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Statement number 47
Issue date 9 August 2024
MISS S ADJEI Write to us at Box 3 BX1 1LT
8 LAMBOURN CLOSE Call us on 0345 300 0000
LADY MARGARET ROAD
Visit us online www.lloydsbank.com
LONDON
NW5 2NL
yPVPYYyRvZwVRXyRZT
jQAnb4oWiohta4p4Ec
uPfcNxPG6n5vWxmuC4
Your Branch LEWISHAM (309089)
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uNj2kBPbVyVak2K:Yx
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Sort Code 30-90-89
Account Number 65286960
IBAN GB70 LOYD 3090 8965 2869 60
BIC LOYDGB21256

CLASSIC 12 July 2024 to 09 August 2024

Your Account

Date of previous statement 11 July 2024

Balance on 12 Jul 2024 £590.47
Money in £43.20
Money out £585.77
Balance on 09 Aug 2024 £47.90
Arranged overdraft interest £0.00
You should review your account regularly to check whether it
remains appropriate for your circumstances.

Fees Explained

Club Lloyds Account Holders – The Club Lloyds maintaining the account fee will be shown in the transactions overleaf as ‘'Club Lloyds fee’. If you are eligible to have
this Maintaining the account fee waived, you will also see a transaction described as ‘'Club Lloyds waived’. This does not apply to non-Club Lloyds customers.
Other services - There are fees for other services you have asked for. You can find more details in your account conditions or at www.lloydsbank.com.

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:
lloydsbank.com/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 or Premier
• Internet Banking – View and manage your accounts online - 24 hours a day, 7 Current account debit card. We also won't charge these fees if you add Travel
days a week. Register at lloydsbank.com/internetbanking Smart to any other current account for £7 a week, allowing you to use the debit
• Mobile Banking – Manage your account on the go with your mobile phone or card abroad as often as you like in your selected weeks. Terms and conditions
tablet - 24 hours a day, 7 days a week. Download our app from Google Play or 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. For the exchange rate call 0345 300
unarranged overdraft or having payments refused. Unless you’ve opted out, 0000 (+44 1733 347 007 from overseas). For Channel Islands or Isle of Man
you’ll automatically receive alerts provided we have an up to date mobile accounts, call 0345 744 9900 (+44 1539 736626 from overseas). If you call
number for you. Find out more at lloydsbank.com/mobilealerts before the transaction is processed the rate provided will be an indication only.
Find out more on our website about the exchange rates to help you compare them
Overdrafts - choosing the right way to borrow with other card issuers' rates.
An arranged overdraft can help out when you need to borrow in the short term. For
example to pay an unexpected bill. But if you use it often and don’t reduce your If you use your debit card or Cashpoint® card to withdraw cash outside the UK (at
balance, it can turn into an expensive way to borrow. Our cost calculator, which you a cash machine or over the counter) or in a foreign currency at an ATM in the UK
can find online at lloydsbank.com/overdrafts, tells you how much an arranged we will also charge a foreign currency cash fee of £1.50 for each withdrawal. If
overdraft costs. You should consider if an arranged overdraft facility is the most the cash machine operator/financial service provider makes the conversion to
suitable option for you to borrow money. If you need to borrow money for a longer pounds, and you use the card to withdraw cash outside the UK (at a cash machine
time, there may be other options better suited to your needs. For more information or over the counter) we will only charge a foreign cash fee of £1.50. The provider
visit lloydsbank.com/borrow or call us to talk through your options. of the foreign currency may make a separate charge for conversion.
We won't charge a foreign currency cash fee or a foreign cash fee if you withdraw
Check if your account is still right for you
Euro within the EEA or UK, or if the cash machine operator/financial service
Your banking needs can change over time so it’s important to check your account is provider makes the conversion to pounds, and use your debit card or your
still right for you by visiting lloydsbank.com/currentaccounts to see our latest Cashpoint® card to withdraw cash in a foreign currency in the UK (at a cash
current accounts. machine or over the counter).
Our interest rates Where you use your debit card to make a purchase in a currency other than
If we pay interest on your balance, your current interest rate is shown on the front of pounds, we'll also charge a £0.50 foreign currency purchase fee for each
this statement. To find out what the interest rates are on our other accounts, visit payment. We won't charge this fee if your payment's made in Euro within the EEA
lloydsbank.com/current-accounts/rates. Alternatively ask us in branch. or UK, or where the retailer based outside the UK gives you the option to pay in
pounds. If you choose to do this we won't apply any charges but the retailer might.
Cashpoint® is a registered trademark of Lloyds Bank plc.
JProtecting yourself from fraud
Keeping your data safe
• Check your statements regularly - If something doesn’t look right or you
spot a transaction on your statement you didn’t make, call us straight away We promise to keep your personal information safe and only use in the way you’ve
on 0800 917 7017 or +44 207 4812614 if outside the UK. We may not be asked. See our privacy notice at lloydsbank.com/privacy or call us for a copy on
able to refund a payment on some types of account if you tell us more than 0345 602 1997.
13 months after the date it happened.
We’re here for you if something isn’t right
• Keep your statements in a safe place - If you want to throw them away, you
We want to make sure you’re happy with the products and service we offer. But if
should do it in a secure way, like shredding them – please don’t just put them
something goes wrong, let us know and we’ll do everything we can to put things
in the bin.
right. If you’re still not happy, you can ask the Financial Ombudsman Service to look
• Helping you stay protected - We’ll do all we can to help you avoid fraud. Visit at your concerns, for free.
lloydsbank.com/security for ways to protect yourself and information on
the latest scams. The Financial Services Compensation Scheme (FSCS)
• If your card, cheque book or PIN is lost or stolen - Call us straight away on The deposits you hold with us are covered by the Financial
0800 096 9779 or +44 1702 278 270 if outside the UK – lines are open Services Compensation Scheme (FSCS). Every year we’ll
24/7. send you an information sheet which tells you the types of
• The freeze card feature in our Mobile Banking app lets you quickly freeze and deposits covered and the protection offered by the FSCS.
unfreeze different types of transaction on your cards whenever you need to. For more information visit FSCS.org.uk
Find out more at We send statements and other communications from time to time for legal
reasons or to let you know about changes to your accounts or services.
When you call us your call may be monitored or recorded in case we need to check
we have carried out your instructions correctly and to help improve our quality of
service.

