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LLOYDS TSB GOLD ACCOUNT
Lloyds TSB Gold Account (Current Account)
        
Lloyds TSB Gold Account allows you to enjoy a range of features and benefits all for just £12 a month. The benefits include Worldwide and UK travel insurance, AA breakdown cover, Mobile Phone Insurance. These saving benefits are worth up to £420 a year.
Location: UK
Account Name: Gold Account
Advantages:
1. Worldwide and UK Travel Insurance* - 5 star Defaqto† rated cover for you and your partner for up to 31 days per trip.
2. Mobile Phone Insurance - worldwide cover for loss, theft, breakdown, accidental damage and unauthorised calls.
3. AA Breakdown Cover - roadside assistance whether you're in your own car or someone else's.
4. Save My NumbersTM  - store all your important phone numbers and contact details securely.
5. Get up to 4.00% AER variable (3.93% Gross) interest paid monthly for balances up to £7,000 on your Gold Account by adding vantage to your account.
6. £100 interest-free planned overdraft**. (Subject to application and approval).
7. £10 overdraft buffer. No overdraft fees or interest to pay if you go overdrawn (either Planned or Unplanned) by £10 or less. This £10 buffer is in addition to the interest and fee-free overdraft as part of your Gold Account.
8. BT Fee 3%, 50% refund makes this equivalent to 1.5% on Balance Transfers totalling £1500 or more made on or before 30th October 2011. Terms and Conditions apply.
8. Grace period if you go over your limit. You have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile 9. Banking, Internet Banking or Telephone Banking or pay in cash over the counter in branch.
10. Switching to us is easy - we'll help move your salary, direct debits and standing orders so joining us is as easy as possible.
11. Sentinel® Card Protection - convenient cover for your credit, debit and store cards. One policy covers everyone in your household.
12. The Lloyds TSB Airmiles Travel Service upgrade - collect Airmiles or enjoy a 6.5% discount.
13. A VISA debit card you can use in over 500,000 places in the UK and 18 million outlets worldwide.
Disadvantages:
1. The interest rate depends how much money is in your account.
Services:
1.Up to £100 interest and fee free planned overdraft subject to application and approval.
2. BT Fee 3%, 50% refund makes this equivalent to 1.5% on Balance Transfers totalling £1500 or more made on or before 30th October 2011. Terms and Conditions apply.

Interest AER: 0.10% - 4.00%Interest Gross: 0.10% - 3.93%
Interest Paid: MonthlyMinimum Income: £0.00
Overdraft Rate: 19.3% EAR
Banking Charges: When you use your debit card abroad.
Service Charges: £7.95 (2 months) £12.00
Account Access: Online, Branch, Tel, Post
Withdrawal Access: Online, Branch, ATM

Free Banking: NoDebit Card: Yes
Cheque Guarantee Card: YesStanding Orders: Yes
Direct Debits: YesOverdraft Facility: Yes
Account Manager: No

Conditions:
You must be at least 18 years old.
Features:
PhoneBank® and Internet Banking.
Introductions and Offers:
Get Gold Account for £7.95 a month for the first two full months, £12 a month after that.
Terms and Conditions:
You’ll have until 3:30pm (UK time) to pay in enough money to avoid any overdraft fees you may incur on that day.
        

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