.
†EAR: Equivalent Annual Rate excluding any changes which may be applicable
A monthly fee of £9 will apply.
If your account goes over its limit you have until 3.30pm (UK time) to pay in money to avoid Returned Item Fees and ensure the payment goes out, but but you have until midnight to avoid any overdraft fees and interest.
The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Internet Banking or Telephone Banking or pay in cash over the counter in branch.
We will charge you the following fees for all overdrafts, whether Planned Overdrafts or Unplanned Overdrafts:
We will not charge you any other fees for a Planned Overdraft but you will normally be charged interest on the amount borrowed.
If we agree to your request for an Unplanned Overdraft, we will charge you the following fees:
Where you do not have enough available money to make a payment and we do not agree to give you or extend an Unplanned Overdraft, you will not be able to make that payment.
We will write to tell you we have declined your request. We will charge you the following fee:
* Please note the information in this section applies to customers with sterling accounts only. Please contact us if you have a Euro account or US dollar account.
** An administration charge may be made for excessive requests.
We’ll be happy to respond when you ask us for help with managing your day-to-day banking – at no charge.
But, if we have to spend a significant amount of time on a specific area, then, like professional advisers, we may charge a fee. If this seems likely, we will agree it with you before you are committed.
General Terms and Conditions PDF
Account Terms and Conditions PDF
Travel Insurance Terms and Conditions
Island Gold Account Benefits
There is no minimum opening balance for the Islands Gold Account.
There is a monthly fee of £9 for the Island Gold Account. For this fee you get a range of rewarding benefits such as multi trip worldwide family travel cover including, if eligible, your spouse, civil partner or partner and children.
That's completely down to you. There's no limit on how much you can hold in your account.
The Island Gold Account is available in Sterling only.
You can access your money whenever you need to either in branch, over the phone using PhoneBank or Internet Banking. If you're withdrawing cash from an ATM, there is, however, a daily limit.
For Jersey residents please call 01534 845155, Isle of Man residents 01624 638279, Guernsey residents 01481 706347 or Alderney residents 01481 822340.
* Travel insurance, breakdown cover, and Card Loss Assistance come with individual terms and conditions and limitations.
Visit us in branch to open an account.
If you are a new customer, make sure you bring ID such as your original passport or driving licence, as well as proof of your address.
Find a branch
Lines are open 24 hours a day, 365 days a year.
To ensure security for our customers and staff and to help maintain service quality, some calls may be recorded and monitored.
© Copyright 2015 Lloyds Bank International
Our products and services are offered by Lloyds Bank International Limited & Lloyds Investment Fund Managers Limited. See company Information. Whilst our services will be available to many customers, there are countries where, due to legal or regulatory restraints, we cannot provide them.
Rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of depositors and investors, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the Lloyds Banking Group carried out from offices outside of the United Kingdom.
Lloyds Bank International Limited. Registered office and principal place of business: P.O. Box 160, 25 New Street, St. Helier, Jersey JE4 8RG. Lloyds Bank International Limited is incorporated in Jersey No. 4029 and is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and investment and general insurance mediation business under the Financial Services (Jersey) Law 1998. Lloyds Bank International Limited subscribes to the Jersey Code of Practice for Consumer Lending and has also notified the Jersey Financial Services Commission that it carries on money service business.
The Guernsey branch of Lloyds Bank International Limited, principal place of business PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, is licensed by the Guernsey Financial Services Commission to take deposits and to carry on controlled investment business and insurance intermediary business under The Banking Supervision (Bailiwick of Guernsey) Law, 1994, The Protection of Investors (Bailiwick of Guernsey) Law, 1987 (as amended) and The Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.
The Isle of Man branch of Lloyds Bank International Limited of PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business and is also registered as an insurance intermediary in respect of general business.
Lloyds Bank International Limited is a Jersey registered company that is a wholly owned subsidiary of Lloyds Bank plc. Lloyds Bank plc is incorporated in the United Kingdom, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278, and is part of the Lloyds Banking Group. Lloyds Bank International Limited places funds with Lloyds Bank plc and thus its financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Lloyds Bank International Limited and its parent based upon publicly available information. Download Lloyds Bank International Limited’s latest annual financial statements at http://international.lloydsbank.com/legal-information/
Lloyds Investment Fund Managers Limited. Registered office: PO Box 160, 25 New Street, St Helier, Jersey JE4 8RG. Authorised by the Jersey Financial Services Commission under the Collective Investment Funds (Jersey) Law 1988.