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Reply-To: "Lloyds Bank" <autoresponse@lloydsbank.co.uk>
From: "Lloyds Bank" <info@emails.lloydsbank.com>
To: <bob@sarahharvey.com>
Subject: The interest you earn on your savings could change your tax code
Date: Fri, 10 Oct 2025 10:04:15 +0100
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The interest you earn on your savings could change your tax code
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Understanding your personal savings allowance
Dear Mr Home
You may receive, or have recently received, a communication from HM Revenue
& Customs (HMRC) about changes to your tax code. This could be in relation
to the amount of interest you’ve earned and your personal savings allowance,
so we wanted to help explain what this means for you and your savings with
us.
It’s set by the government
Your personal savings allowance is the amount of interest you can earn on
your savings before you need to pay tax on it. It’s set by the government
and depends on your annual income, which can include earnings from work,
benefits, pensions, investments or savings. It doesn’t apply to interest
earned from money held in ISAs, this is tax-free in the UK.
Here's how it works
If you earn more interest than your personal savings allowance during a tax
year, HMRC may update your tax code to ensure you pay the correct amount of
tax. The amount of interest you can earn on your savings tax-free depends on
which income tax band you’re at:
• If you’re a basic rate taxpayer at 20%, you can earn up to £1,000 in
tax-free interest
• If you’re a higher rate taxpayer at 40%, you can earn up to £500 in
tax-free interest
• If you’re an additional rate taxpayer at 45% or higher, you do not
qualify for any tax-free interest.
Learn more about your personal savings allowance
<https://www.lloydsbank.com/savings/help-and-guidance/personal-savings-allowance.html?elqTrackId=e9c4a53a561548c5b3b93b36a97f671a&elq=e73abb1e301440aa914782f3f801d2d8&elqaid=15779&elqat=1&elqCampaignId=2464&elqak=8AF51378D6EAF7EB62E8257DE5302A2C75E4B4829A387B50769BBB5054784EFC30AC>
.
Something to think about
If you don’t already have an ISA, it might be worth considering this as an
option. ISAs - short for Individual Savings Accounts - let you save up to a
set amount of money each year without paying tax on the interest earned. For
this tax year, the total ISA allowance is £20,000.
Find out more about ISAs
<https://www.lloydsbank.com/savings/help-and-guidance/isas-explained.html?elqTrackId=92b9356e609d4dcebf6f12a6b2421a87&elq=e73abb1e301440aa914782f3f801d2d8&elqaid=15779&elqat=1&elqCampaignId=2464&elqak=8AF5FBF47598EDF14E914C350ACA4F1C087FB4829A387B50769BBB5054784EFC30AC>
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If you have any questions
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<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#C7FFC6" =
style=3D"margin:auto; width:600px; background-color:#C7FFC6">
<tbody><tr>
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font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px; font-weight:bold">The interest you earn on your =
savings could change your tax code
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style=3D"mso-hide:all;display:none;max-height:0px;overflow:hidden;font-si=
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=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
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=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD=20
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
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=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD </div>
</td>
</tr>
<tr>
<td align=3D"left" style=3D"padding:16px; font-size:0; =
line-height:0">
<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" style=3D"margin:auto">
<tbody><tr>
<td width=3D"24" style=3D"padding-right: 8px">
<div class=3D"darkmode_img" style=3D"mso-hide:all; =
display:none">
<img class=3D"darkmode_img" alt=3D"" =
src=3D"https://image.commercialemails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B30e7cef2-9ac7-40fb-bd53-1a69b0c3f299%7D_header_ico=
n_DM.png" width=3D"24" style=3D"width: 24px; min-width:24px; =
height:auto; mso-hide:all; display:none; margin:0 auto">
</div>
<img class=3D"lightmode_img" alt=3D"" =
src=3D"https://image.commercialemails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bce69d53d-a125-437c-b19c-f12f939941fb%7D_header_ico=
n_fill_calmgreen.png" width=3D"24" style=3D"width: 24px; min-width:24px; =
height:auto">
</td>
<td class=3D"f_GUS_R m_w100pc" align=3D"left" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:16px">
We'll always include your name, Mr Home, and the last four =
digits of an account you have with us 4446, so you know our emails are =
genuine.
