Other Account Important Information

From 2 October 2012 the Monthly Overdraft Usage Fee is increasing from £5 to £6, for the following accounts:

• Graduate Account
• Student Account
• Service Account
• Budget Account
• Cheque Account
• Cash Account - We're also increasing the number of cash machines you can use. As well as using Lloyds TSB cash machines, you can use Halifax and Bank of Scotland ones too. And because our systems have already been upgraded, you can start using them today.

This fee is payable once in any monthly billing period if you use an Unplanned Overdraft or if you use a Planned Overdraft beyond any interest and fee free amount. A Planned Overdraft is not available on some accounts. Unplanned Overdraft charges vary depending upon the account type. Please refer to our Banking Charges Guide for more information.

Representative Example
If you use a Planned Overdraft with an interest and fee-free limit of £500 on our Student Account, the overdraft interest rate we will charge will be 0% EAR* variable and a Monthly Overdraft Usage Fee will not apply.

Islamic Account
As a customer with an Islamic Account, an Unplanned Overdraft isn't something we'd normally give you. However, should we ever need to, the Monthly Management Fee will increase from £5 to £6 per monthly billing period. Your account will remain Shariah compliant.

Buying foreign currency

From 2 October 2012 you'll no longer be charged by us for using your Lloyds TSB Visa Debit Card to buy foreign currency from other UK providers.

Your Banking Relationship with us
We're changing some of our Personal Banking terms and conditions. For more information, please read the Lloyds TSB Personal Banking terms and conditions (effective 2 October 2012).

Read the Account Changes Booklet for full details of all the changes and the dates they apply.

For changes to our Internet Banking terms and conditions effective from 2 October 2012, please read the Internet Banking terms and conditions (effective 2 October 2012).