Lloyds Bank: Classic Account

Provider:
Lloyds Bank
Account:Classic Account
Account ratings
Account ratings
Online service - 4.32
Call centre service - 3.89
Branch service - 4.19
Trustworthiness - 4.19
Opening the account
Minimum Income £0
Minimum Age 18 years
Maximum Age -
Existing customers only -
Area restrictions There are no area restrictions.
Overdrafts and charges
Monthly Charge -
Overdraft facilities
Automatic overdraft facility £0
Interest Free Overdraft Limit £25
Authorised overdraft rate 19.89% APR/EAR
Unauthorised overdraft rate 19.89% APR/EAR
Overdraft related charges Paid item max fee - £0
Paid item max no - 0
Unpaid item max fee - £0
Unpaid item max no - 3
Stepped cheque charge - £10
Overseas charges (Europe only) Forex fee - 2.99%
Charge for £100 ATM withdrawal - £2
Charge for £100 debit card transaction - £1
Account charges ATM withdrawal - £0
Transactions - £0
Bankers draft - £20
Special clearance - £10
CHAPS - £30
Duplicate statement - £5
Interest rates and other incentives
Headline interest rate 0% AER
Rate tiers
Gross Rate Excluding BonusGross Rate Including BonusAER
£10.00%0.00%0.00%
Maximum balance for interest -
Minimum initial deposit £0
Minimum Monthly Credit £0
Interest paid na
Incentives Annual travel insurance -
Breakdown insurance -
Discount vouchers -
Savings sweep -
Other Insurance - no
Service information
Free banking
Account access Telephone
Branch
Internet
Post office
Services available Standing order
Direct debit
Bill payment
Round-up savings
Text alerts
Text mini statements
ATM mini statements
Cards / cheques provided Debit card
ATM card
Passbook
Maximum ATM withdrawal £500
Time for cheque to clear 4 days
Statement frequency monthly