</td>
</tr>
</tbody></table>
</td>
</tr>
</tbody></table>
<!-- SPACER 24PX -->
<table class=3D"m_w100pc" width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" height=3D"24"><tbody><tr><td =
style=3D"height:1px; font-size:1px; line-height:1px; padding-top:23px; =
box-sizing:content-box"> </td></tr></tbody></table>
<!-- [2b] Hero (consumer) - secondary full width layout with H2 and CTA =
-->
<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#024731" =
style=3D"margin:auto; background-color:#024731; width:600px">
<tr>
<td align=3D"left" valign=3D"top" style=3D"padding:32px; =
font-size:0; line-height:0">
<table class=3D"m_w100pc m_mauto" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"536" style=3D"margin:auto; =
width:536px">
<tr>
<td align=3D"left" valign=3D"top" style=3D"padding-bottom:24px">
<div class=3D"darkmode_img" style=3D"mso-hide:all; =
display:none">
<a =
href=3D"https://www.lloydsbank.com/?elqTrackId=3D63b6120c045d4ae69a90fe00=
36f8c754&elq=3De73abb1e301440aa914782f3f801d2d8&elqaid=3D15779&elqat=3D1&=
elqCampaignId=3D2464&elqak=3D8AF5D2E73229C9C3A5F384D2DAA6B1307462B4829A38=
7B50769BBB5054784EFC30AC" target=3D"_blank" title=3D"Lloyds Bank">
<img class=3D"darkmode_img" alt=3D"Lloyds Bank Logo" =
src=3D"https://image.commercialemails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B88ba3b8e-8454-4b0c-a5a1-e1a5ac8c7636%7D_LB_Logo_Ho=
rse_Mark_024731.png" width=3D"48" style=3D"width: 48px; height: auto; =
mso-hide:all; display:none; font-size:12px; line-height:16px; =
color:#000001; font-family:arial,helvetica,sans-serif">
</a>
</div>
<a =
href=3D"https://www.lloydsbank.com/?elqTrackId=3D60b32d1705824197bd985674=
e6299069&elq=3De73abb1e301440aa914782f3f801d2d8&elqaid=3D15779&elqat=3D1&=
elqCampaignId=3D2464&elqak=3D8AF53E943F5EACDBC6ED1A2E31C8AEC99293B4829A38=
7B50769BBB5054784EFC30AC" target=3D"_blank" title=3D"Lloyds Bank">
<img class=3D"lightmode_img" alt=3D"Lloyds Bank Logo" =
src=3D"https://image.commercialemails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B88ba3b8e-8454-4b0c-a5a1-e1a5ac8c7636%7D_LB_Logo_Ho=
rse_Mark_024731.png" width=3D"48" style=3D"width:48px; display:block; =
height:auto; font-size:12px; line-height:16px; color:#000001; =
font-family:arial,helvetica,sans-serif">
</a>
</td>
</tr>
<tr>
<td class=3D"f_GUL_BK m_w100pc" align=3D"left" valign=3D"top" =
style=3D"color:#fffffe; font-family:arial,helvetica,serif; =
font-size:48px; mso-line-height-rule:exactly; line-height:52px; =
font-weight: bold; letter-spacing:-0.02em; padding-bottom: 24px">
Understanding your personal savings allowance<!--USE THIS TO =
BREAK LONGER WORDS<p style=3D"word-break: break-all; margin: =
0">wrapLongWord</p>-->
</td>
</tr>
=09
=09
</table>
<!--[if gte mso 15]><br /> <![endif]-->
</td>
</tr>
</table>
=09
=09
<!-- [3a] TEXT (with H4 + H5 headings, body copy and CTA) -->
<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#fffffe" =
style=3D"margin:auto; background-color:#fffffe; width:600px">
<tbody><tr>
<td align=3D"left" valign=3D"top" style=3D"padding:32px; =
font-size:0; line-height:0" class=3D"">
<table class=3D"m_w100pc m_mauto" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"536" style=3D"margin:auto; =
width:536px">
<tbody><tr>
<td class=3D"f_GUL_B" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; font-weight: bold; =
letter-spacing:-0.02em; padding-top:0px">
Dear Mr Home
</td>
</tr>
<tr>
<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:24px; =
padding-bottom:24px">You may receive, or have recently received, a =
communication from HM Revenue & Customs (HMRC) about changes to your tax =
code. This could be in relation to the amount of interest you=E2=80=99ve =
earned and your personal savings allowance, so we wanted to help explain =
what this means for you and your savings with us.=20
</td>
</tr><tr>
<td class=3D"f_GUL_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:30px; =
mso-line-height-rule:exactly; line-height:34px; letter-spacing:-0.02em">
It=E2=80=99s set by the government
</td>
</tr> <tr>
<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:24px; =
padding-bottom:24px">Your personal savings allowance is the amount of =
interest you can earn on your savings before you need to pay tax on it. =
It=E2=80=99s set by the government and depends on your annual income, =
which can include earnings from work, benefits, pensions, investments or =
savings. It doesn=E2=80=99t apply to interest earned from money held in =
ISAs, this is tax-free in the UK.
