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Statement number 62
Issue date 20 February 2025
MR A SAGHIRI Write to us at Box 3 BX1 1LT
48 PARSONS MEAD Call us on 0345 300 0000
CROYDON Visit us online www.lloydsbank.com
SURREY
CR0 3SL
yTPTYXyvxuyxxZVyWT
jeCjb4ozaoI;cu;Ymc Your Branch CROYDON (309245)
ytBWNuu84n9AXrjwqx
yW;O5JL8iux5oOiReA
kNj;aUX66yCXiikf7p Sort Code 30-92-45
zzzzzzzzzzzzzzzzzz
Account Number 57058460
IBAN GB68 LOYD 3092 4557 0584 60
BIC LOYDGB21049

CLASSIC 21 January 2025 to 20 February 2025

Your Account
Date of previous statement 20 January 2025
Balance on 21 Jan 2025 £0.06
Money in £5.00
Money out £5.00
Balance on 20 Feb 2025 £0.06
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, 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 lloydsbank.com/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 lloydsbank.com/travel/using-debit-credit-cards-abroad
number for you. Find out more at lloydsbank.com/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 lloydsbank.com/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 lloydsbank.com/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 banking needs can change over time so it’s important to check your account is
Where you use your debit card to make a purchase in a currency other than
still right for you by visiting lloydsbank.com/currentaccounts to see our latest
pounds, we'll also charge a £0.50 foreign currency purchase fee for each
current accounts.
payment. We won't charge this fee if your payment's made in Euro within the EEA
Our interest rates or UK, or where the retailer based outside the UK gives you the option to pay in
If we pay interest on your balance, your current interest rate is shown on the front of pounds. If you choose to do this we won't apply any charges but the retailer might.
this statement. To find out what the interest rates are on our other accounts, visit Cashpoint® is a registered trademark of Lloyds Bank plc.
lloydsbank.com/current-accounts/rates. Alternatively ask us in branch.
Keeping your data safe
We promise to keep your personal information safe and only use in the way you’ve
JProtecting yourself from fraud asked. See our privacy notice at lloydsbank.com/privacy or call us for a copy on
• Check your statements regularly - If something doesn’t look right or you 0345 602 1997.
spot a transaction on your statement you didn’t make, call us straight away We’re here for you if something isn’t right
on 0800 917 7017 or +44 207 4812614 if outside the UK. We may not be We want to make sure you’re happy with the products and service we offer. But if
able to refund a payment on some types of account if you tell us more than something goes wrong, let us know and we’ll do everything we can to put things
13 months after the date it happened. right. If you’re still not happy, you can ask the Financial Ombudsman Service to look
• Keep your statements in a safe place - If you want to throw them away, you at your concerns, for free.
should do it in a secure way, like shredding them – please don’t just put them
in the bin. The Financial Services Compensation Scheme (FSCS)
The deposits you hold with us are covered by the Financial
• Helping you stay protected - We’ll do all we can to help you avoid fraud. Visit Services Compensation Scheme (FSCS). Every year we’ll
lloydsbank.com/security for ways to protect yourself and information on send you an information sheet which tells you the types of
the latest scams. deposits covered and the protection offered by the FSCS.
• If your card, cheque book or PIN is lost or stolen - Call us straight away on For more information visit FSCS.org.uk
0800 096 9779 or +44 1702 278 270 if outside the UK – lines are open
24/7. 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.
• 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. When you call us your call may be monitored or recorded in case we need to check
Find out more at we have carried out your instructions correctly and to help improve our quality of
lloydsbank.com/help-guidance/customer-support/lost-or-stolen-cards 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
regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278
Statement No. 62 Sort Code 30-92-45
20 February 2025 Account Number 57058460
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CLASSIC

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
20 Jan 25 STATEMENT OPENING BALANCE 0.06
03 Feb 25 FPI AYMANE SAGHIRI PMCMU1Q2FXEI9O98QQ 5.00 5.06
01FEB25
03 Feb 25 FPO NAEL BOUDELAA 01FEB25 17:53 5.00 0.06
20 Feb 25 STATEMENT CLOSING BALANCE 5.00 5.00 0.06
Payment types:
FPI - Faster Payment FPO - Faster Payment
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, Lloyds Bank,
Mayfair Private Banking, Lloyds Private Banking, Lloyds Bank Private Banking, Lloyds 360, 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: [email protected]
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: [email protected]. 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
1
undertaking, collective investment undertaking, pension or retirement fund , 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
5
company - 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

MR A SAGHIRI
48 PARSONS MEAD
CROYDON
SURREY
CR0 3SL

Account provider Lloyds Bank plc

Write to us at Box 3 BX1 1LT
Your Branch CROYDON (309245)
Call us on 0345 300 0000
Visit us online www.lloydsbank.com
Account CLASSIC
Account identification Sort Code 30-92-45
Account Number 57058460
IBAN GB68 LOYD 3092 4557 0584 60
BIC LOYDGB21049
Period From 12 January 2024 to 09 January 2025
Date 20 February 2025

• 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

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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 £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
Payment received via SEPA fee not charged
Credit Transfers

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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

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 fee not charged
Total fees paid £0.00

Detail of interest paid on the account

Interest rate Interest
12/01/2024 - 09/01/2025

Total interest paid interest not applicable

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

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