Lloyds Bank International Limited SWIFT/BIC code

HSAMJESH – the SWIFT/BIC code of Lloyds Bank International Limited

HSAMJESH and HSAMJESHXXX are two ways of writing the same SWIFT/BIC code, and both lead to Lloyds Bank International Limited in St. Helier. Every bank on the SWIFT network uses these codes to direct payments between countries to the right institution. In daily life you usually come across the code on international invoices, in payment forms and on the account details that Lloyds Bank International Limited provides.

This page is meant to help people who sends money to an account at Lloyds Bank International Limited and wants to get the details right. The SWIFT code alone does not identify an individual account holder; for that you need the IBAN or account number is for.

What to give a sender who pays you at Lloyds Bank International Limited

For a transfer from abroad into your account at Lloyds Bank International Limited, the person paying you has to have not just the BIC. In practice that means: your name as registered with Lloyds Bank International Limited, your account number or IBAN, the BIC HSAMJESHXXX and sometimes your address.

Their bank might request the bank address of Lloyds Bank International Limited; the head office in St. Helier is usually fine. Double-check each detail before you share them – a sender rarely spots a mistake in someone else’s details.

What lands in your account can be less than what was sent. Charges on incoming payments differ per bank; check the price list of Lloyds Bank International Limited. On invoices, you can state how the fees are split to avoid a shortfall.

8 or 11 characters: HSAMJESH versus HSAMJESHXXX

The structure of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and two for the location, sometimes followed by a branch code. Combined, those parts make up HSAMJESH, the code most people search for.

XXX at the end of HSAMJESHXXX is not a placeholder or a mistake: it indicates the head office of Lloyds Bank International Limited. Certain payment forms insist on 11 characters, in which case you simply add XXX behind HSAMJESH.

Do not add spaces, dots when you enter HSAMJESH or HSAMJESHXXX. Copying the code beats retyping it.

How long does an international transfer to Lloyds Bank International Limited take?

An international transfer typically needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Payments made late in the day or on a weekend or public holiday often go out the next business day. Sometimes a bank wants to know about the purpose of a payment before releasing it.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique reference, the UETR. Keep your transfer receipt; it contains the details a bank needs to start a trace.

Only the sending bank is able to start an official trace. Ask the sender for a copy of the payment confirmation with the date and reference – it helps your own bank look for the money.

Lloyds Bank International Limited: head office code versus branch codes

Lloyds Bank International Limited uses 2 separate SWIFT/BIC codes across 1 locations. One of them is the head office code, HSAMJESHXXX; the others identify branches, and sometimes internal departments.

In most cases there is no need to pick a branch: transfers sent to HSAMJESHXXX are routed within Lloyds Bank International Limited without problems. If you have been given a branch code, use it as it is rather than replacing it with the head office code.

Not sure which code applies? Ask the recipient or the bank itself. Codes for branches are more likely to be retired than the head office code.

Protect yourself against fake payment requests

Be wary when someone unexpectedly wants you to pay into another account. A valid SWIFT code tells you nothing about who owns the account.

Check changed bank details via a separate channel, never via the email that asked for the change. Pressure and secrecy tend to be warning signs; a genuine business can wait for you to check. If money was sent to the wrong account, call your bank right away.

Recipients can be targeted as well: one known trick is an overpayment and then sends a request to refund the difference to another account. Do not act before the money is actually in your account.

A note on our data

The details on this page are taken from publicly available data that we update regularly. It can happen that a code on this page is no longer current, for example after a merger. Figures such as the number of codes are from our own dataset.

For any payment of any size, check the BIC with the recipient’s bank or the recipient. GoldexPay has no connection to Lloyds Bank International Limited, we only compare transfer services. Should you notice a mistake, we appreciate a message via the contact page.

Is HSAMJESH still correct? How to check

Ask the recipient to copy the account details directly from their banking app. Check that code with HSAMJESH here; if they differ, ask before you pay.

With a wrong code, the payment might be delayed, be returned or cost extra, and tracing it can take weeks. Do not forget the account number: a mistake there is harder to correct than a wrong code.

A validity check in your banking app merely confirms that the IBAN is valid – not that it belongs to the person you mean to pay. Where available, a payee name check on the recipient adds extra certainty. When you pay someone new, some people send a small amount first and wait for confirmation.

Paying into Lloyds Bank International Limited in GBP

The national currency of Jersey is the British Pound (GBP). Money sent in a different currency is exchanged into GBP – and the bank that does it picks the rate. You rarely see a separate charge for that conversion.

Which bank converts the money makes a difference, because each party uses its own rate. Check what GBP the recipient gets via several services before choosing one.

The GBP rate changes constantly, so the amount you see is usually only valid for a short time. For recurring payments, a slightly better rate add up over a year.

What a transfer from Lloyds Bank International Limited abroad really costs

A bank transfer abroad can cost more than the fee suggests. Besides a fixed fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency the bank usually applies a rate that is less favourable than the real market rate.

Banks do not list the margin on the rate as a cost, but you pay it all the same. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For many currency pairs, a transfer service is cheaper than a bank – mostly thanks to the rate. GoldexPay compares transfer providers next to each other, showing what actually arrives. Using a transfer service does not require closing your account at Lloyds Bank International Limited.