</td>
</tr>
<tr>
<td class=3D"f_GUL_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:30px; =
mso-line-height-rule:exactly; line-height:34px; letter-spacing:-0.02em">
Here's how it works
</td>
</tr> <tr>
<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:24px; =
padding-bottom:0px">If you earn more interest than your personal savings =
allowance during a tax year, HMRC may update your tax code to ensure you =
pay the correct amount of tax. The amount of interest you can earn on =
your savings tax-free depends on which income tax band you=E2=80=99re =
at:
</td>
</tr>
<tr>
<td valign=3D"top">
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
align=3D"left">
<tbody><tr>
<td class=3D"f_GUS_R" align=3D"left" valign=3D"top" =
width=3D"24" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:20px; mso-text-raise:-6px; =
width: 24px; padding-top: 24px">
=E2=80=A2
</td>
<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top: 24px">
If you=E2=80=99re a basic rate taxpayer at 20%, you can earn =
up to =C2=A31,000 in tax-free interest
</td>
</tr><tr>
<td class=3D"f_GUS_R" align=3D"left" valign=3D"top" =
width=3D"24" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:20px; mso-text-raise:-6px; =
width: 24px; padding-top: 24px">
=E2=80=A2
</td>
<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top: 24px">If =
you=E2=80=99re a higher rate taxpayer at 40%, you can earn up to =
=C2=A3500 in tax-free interest
</td>
</tr>
<tr>
<td class=3D"f_GUS_R" align=3D"left" valign=3D"top" =
width=3D"24" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:20px; mso-text-raise:-6px; =
width: 24px; padding-top:16px">
=E2=80=A2
</td>
<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">If =
you=E2=80=99re an additional rate taxpayer at 45% or higher, you do not =
qualify for any tax-free interest.
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:24px; =
padding-bottom:0px">Learn more about your <a =
href=3D"https://www.lloydsbank.com/savings/help-and-guidance/personal-sav=
ings-allowance.html?elqTrackId=3De9c4a53a561548c5b3b93b36a97f671a&elq=3De=
73abb1e301440aa914782f3f801d2d8&elqaid=3D15779&elqat=3D1&elqCampaignId=3D=
2464&elqak=3D8AF51378D6EAF7EB62E8257DE5302A2C75E4B4829A387B50769BBB505478=
4EFC30AC" style=3D"text-decoration:underline; color:#006A4D;" =
target=3D"_blank" title=3D"personal savings allowance">personal savings =
allowance</a>. =20
</td>
</tr>
=20
<tr>
<td class=3D"f_GUL_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:30px; =
mso-line-height-rule:exactly; line-height:34px; letter-spacing:-0.02em; =
padding-top:24px">
Something to think about
</td>
</tr> <tr>
<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:24px; =
padding-bottom:24px">If you don=E2=80=99t already have an ISA, it might =
be worth considering this as an option. ISAs - short for Individual =
Savings Accounts - let you save up to a set amount of money each year =
without paying tax on the interest earned. For this tax year, the total =
ISA allowance is =C2=A320,000. <br><br>
Find out more about <a =
href=3D"https://www.lloydsbank.com/savings/help-and-guidance/isas-explain=
ed.html?elqTrackId=3D92b9356e609d4dcebf6f12a6b2421a87&elq=3De73abb1e30144=
0aa914782f3f801d2d8&elqaid=3D15779&elqat=3D1&elqCampaignId=3D2464&elqak=3D=
8AF5FBF47598EDF14E914C350ACA4F1C087FB4829A387B50769BBB5054784EFC30AC" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"ISAs">ISAs</a>.=20
</td>
</tr>
=09
<tr>
<td class=3D"f_GUL_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:30px; =
mso-line-height-rule:exactly; line-height:34px; letter-spacing:-0.02em">
If you have any questions
</td>
</tr> <tr>
<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:24px; =
padding-bottom:0px">You can contact us in your usual way, we=E2=80=99re =
here to help.
