Charging options

  • SHA:Shared between parties The LBG charge will be invoiced as per your agreed tariff, but won’t be on the debit advice

    OUR: Sender pays charges The LBG charge will be invoiced as per your agreed tariff, but won’t be on the debit advice. If there are Agency charges taken by the beneficiary bank, these will either be taken at payment execution, as a separate debit (and will show in the debt advice) or may be taken later in the event of a claim.

    BEN: Beneficiary pays charges The charge is taken as part of the payment execution and reduces the principle sum sent to the beneficiary by the LBG charge. The charge taken will be displayed on the debit advice.


    Select how the transfer charges are to be applied: note the applicable charging options will vary depending on the currency and country selected.
    •             SHA Only: If the payment is to an EEA country from an EEA country, regardless of the currency, the only valid charging option is SHA e.g. sending any currency from the UK to France.
    •             OUR / SHA: If the payment is partially in the EEA i.e. either you or the beneficiary are outside of the EEA, regardless of the currency, you can only choose OUR / SHA e.g. sending AUD from the UK to Australia, or USD from the USA to France.
    •             OUR / BEN / SHA: If the payment is made from outside the EEA to another country also outside the EEA then OUR / BEN / SHA can be selected e.g. sending USD from the USA to Australia.


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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

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.