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
www.relayuk.bt.com. 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 lloydsbank.com/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
Statement No. 47 Sort Code 30-90-89
09 August 2024 Account Number 65286960
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CLASSIC

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
11 Jul 24 STATEMENT OPENING BALANCE 590.47
12 Jul 24 DEB LUL TICKET MACHINE CD 7256 5.00 585.47
12 Jul 24 DEB STARBUCKS CD 7256 5.75 579.72
12 Jul 24 DEB ZETTLE_*PIZAZA HEN CD 7256 15.90 563.82
15 Jul 24 CPT LOYD LOYD CAMDEN H CD 7256 13JUL24 10.00 553.82
15 Jul 24 DEB LUL TICKET MACHINE CD 7256 13JUL24 5.00 548.82
15 Jul 24 DEB LENA S CAFE CD 7256 13JUL24 11.50 537.32
15 Jul 24 DEB KILBURN HIGH ROAD CD 7256 14JUL24 3.05 534.27
15 Jul 24 DEB ADIA INTERNET CAFE CD 7256 14JUL24 9.40 524.87
15 Jul 24 DEB CREAMS CD 7256 14JUL24 11.20 513.67
15 Jul 24 DEB CO-OP GROUP FOOD CD 7256 17.56 496.11
16 Jul 24 DEB MAIL BOXES ETC KEN CD 7256 1.80 494.31
16 Jul 24 DEB MAIL BOXES ETC KEN CD 7256 2.25 492.06
18 Jul 24 DEB Quick Stop Food an CD 7256 1.69 490.37
18 Jul 24 DEB TUFNELL PARK FOOD CD 7256 2.50 487.87
18 Jul 24 DEB LUL TICKET MACHINE CD 7256 5.00 482.87
18 Jul 24 DEB LUL TICKET MACHINE CD 7256 5.00 477.87
18 Jul 24 DEB SEVEN SISTERS SHUK CD 7256 9.00 468.87
18 Jul 24 DEB LUL TICKET MACHINE CD 7256 10.00 458.87
18 Jul 24 CPT LNK TESCO HLSDN ME CD 7256 18JUL24 20.00 438.87
18 Jul 24 CPT LNK NOTEMACHINE CD 7256 18JUL24 250.00 188.87
18 Jul 24 CPT LNK NOTEMACHINE CD 7256 18JUL24 140.00 48.87
19 Jul 24 DEB Junction Local CD 7256 1.69 47.18
19 Jul 24 DEB FAICAL WORLD CD 7256 1.90 45.28
19 Jul 24 DEB FAICAL WORLD CD 7256 1.90 43.38
19 Jul 24 DEB PAK'S SUPERMARKET CD 7256 2.99 40.39
19 Jul 24 DEB LONDON OVERGROUND CD 7256 5.00 35.39
19 Jul 24 DEB LUL TICKET MACHINE CD 7256 5.00 30.39
19 Jul 24 DEB SQ *RHEMA WINNERS CD 7256 10.00 20.39
19 Jul 24 DEB Makola Market CD 7256 15.69 4.70
31 Jul 24 BGC HMRC PAYE 43.20 47.90
09 Aug 24 STATEMENT CLOSING BALANCE 585.77 43.20 47.90
Payment types:
DEB - Debit Card CPT - Cashpoint 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.