</td>
</tr>
</tbody></table>
</td>
</tr>
</tbody></table>
=09
=09
<!-- [F1a] Footer - Retail use ONLY (B2C) -->
<table class=3D"m_w100pc m_hauto" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#fffffe" =
style=3D"margin:auto; width:600px; background-color:#fffffe">
<tr>
<td align=3D"center" valign=3D"top" style=3D"font-size:0px =
line-height:0px">
<a =
href=3D"https://www.lloydsbank.com/?elqTrackId=3Ddfd0cd711fd44208b3dbfb56=
37ce9e6e&elq=3De73abb1e301440aa914782f3f801d2d8&elqaid=3D15779&elqat=3D1&=
elqCampaignId=3D2464&elqak=3D8AF58D09241B5E303850E1A9E154DA8B2B96B4829A38=
7B50769BBB5054784EFC30AC" target=3D"_blank" title=3D"Lloyds Bank" =
style=3D"text-decoration:none; display: block">
<img class=3D"m_h" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Bae6715d4-5c14-406c-8bf1-5b184bb6beff%7D_footer_logo_lloyds_h=
oriz_pos_comb_desk_u2.png" alt=3D"Lloyds Bank Logo" width=3D"600" =
style=3D"width:600px; height: auto; display: block; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:338px; text-align:center"/>
<!--[if !mso]><!-- mobile image -->
<img class=3D"m_d_b m_w100pc" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B7ffa9ba1-598d-4552-80e8-85c8cd3c47d2%7D_footer_logo_lloyds_h=
oriz_pos_comb_mob_u2.png" alt=3D"Lloyds Bank Logo" =
style=3D"display:none; height:auto"/>
<!--<![endif]-->
</a>
</td>
</tr>
</table>
=09
=09
<!-- ALL SHARED FOOTER -->
<table class=3D"m_w100pc" style=3D"margin:auto; =
background-color:#ffffff;" width=3D"600" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" bgcolor=3D"#ffffff" align=3D"center">
<tbody><tr>
<td class=3D"m_sharedFooter" style=3D"padding:30px 0 =
14px 0;">
=20
<!-- LB_ADDRESS_BOOK -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B f_GUS_B" =
style=3D"font-family:arial,verdana,helvetica,sans-serif;">Email address =
book</strong> – add us to make sure you get our emails.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- LB_PRIVACY_POLICY -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B f_GUS_B" =
style=3D"font-family:arial,verdana,helvetica,sans-serif;">How we use =
your information</strong> – review our <a =
href=3D"https://www.lloydsbank.com/privacy.html?elqTrackId=3Ddaf11e2ebcd9=
4981becad90e854da89c&elq=3De73abb1e301440aa914782f3f801d2d8&elqaid=3D1577=
9&elqat=3D1&elqCampaignId=3D2464&elqcst=3D272&elqcsid=3D16713&elqak=3D8AF=
5C097832FFF92EA4F67AEABDC8BBC3EE3B4829A387B50769BBB5054784EFC30AC" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Visit this page if you'd like to read the Lloyds Bank privacy =
policy.">privacy policy</a>.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
=20
=20
<!-- LIVE_LB_OPEN_DISCLOSURE -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">To help us improve the emails we send you, we collect =
basic information from your device such as when they are opened. For =
more information please read our <a =
href=3D"https://www.lloydsbank.com/cookies?elqTrackId=3Dc3cb7bcaf50148498=
97204cee9cf03fc&elq=3De73abb1e301440aa914782f3f801d2d8&elqaid=3D15779&elq=
at=3D1&elqCampaignId=3D2464&elqcst=3D272&elqcsid=3D57433&elqak=3D8AF52186=
2F2BBEEFE5DD287B3D2EF20BCE00B4829A387B50769BBB5054784EFC30AC" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Visit this page if you=E2=80=99d like to read the Lloyds Bank =
cookies policy.">Cookies Policy</a>.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- LIVE_LB_IMPORTANT_INFO -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B f_GUS_B">What to expect from =
our emails</strong><br />
<br />
We will:<br />
• Always include your name and the last four digits of an =
account you have with us.<br />
• Sometimes include links to more information to help you.<br =
/>
• Sometimes send you links to our secure app, to take you =
straight to the information you need.<br />
<br />
We will never:<br />
• Send you to a web page that asks for your log in, personal =
