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LLOYDS TSB PLATINUM ACCOUNT
Lloyds TSB Platinum Account (Current Account)
        
The Lloyds Platinum Account provides you with a variety of money saving benefits including Worldwide and UK Travel Insurance, AA breakdown Cover and mobile Phone Insurance. There is a £17 monthly fee associated with this account.
Location: UK
Account Name: Platinum Account
Advantages:
1. Worldwide and UK Travel Insurance* - 5 star Defaqto† rated protection for up to 45 days per trip. Choose from Family or Winter sports cover.
2. AA Breakdown Cover - including Roadside Assistance, Relay and Home Start,
3. Mobile Phone Insurance - for loss, theft, accidental damage and unauthorised calls.
4. Save My NumbersTM  - store all your important phone numbers and contact details securely.
5. Choose from Airport Lounge Access or Airport Meet and Greet service upgrade - for a relaxing start to your holiday.
6. Get up to 4.00% AER variable (3.93% Gross) interest paid monthly for balances up to £7,000 on your Platinum account by adding vantage to your account.
7. £250 interest and fee-free planned overdraft** (subject to application and approval).
8. £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 Platinum Account.
9. 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 10. Banking, Internet Banking or Telephone Banking or pay in cash over the counter in branch.
10. 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.
Disadvantages:
1. Different fees are taken from your account at different times.
2. £17 monthly fee
Services:
1.An account that gives you everyday banking plus a range of benefits
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: £17.00
Account Access: Online, Tel, Branch, Post
Withdrawal Access: Online, ATM

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

Conditions:
Must be over the age of 18 to apply.
Features:
£250 interest and fee-free planned overdraft (subject to application and approval).
Introductions and Offers:
£12 a month for the first two full months, £17 a month after that.
Terms and Conditions:
You have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day.
        

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