 FINANCIAL SERVICES COMPENSATION SCHEME INFORMATION SHEET

Basic information about the protection of your eligible deposits

Eligible deposits in Lloyds Bank plc are protected by: The Financial Services Compensation Scheme ("FSCS") 1
Limit of protection: £85,000 per depositor per bank.2 The following trading names are part of your bank: Lloyds Bank, Mayfair
Private Banking, Lloyds Bank Private Banking, Lloyds Bank 360, MBNA and Scottish Widows Bank. Some
savings accounts under the Charities Aid Foundation brand name are also deposits with Lloyds Bank plc.
If you have more eligible deposits at the same bank: All your eligible deposits at the same bank are "aggregated" and the total is subject to the limit of £85,000 2
If you have a joint account with other person(s): The limit of £85,000 applies to each depositor separately 3
Reimbursement period in case of bank's failure: 20 working days 4
Currency of Reimbursement: Pound sterling (GBP, £)
To contact Lloyds Bank plc for enquiries relating to You can visit one of our branches, call us, go online or write to us at: 25 Gresham Street, London, EC2V 7HN
your account:
To contact the FSCS for further information on Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London, EC3A
compensation: 7QU Tel: 0800 678 1100 or 020 7741 4100 Email: ICT@fscs.org.uk
More information: www.fscs.org.uk
Additional Information
1 3
Scheme responsible for the protection of your eligible deposit - Your Limit of protection for joint accounts - In the case of joint accounts, the
eligible deposit is covered by a statutory Deposit Guarantee Scheme. If limit of £85,000 applies to each depositor. However, eligible deposits in an
insolvency of your bank should occur, your eligible deposits would be repaid account to which two or more persons are entitled as members of a business
up to £85,000 by the Deposit Guarantee Scheme. partnership, association or grouping of a similar nature, without legal
2
General limit of protection - If a covered deposit is unavailable because a personality, are aggregated and treated as if made by a single depositor for
bank is unable to meet its financial obligations, depositors are repaid by a the purpose of calculating the limit of £85,000.
4
Deposit Guarantee Scheme. This repayment covers a maximum of £85,000 Reimbursement - The responsible Deposit Guarantee Scheme is the
per bank. This means that all eligible deposits at the same bank are added up Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St
in order to determine the coverage level. If, for instance a depositor holds a Botolph Street, London, EC3A 7QU, Tel: 0800 678 1100 or 020 7741 4100,
savings account with £80,000 and a current account with £20,000, he or she Email: ICT@fscs.org.uk. It will repay your eligible deposits (up to £85,000)
will only be repaid £85,000. within 20 working days until 31 December 2018; within 15 working days from 1
This method will also be applied if a bank operates under different trading January 2019 until 31 December 2020; within 10 working days from 1 January
names. Lloyds Bank plc also trades under those trading names detailed above. 2021 to 31 December 2023; and within 7 working days from 1 January 2024
This means that all eligible deposits with one or more of these trading names onwards, save where specific exceptions apply.
are in total covered up to £85,000. Where the FSCS cannot make the repayable amount available within 7
In some cases eligible deposits which are categorised as "temporary high working days, it will, from 1 June 2016 until 31 December 2023, ensure that
balances" are protected above £85,000 for six months after the amount has you have access to an appropriate amount of your covered deposits to cover
been credited or from the moment when such eligible deposits become the cost of living (in the case of a depositor which is an individual) or to cover
legally transferable. These are eligible deposits connected with certain events necessary business expenses or operating costs (in the case of a depositor
