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Statement number 175

Issue date 24 December 2024
MISS S BANU Write to us at Box 3 BX1 1LT
MR R AHMED Call us on 0345 300 0000
282 TOLLADINE ROAD Visit us online [Link]
WORCESTER
WORCESTERSHIRE
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jQAxJ7oUiyXtfhLhgc Your Branch WORCESTER (309990)
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WR4 9BB ZK7oUmBYAyPctv2HUi

kUXRkDhjrxH9unFRop Sort Code 30-99-90
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Account Number 52944260
IBAN GB32 LOYD 3099 9052 9442 60
BIC LOYDGB21126

PLATINUM 27 November 2024 to 24 December 2024

Your Account Arranged Overdraft limit £250

Date of previous statement 26 November 2024 Type of Fee Quantity Total
Monthly maintaining the account fee 1 £22.50
Balance on 27 Nov 2024 £527.56 (excluding any Club Lloyds fee)
Money in £170.20 Total fees 1 £22.50
Money out £811.33 The fees detailed above have been paid during this statement period.

Balance on 24 Dec 2024 The fees paid in this statement period are highlighted in the 'Fees Explained'
£113.57 OD section and on the reverse.
Arranged overdraft interest £0.83
You should review your account regularly to check whether it
remains appropriate for your circumstances.

Your Interest Rates Fees Explained

Club Lloyds Account Holders – The Club Lloyds maintaining the

Amount of Arranged Overdraft Arranged Overdraft account fee will not feature in the Type of Fee table above, but
£0.00+ 0.000% per day (0.0% EAR* variable) will be shown in the transactions overleaf as ‘'Club Lloyds fee’. If
you are eligible to have this Maintaining the account fee waived,
£51.00+ 0.111% per day (49.9% EAR* variable) you will also see a transaction described as ‘'Club Lloyds waived’.
This does not apply to non-Club Lloyds customers.
We apply the daily interest rate shown above to your arranged overdraft balance at the end of the day
Monthly maintaining the account fee - This is £22.50 and is the
*EAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged
over the year based on how often and how much you are overdrawn by, and the effect of compounding it - fee we charge you for your Added Value Account where you get a
charging interest on interest already charged. This interest rate does not include any other fees and charges. range of benefits with your account.
Other services - There are fees for other services you have asked
for. You can find more details in your account conditions or at
[Link].

Turn over for more information on managing overdrafts '

Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.
Things you need to know
Getting in touch

J Write to us: Lloyds Bank,

PO Box 1, BX1 1LT Q Visit us in branch K Go online:
[Link]/contactus f Call: 0345 300 0000
8am-8pm, 7 days a week

Ways to manage your account About our debit card fees

Keep track of what's going in and coming out of your account at any time using: We won't charge our debit card fees if you use a Silver, Gold, Platinum, Premier or
• Internet Banking – View and manage your accounts online - 24 hours a day, 7 Private Banking Current account debit card. We also won't charge these fees if you
days a week. Register at [Link]/internetbanking add Travel Smart to any other current account for £7 a week, allowing you to use
• Mobile Banking – Manage your account on the go with your mobile phone or the debit card abroad as often as you like in your selected weeks. Terms and
tablet - 24 hours a day, 7 days a week. Download our app from Google Play or conditions apply.
the App Store. If you use your personal debit or Cashpoint® card to make a payment or withdraw
• Telephone Banking – Our automated service is available 24/7, or you can talk cash in a currency other than pounds, or withdraw cash in pounds outside the UK
to us between 8am and 8pm, 7 days a week. Not all services are available 24 then, unless you've asked the cash machine or card terminal provider to do the
hours a day, 7 days a week. currency conversion, we will charge you a foreign currency transaction fee of
• Text Alerts – We can also send you mobile alerts. Alerts can help you manage 2.99% of the value in pounds of the transaction for currency conversion. The
your money and avoid charges. They remind you when you need to pay cleared amount is converted to pounds on the day it's processed by Visa using the Visa
funds into your account. They can also help you avoid going into an Payment Scheme exchange rate that day. You can check the payment scheme
unarranged overdraft or having payments refused. Unless you’ve opted out, exchange rate for your card online at :
you’ll automatically receive alerts provided we have an up to date mobile [Link]/travel/using-debit-credit-cards-abroad
number for you. Find out more at [Link]/mobilealerts If you use your debit card or Cashpoint® card to withdraw cash outside the UK (at
a cash machine or over the counter) or in a foreign currency at an ATM in the UK
Overdrafts - choosing the right way to borrow
we will also charge a foreign currency cash fee of £1.50 for each withdrawal. If
An arranged overdraft can help out when you need to borrow in the short term. For
the cash machine operator/financial service provider makes the conversion to
example to pay an unexpected bill. But if you use it often and don’t reduce your
pounds, and you use the card to withdraw cash outside the UK (at a cash machine
balance, it can turn into an expensive way to borrow. Our cost calculator, which you
or over the counter) we will only charge a foreign cash fee of £1.50. The provider
can find online at [Link]/overdrafts, tells you how much an arranged
of the foreign currency may make a separate charge for conversion.
overdraft costs. You should consider if an arranged overdraft facility is the most
suitable option for you to borrow money. If you need to borrow money for a longer We won't charge a foreign currency cash fee or a foreign cash fee if you withdraw
time, there may be other options better suited to your needs. For more information Euro within the EEA or UK, or if the cash machine operator/financial service
visit [Link]/borrow or call us to talk through your options. provider makes the conversion to pounds, and use your debit card or your
Cashpoint® card to withdraw cash in a foreign currency in the UK (at a cash
Check if your account is still right for you machine or over the counter).
Your account comes with a range of benefits and insurance cover, which you pay a
monthly maintaining the account fee for. You’ll find information about your cover, Where you use your debit card to make a purchase in a currency other than
including contact details of the insurance provider(s), in the booklet provided to pounds, we'll also charge a £0.50 foreign currency purchase fee for each
you when you opened your account. If you need a new copy call us, or visit us in payment. We won't charge this fee if your payment's made in Euro within the EEA
branch. It’s also a good idea to regularly check the account and cover provided is or UK, or where the retailer based outside the UK gives you the option to pay in
still right for you by visiting [Link]/currentaccounts to see our latest pounds. If you choose to do this we won't apply any charges but the retailer might.
current accounts. Cashpoint® is a registered trademark of Lloyds Bank plc.
Our interest rates Keeping your data safe
If we pay interest on your balance, your current interest rate is shown on the front of We promise to keep your personal information safe and only use in the way you’ve
this statement. To find out what the interest rates are on our other accounts, visit asked. See our privacy notice at [Link]/privacy or call us for a copy on
[Link]/current-accounts/rates. Alternatively ask us in branch. 0345 602 1997.

