What are the account balance types?

  • Account balances indicate the total amount available in accounts. You can check your organisation’s current balances in Commercial Banking Online by viewing a bank account summary or by viewing an accounts and balances summary that contains the groups of accounts in which you are interested.


    Current Cleared Balance

    The balance on which any overnight interest will be calculated (assuming no further transactions before close of business), i.e. the current balance minus any uncleared funds not due to clear today. 

    Back to top

    Current Ledger Balance

    The live ledger balance, including all transactions processed during the current business day (includes cheques lodged, but not yet cleared).

    Back to top

    Current Available Balance

    The cleared funds available for payments to third parties.

     

    Back to top

    Uncleared Funds

    Cheques paid in over the last few days still waiting to be cleared (includes funds clearing today).

    Back to top

    Closing Cleared Balance

    The Closing Cleared Balance excludes any transactions that haven’t cleared on the account during the business day.

     

    Back to top

    Closing Ledger Balance

    The Closing Ledger Balance includes any transactions that occurred during the business day, whether they are cleared or not.

     

    Back to top

Calls 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.

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 020 7626 1500.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.