including: which is not an individual or a large company) within 5 working days of a
a. Certain transactions relating to the depositor's current or prospective only request.
or main residence or dwelling; If you have not been repaid within these deadlines, you should contact the
b. A death, or the depositor's marriage or civil partnership, divorce, Deposit Guarantee Scheme since the time to claim reimbursement may be
retirement, dismissal, redundancy or invalidity; barred after a certain time limit. Further information can be obtained under
c. The payment to the depositor of insurance benefits or compensation for www.fscs.org.uk
criminal injuries or wrongful conviction. Other important information - In general, all retail depositors and
More information can be obtained under www.fscs.org.uk businesses are covered by Deposit Guarantee Schemes. Exceptions for certain
deposits are stated on the website of the responsible Deposit Guarantee
Scheme. Your bank will also inform you of any exclusions from protection
which may apply. If deposits are eligible, the bank shall also confirm this on the
statement of account.
FINANCIAL SERVICES COMPENSATION SCHEME EXCLUSIONS LIST
A deposit is excluded from protection if:
1. The holder and any beneficial owner of the deposit have never been identified in accordance with money laundering requirements. For further information, contact
your bank.
2. The deposit arises out of transactions in connection with which there has been a criminal conviction for money laundering.
3. It is a deposit made by a depositor which is one of the following: credit institution, financial institution, investment firm, insurance undertaking, reinsurance
undertaking, collective investment undertaking, pension or retirement fund1, public authority, other than a small local authority.
4. It is a deposit of a credit union to which the credit union itself is entitled.
5. It is a deposit which can only be proven by a financial instrument 2 (unless it is a savings product which is evidenced by a certificate of deposit made out to a named
person and which existed in the UK, Gibraltar or a Member State of the EU on 2 July 2014).
6. It is a deposit of a collective investment scheme which qualifies as a small company.3
7. It is a deposit of an overseas financial services institution which qualifies as a small company.4
8. It is a deposit of certain regulated firms (investment firms, insurance undertakings and reinsurance undertakings) which qualify as a small business or a small
company 5- refer to the FSCS for further information on this category.
9. It is not held by an establishment of a bank, building society or credit union in the UK or, in the case of a bank or building society incorporated in the UK, it is not held
by an establishment in Gibraltar.
For further information about exclusions, refer to the FSCS website at www.fscs.org.uk
1
Deposits by personal pension schemes, stakeholder pension schemes and occupational pension schemes of micro, small and medium sized enterprises are not
excluded.
2
As listed in Part I of Schedule 2 to the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, read with Part 2 of that Schedule.
3
Under the Companies Act 1985 or Companies Act 2006.
4
See footnote 3.
5
See footnote 3.
 Statement of Fees

MISS S ADJEI
8 LAMBOURN CLOSE
LADY MARGARET ROAD
LONDON
NW5 2NL

Account provider Lloyds Bank plc

Write to us at Box 3 BX1 1LT
Your Branch LEWISHAM (309089)
Call us on 0345 300 0000
Visit us online www.lloydsbank.com
Account CLASSIC
Account identification Sort Code 30-90-89
Account Number 65286960
IBAN GB70 LOYD 3090 8965 2869 60
BIC LOYDGB21256
Period From 27 July 2023 to 25 July 2024
Date 09 August 2024

• This document provides you with an overview of all the fees for services linked to your payment account
during the period shown above.

• It also informs you about any interest you may have paid or earned during this time.

• Information on individual transactions and account balance can be found on your account statements.