or banking details.<br />
<br />
If you're not sure that an email is from us:<br />
• Forward it to <a =
href=3D"mailto:emailscams@lloydsbanking.com" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Forward suspicious emails to this email =
address.">emailscams@lloydsbanking.com</a> and then delete it.<br />
• Speak to us to check. You could do this by messaging us =
from our app or online banking.<br />
<br />
We have lots of information to keep you and your money safe on our =
website. Just visit our <a =
href=3D"https://www.lloydsbank.com/help-guidance/protecting-yourself-from=
-fraud.html?elqTrackId=3D5cdec01b9bb8463b9ee62a392645a885&elq=3De73abb1e3=
01440aa914782f3f801d2d8&elqaid=3D15779&elqat=3D1&elqCampaignId=3D2464&elq=
cst=3D272&elqcsid=3D16710&elqak=3D8AF55B14FEEE51532DA98B6B4F773DB689EDB48=
29A387B50769BBB5054784EFC30AC" style=3D"text-decoration:underline; =
color:#006A4D;" target=3D"_blank" title=3D"Visit this page if =
you=E2=80=99d want to learn how to protect yourself from fraud.">Fraud =
Hub</a>.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
=20
=20
=20
=20
<!-- LIVE_LB_COMPLAINT_WORDING -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">If you want to make a complaint, you can message us =
in the app 24/7 or find support <a =
href=3D"https://www.lloydsbank.com/contact-us/how-to-complain.html?elqTra=
ckId=3Db74e858c79df451cbf19295659cf699a&elq=3De73abb1e301440aa914782f3f80=
1d2d8&elqaid=3D15779&elqat=3D1&elqCampaignId=3D2464&elqcst=3D272&elqcsid=3D=
39969&elqak=3D8AF5A8D7F246AC6538B7D7618DDF532ADB2CB4829A387B50769BBB50547=
84EFC30AC" style=3D"text-decoration:underline; color:#006A4D;" =
target=3D"_blank" title=3D"online">online</a>.<br />
You can also call us on <a href=3D"tel:08000723572" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"0800 072 3572">0800 072 3572</a> (<a =
href=3D"tel:+441733462267" style=3D"text-decoration:underline; =
color:#006A4D;" target=3D"_blank" title=3D"+44 173 346 =
2267">+44 173 346 2267</a> outside the UK). Or visit a =
branch.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- LIVE_LB_RELAY_SERVICE -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><span style=3D"font-size:16px; line-height:20px;">If =
you need this communication in another format, such as large print, =
Braille or audio CD, please contact us.</span><br />
You can call us using Relay UK if you have a hearing or speech =
impairment. There's more information on the <a =
href=3D"https://www.relayuk.bt.com?elqTrackId=3Dc59c9d0ef4524b318905aa851=
721008b&elq=3De73abb1e301440aa914782f3f801d2d8&elqaid=3D15779&elqat=3D1&e=
lqCampaignId=3D2464&elqcst=3D272&elqcsid=3D16707&elqak=3D8AF582759CE3DB51=
01AF576E6CB7C261C614B4829A387B50769BBB5054784EFC30AC" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Visit this page to find out more about Relay UK.">Relay UK</a> =
help pages.<br />
<a =
href=3D"https://www.lloydsbank.com/signvideo?elqTrackId=3Debf3920cd79c473=
1b2dc8e9a61a0bd33&elq=3De73abb1e301440aa914782f3f801d2d8&elqaid=3D15779&e=
lqat=3D1&elqCampaignId=3D2464&elqcst=3D272&elqcsid=3D16707&elqak=3D8AF5A3=
83ED0EAF265E771F9588E4496CB1F5B4829A387B50769BBB5054784EFC30AC" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Visit this page to find out more about SignVideo =
services.">SignVideo</a> services are also available if you’re =
Deaf and use British Sign Language.<br />
If you need support due to a disability please get in touch.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- important information -->
<!-- complaint --> =20
<!-- LIVE_LB_NMI -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">We send communications like this for legal reasons, =
to help you make the most of your accounts, or to let you know about =
