• International Bonus Saver Account

    An instant access savings account which offers an interest bonus for the first 12 months.

    Interested in this account? Request a call back to discuss your options.

    • Available in US Dollars and Euros.
    • Minimum balance $5,000 or €5,000.
    • Get a Euro variable rate of 0.15% Gross*/AER** on balances over €5,000.
    • This rate includes a fixed interest rate bonus of 0.10% AER** for 12 months on balances over €5,000.
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  • Our Bonus Saver Account is a simple, no fuss, instant access savings account. Furthermore we will pay you a fixed interest rate bonus for the first 12 months giving you even more reasons to save.

    Features and benefits

    • Available in US Dollars or Euros.
    • Minimum deposit $5,000 or €5,000.
    • Maximum deposit $5,000,000 or €5,000,000.
    • Interest paid monthly.
    • Instant access to your savings.
    • From 03 July 2013 customers requiring a Sterling instant access saving account with bonus may like to consider our Island Bonus Saver Account.
  • * GROSS RATE – The contractual rate of interest payable before deduction of income tax at the rate specified by law.

    ** AER RATE – AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time.

  • Eligibility

    You must be a personal customer aged 18 years and over. You must be ordinarily resident in the Channel Islands or Isle of Man.

    * GROSS RATE – The contractual rate of interest payable before deduction of income tax at the rate specified by law.

    ** AER RATE – AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time.

  • Euro Bonus Saver Account

    Current interest rates

    Euro 12 months bonus – accounts opened from 20 October 2014#

    Account balance Gross interest rate* AER **
    With bonus Without bonus With bonus Without bonus
    €1+ 0.15 0.05 0.15 0.05
    €5,000+ 0.15 0.05 0.15 0.05

    #Accounts opened from the 20/10/2014 will receive an interest rate bonus of 0.10% for the first 12 months

    US Dollar Bonus Saver Account

    Current interest rates

    US Dollar 12 months bonus – accounts opened from 10th February 2014^

    Account balance Gross interest rate* AER **
    With bonus Without bonus With bonus Without bonus
    US$1+ 0.50 0.20 0.50 0.20
    US$100,000+ 0.70 0.40 0.70 0.40
    US$500,000+ 0.80 0.50 0.80 0.50

    ^Accounts opened from the 10/02/2014 will receive an interest rate bonus of 0.30% for the first 12 months

    * GROSS RATE – The contractual rate of interest payable before deduction of income tax at the rate specified by law.

    ** AER RATE – AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time.

  • Charges & Fees

    Sending Funds*

    International moneymover service* Through Currency Internet Banking Free
    Through International PhoneBank, in branch, or in writing Free
    Through Standing Order Free
    To your other accounts held with Lloyds Banking Group Free
    International drafts £15 (plus registration fee if posted)
    Electronic Funds Transfer (CHAPS payments within the British Isles) £30
    Cash withdrawals and deposits into the US Dollar Account and/or Euro Account 2% on the Sterling equivalent of each currency, minimum £3 per currency and £10 administration fee

    These accounts are not designed to be used for receipt of notes or coins. If you need this service, please contact your International Banking Team.
    Recalling a payment £20 per payment

    We cannot guarantee the cancellation as funds may already have been paid to the beneficiary. You could receive less than the original amount of the payment, due to adverse exchange rate movements

    * Recipient and Corresponding Banks abroad may charge a fee for receiving payments.

    Receiving Funds.

    Electronic bank transfer from another financial institution Any amount Free
    Cheque Collections Cheques up to £100 £5
    Cheques of £100 and above 25p per £100 (min £15, max £80 per cheque)
    Cheque negotiation to Sterling account* Cheques up to £100 £5
    Cheques of £100 and above 25p per £100 (min £8, max £80 per cheque)
    Cheques in a foreign currency drawn in a different country (not UK)
    e.g. US Dollars drawn in France
    As above, but minimum £10 per cheque.
    Cheque negotiation to currency account* Cheques in the same currency as the account £2 per cheque
    Cheques requiring currency conversion £4 per cheque

    * The correspondent bank may also levy a charge based on the value of the cheque.

    Other Standard Services.

    Supplying copies of previous bank statements. £5 per request.
    An administration charge may be made for excessive requests.

    * GROSS RATE – The contractual rate of interest payable before deduction of income tax at the rate specified by law.

    ** AER RATE – AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time.

  • Terms and Conditions

    General Terms and Conditions PDF

    Account Terms and Conditions PDF 

    * GROSS RATE – The contractual rate of interest payable before deduction of income tax at the rate specified by law.

    ** AER RATE – AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time.

  • What currencies is the International Bonus Saver Account available in?

    You can save in US Dollars, Euros and Sterling

    (From 03 July 2013 customers requiring a Sterling instant access saving account may like to consider our Island Bonus Saver Account).

    Is there a charge notice period for withdrawing money?

    No, you can withdraw your money from an International Bonus Saver Account at any time.

    What is the maximum deposit allowance?

    You can deposit up to €/$/£ 5 million.

    Can I open more than one International Bonus Saver Account?

    You can open more than one single or joint International Bonus Saver Account for each currency. However, the maximum deposit per currency is €5,000,000/US$5,000,000/£5,000,000 across accounts.

    Is the interest rate variable or fixed?

    The interest rate is variable and depends on the balance you hold: it is tiered. On top of the variable rate you will also receive a fixed interest rate bonus for the first 12 months. For more information on interest rates, see International Bonus Saver Account interest rates.

    What is a tiered interest rate?

    When the interest rate is tiered, the more you deposit, the more interest you earn up to the maximum deposit allowance.

    What interest rate do I get once the bonus runs out?

    The bonus will expire 12 months after the account is opened. The interest rate will revert to the relevant non bonus interest rate applicable at that time. For detailed interest rates, see our International Bonus Saver Account Interest rates.

    How long do I get the interest rate bonus for?

    The interest rate bonus applies for the first 12 months from opening the account.

    How can I access my money with an International Bonus Saver Account?

    You can request a transfer to another bank account by telephone or online.

    How can I pay money into an International Bonus Saver Account?

    We will provide you with a sort code and account number (IBAN and BIC for transfers from banks outside the UK) to enable you to deposit money.

    You can also pay in cheques but our standard charges will apply.

    Who can I speak to if I need extra information?

    For Jersey residents please call 01534 845155, Isle of Man residents 01624 638279, Guernsey residents 01481 706347 or Alderney residents 01481 822340.

  • * GROSS RATE – The contractual rate of interest payable before deduction of income tax at the rate specified by law.

    ** AER RATE – AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if it was paid and compounded once each year. As every advertisement for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time.

  • How to apply:

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    Visit us in branch

    You can speed things up by downloading and completing our application form

    • Complete the form (optional, 10 minutes)
    • Bring it to a branch
    • Make sure you bring ID (driving licence, passport)

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    Call us

    • 01534 845155  Jersey
    • 01481 706347  Guernsey
    • 01624 638279  Isle of Man
    • 01481 822340  Alderney

    Lines are open 9am to 5pm excluding bank holidays. Telephone calls may be recorded and monitored.

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