Summary of fees and interest

Total fees paid (total package of services fees and total fees paid) £0.00

Total interest paid interest not applicable

Total interest earned interest not applicable

Page 5 of 8
Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.
Detailed statement of fees paid on the account
Service Fee
Number of Number of
Service times the Unit fee times the fee Total
service was charged
was used

General account services

Includes a package of
services consisting of:
Maintaining the account
CLASSIC fee not charged
Payments (excluding cards)
Refusing payment due to fee not charged
lack of funds
Direct debit fee not charged
Standing order fee not charged
Sending money within the
UK
Faster payments fee not charged
CHAPS
27/07/2023 - 22/10/2023 £30.00 £0.00
23/10/2023 - 25/07/2024 £25.00 £0.00
Foreign currency payments in fee not charged
euro
Foreign currency payments £9.50 £0.00
excluding euro
Sending money outside the
UK
Payments in euro fee not charged
Payments in any other £9.50 £0.00
currency
Correspondent Bank Fee £12.00 £0.00
Zone 1 (USA, Canada and
Europe (non-EEA))
Correspondent Bank Fee £20.00 £0.00
Zone 2 (Rest of the World)
Receiving money from
outside the UK
Payments in euro from within fee not charged
the UK or EEA
Payments in any other £2.00 £0.00
currency equal to or less than
£100
Payments in any other £7.00 £0.00
currency over £100
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Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.
 Service Fee
Number of Number of
Service times the Unit fee times the fee Total
service was charged
was used

Payments (excluding cards)

Receiving money from
outside the UK
Payment received via SEPA fee not charged
Credit Transfers
Cards and cash
Cash withdrawal of pounds fee not charged
in the UK
Cash withdrawal of foreign
currency outside the UK
Foreign currency transaction 2.99% £0.00
fee % of the amount
withdrawn
Withdrawal in euro within the fee not charged
EEA
Withdrawal in any currency £1.50 £0.00
(excluding euro within the
EEA)
Debit Card payment in fee not charged
pounds
Debit card payment in a
foreign currency
Travel Smart £7.00 £0.00
Foreign currency transaction 2.99% £0.00
fee % of the amount paid
Payment in euro within the fee not charged
EEA
Payment in a foreign £0.50 £0.00
currency (excluding euro
within the EEA)
Other services
Cancelling a cheque
Lost/stolen cheque fee not charged
Other cheques fee not charged
Duplicate statement
27/07/2023 - 28/11/2023 £5.00 £0.00
29/11/2023 - 25/07/2024 fee not charged
Total fees paid £0.00

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Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.
Detail of interest paid on the account
Interest rate Interest
27/07/2023 - 25/07/2024

Total interest paid interest not applicable

Detail of interest earned on the account

Interest rate Interest
CLASSIC
Total interest earned interest not applicable

Additional information

Information about your statement of fees

This statement of fees gives you an overview of the fees and charges you have paid on your Lloyds
current account during the period shown above. It also tells you how much interest you may have earned
or paid during that time. If you have changed from an account that pays interest to one that doesn’t, your
final interest payment won’t show on your Statement of Fees for either account. You can check your final
interest payment on your monthly statement for the account that paid interest. You may want to use this
information to consider if this account is still right for you.
To help you to decide, you can view and compare our other products online. You can also see the results
from an independent survey carried out every 6 months. Customers of each of the 16 largest personal
current account providers are asked if they would recommend their provider to friends and family. The
results can be viewed at lloydsbank.com/current-accounts/survey-results.asp
If you decide to switch to a different current account, the Current Account Switch Service (CASS) offers a
secure way to switch accounts in 7 days.
How can we help you?
No matter what current account you have, we have several features to help you manage your money.
You can access Internet and mobile banking 24 hours a day 7 days a week. By making use of internet
banking you can track your money, make payments and transfers and see your statements. We can also
send you mobile alerts. Alerts help you manage your money and avoid charges. They remind you when
you need to pay cleared funds into your account. They can also help you avoid going into an unarranged
overdraft. Unless you’ve opted out, you’ll automatically receive alerts provided we have an up to date
mobile number for you. To find out more information visit
www.lloydsbank.com/banking-with-us/free-text-alerts.asp
You may have heard of Open Banking. Through Open Banking it is now possible to see all of your
accounts in one place. It works with internet or mobile banking. If you have accounts with more than one
bank, this could help make it easier to manage your money.

Page 8 of 8
Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.