changes to your accounts or services.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- LIVE_LB_OPEN_DISCLOSURE -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:0 20px 16px 20px;" class=3D"">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">Keeping your money protected =E2=80=93 eligible =
deposits with us are protected by the <br class=3D"m_h"><a =
href=3D"https://www.lloydsbank.com/legal/financial-services-compensation-=
scheme?elqTrackId=3D70643ab5065c41c08256dabe0af36a2c&elq=3De73abb1e301440=
aa914782f3f801d2d8&elqaid=3D15779&elqat=3D1&elqCampaignId=3D2464&elqak=3D=
8AF5CC5E26D31DA67306DA4BD058BEE260F9B4829A387B50769BBB5054784EFC30AC" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Financial Services Compensation Scheme">Financial Services =
Compensation Scheme</a>. We are also covered by the Financial Ombudsman =
Service.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- mobile banking app --> =20
<!-- LIVE_LB_MOBILE_BANKING_APP -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">Our app is available to customers with a UK personal =
account and valid registered phone number. Minimum operating systems =
apply, so check the App Store or Google Play for details. Device =
registration required. <a =
href=3D"https://www.lloydsbank.com/legal/online-banking/internet-banking.=
html?elqTrackId=3Ded9e17a5ff0949528ee3b6c572e0928c&elq=3De73abb1e301440aa=
914782f3f801d2d8&elqaid=3D15779&elqat=3D1&elqCampaignId=3D2464&elqcst=3D2=
72&elqcsid=3D16709&elqak=3D8AF5DE72BF9BC7842FC28E79DC589FE9F223B4829A387B=
50769BBB5054784EFC30AC" style=3D"text-decoration:underline; =
color:#006A4D;" target=3D"_blank" title=3D"Terms and conditions">Terms =
and conditions</a> apply.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
=20
=20
<!-- calls and online -->
<!-- LIVE_LB_CALLS_MONITORED -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">Calls and online sessions may be monitored and =
recorded. Not all Telephone Banking services are available 24 hours =
a day, seven days a week.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
=20
<!-- LIVE_LB_REG_OFFICE -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">Lloyds and Lloyds Bank are trading names of 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.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- LIVE_LB_AS_AT_DATE -->
<table class=3D"m_w100pc" style=3D"margin:auto; =
background-color:#ffffff;" width=3D"600" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" bgcolor=3D"#ffffff" align=3D"center">
<tbody><tr>
<td style=3D"padding:0 20px 16px 20px;" =
align=3D"left" class=3D"">
<table class=3D"m_w100pc" width=3D"560" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center">
<tbody><tr>
<td align=3D"left" class=3D"f_LBJ =
f_GUS_R" style=3D"color:#333333; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:16px;">
=20
<span style=3D"display: =
inline !important;"><!-- LB_AS_AT_DATE_A -->This information is correct =
as of <!-- LB_AS_AT_DATE_A END --></span><!-- UPDATE -->October 2025<!-- =
END --><span style=3D"display: inline !important;"><!-- LB_AS_AT_DATE_B =
--> and is relevant to Lloyds Bank plc products and services =
only.<!-- LB_AS_AT_DATE_B END --></span>
=20
</td>
</tr>
</tbody></table>
</td>
</tr>
</tbody></table>
</td>
</tr>
</tbody></table>
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=09
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style=3D"height:1px; font-size:1px; line-height:1px; padding-top:23px; =
box-sizing:content-box"> </td></tr></tbody></table>
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<img class=3D"m_h" =
src=3D"https://image.commercialemails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B62bfd74b-401b-4e55-b596-d7aa6af4c3a4%7D_spacer.gif=
" alt=3D"image" height=3D"1" width=3D"600" style=3D"display:block; =
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</div>
=09
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