PRIVATE BANKING SERVICE
There’s more than one reason to make financial plans. We have been helping individuals plot their own unique path in life for over 300 years, and we are on hand with the insight and expertise you need to help you set off in the right direction.
Getting to know you
Our Private Banking Service advisers will get to know you and provide you with a consistent point of contact. We will consider your lifestyle and priorities and point out the opportunities and challenges ahead.
We will get to know your banking and borrowing needs so you can decide which options suit you best.
Every day banking and specialist services
We will work with you to understand what elements of the banking service suit your lifestyle and ambitions. We offer the following banking services:
- Current, savings and deposit accounts.
- Mortgages, loans and overdrafts, subject to status and application.
- Specialist services such as foreign exchange, tailored lending and bridging finance, subject to status and application.
Our banking services are complemented by Internet, Mobile and Telephone Banking, 24 hours a day, seven days a week.
Please note that although our lines are always open, not all Telephone Banking services are available 24 hours a day. There may be limits on payments you can make and we may not be able to start processing all payments instructed out of normal banking hours.
Lending and financing products may require security. Lending is subject to our responsible lending criteria. How much we lend, the period and rate available are subject to our assessment of your circumstances.
Specific eligibility criteria and conditions apply for certain types of lending. You must be 18 or over and a UK resident to apply. Lending is subject to status and application. Security may be required. Overdrafts are repayable in full on demand.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Structuring and transferring your wealth
As a Private Banking customer, you will have access to additional products and services depending on your needs. Private Banking can introduce you to specialists that can help you get a clear idea of your current position and get appropriate advice for:
- Will writing
- Setting up a trust.
- Estate Administration Service.
- Personal Tax Service.
Some of our products and services require financial advice. We provide this service through our partnership with Schroders Personal Wealth. We will introduce you to an adviser to help you make financial planning and investment choices based on your financial goals.
Your Schroders Personal Wealth adviser will explain what advice they can give. They’ll also tell you which products and services this covers and any advice or product charges that apply and agree these with you.
Bank of Scotland plc and Lloyds Bank plc are both part of Lloyds Banking Group. More information on Lloyds Banking Group can be found at www.lloydsbankinggroup.com
Bank of Scotland plc
Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 169628.
Lloyds Bank plc
Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.
Lloyds Bank International Limited
Registered Office and principal place of business: 11-12 Esplanade, St Helier, Jersey JE2 3QA. Lloyds Bank International Limited is incorporated in Jersey No. 4029 and is regulated by the Jersey Financial Services Commission.
The Guernsey branch of Lloyds Bank International Limited, principal place of business PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, is licensed by the Guernsey Financial Services Commission.
The Isle of Man branch of Lloyds Bank International Limited of PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ is licensed by the Isle of Man Financial Services Authority.