We’re here for you if something isn’t right

JProtecting yourself from fraud We want to make sure you’re happy with the products and service we offer. But if
something goes wrong, let us know and we’ll do everything we can to put things
• Check your statements regularly - If something doesn’t look right or you right. If you’re still not happy, you can ask the Financial Ombudsman Service to look
spot a transaction on your statement you didn’t make, call us straight away at your concerns, for free.
on 0800 917 7017 or +44 207 4812614 if outside the UK. We may not be
able to refund a payment on some types of account if you tell us more than The Financial Services Compensation Scheme (FSCS)
13 months after the date it happened. The deposits you hold with us are covered by the Financial
• Keep your statements in a safe place - If you want to throw them away, you Services Compensation Scheme (FSCS). Every year we’ll
should do it in a secure way, like shredding them – please don’t just put them send you an information sheet which tells you the types of
in the bin. deposits covered and the protection offered by the FSCS.
For more information visit [Link]
• Helping you stay protected - We’ll do all we can to help you avoid fraud. Visit
[Link]/security for ways to protect yourself and information on We send statements and other communications from time to time for legal
the latest scams. reasons or to let you know about changes to your accounts or services.
• If your card, cheque book or PIN is lost or stolen - Call us straight away on When you call us your call may be monitored or recorded in case we need to check
0800 096 9779 or +44 1702 278 270 if outside the UK – lines are open we have carried out your instructions correctly and to help improve our quality of
24/7. service.
• The freeze card feature in our Mobile Banking app lets you quickly freeze and
unfreeze different types of transaction on your cards whenever you need to.
Find out more at
[Link]/help-guidance/customer-support/lost-or-stolen-cards

If your vision is impaired – please contact us for an alternative

format such as large print, Braille or audio CD.
You can call us using Relay UK if you have a hearing or speech impairment. There's more information on the Relay UK help pages
[Link]. If you need support due to a disability please get in touch. SignVideo services are also available if you're Deaf and use British
Sign Language at [Link]/signvideo
Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065 Lloyds Bank plc is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278
Statement No. 175 Sort Code 30-99-90
24 December 2024 Account Number 52944260
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PLATINUM

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
26 Nov 24 STATEMENT OPENING BALANCE 527.56
02 Dec 24 FEE ACCOUNT FEE 22.50 505.06
03 Dec 24 BGC HMRC CHILD BENEFIT 42.55 547.61
10 Dec 24 BGC HMRC CHILD BENEFIT 42.55 590.16
12 Dec 24 DEB AMAZON MKTPL*ZR0JC CD 0243 62.33 527.83
16 Dec 24 DEB [Link]/BILL CD 0243 14DEC24 0.99 526.84
16 Dec 24 DEB AMAZON MKTPL*ZX6HI CD 0243 14DEC24 124.68 402.16
17 Dec 24 BGC HMRC CHILD BENEFIT 42.55 444.71
17 Dec 24 FPO FARAH BANU ABAAYAS 17DEC24 06:12 600.00 155.29 OD
17 Dec 24 CHG DAILY OD INT 0.11 155.40 OD
18 Dec 24 CHG DAILY OD INT 0.11 155.51 OD
19 Dec 24 CHG DAILY OD INT 0.11 155.62 OD
20 Dec 24 CHG DAILY OD INT 0.11 155.73 OD
23 Dec 24 CHG DAILY OD INT 21/12 0.11 155.84 OD
23 Dec 24 CHG DAILY OD INT 22/12 0.11 155.95 OD
23 Dec 24 CHG DAILY OD INT 0.11 156.06 OD
24 Dec 24 BGC HMRC CHILD BENEFIT 42.55 113.51 OD
24 Dec 24 CHG DAILY OD INT 0.06 113.57 OD
24 Dec 24 STATEMENT CLOSING BALANCE 811.33 170.20 113.57 OD
Payment types:
FEE - Fixed Serv Chrg DEB - Debit Card FPO - Faster Payment CHG - Charge
BGC - Bank Giro Credit
Transaction Details
The "Details" column in your statement shows the date that a Debit Card payment has come into or out of your account only if that
happened on a weekend or a Bank Holiday.

Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.