Lloyds Bank PLC-Jersey SWIFT/BIC code

What LOYDJEJ1 means for a payment to Lloyds Bank PLC-Jersey

Whether a recipient gives you LOYDJEJ1 or LOYDJEJ1XXX, it is the same identifier for Lloyds Bank PLC-Jersey in Jersey. Banks worldwide use BIC codes to route international transfers to the correct bank. In practice you usually come across it on international invoices, in payment forms and on the account details that Lloyds Bank PLC-Jersey provides.

On this page you can read what the code means, when it matters and what else you need for a transfer to or from Lloyds Bank PLC-Jersey. The BIC names a bank or branch, never a specific account; the IBAN or account number does that.

Watch out for payment fraud

Stay wary if someone unexpectedly asks you to pay into another account abroad. That LOYDJEJ1 is a real code is no guarantee that the account is legitimate – fraudsters use real bank codes as well.

Verify changed payment details via a separate channel, such as a phone number you already know, not by replying to the message. Pressure and requests to keep it quiet tend to be red flags. Already paid? Contact your bank without delay and have them try to recall the payment; also report it to the police.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much followed by a request to refund the difference abroad. A payment confirmation from the sender is no proof.

International transfers from Lloyds Bank PLC-Jersey: the real cost

A bank transfer abroad can cost rather more than the listed fee. Besides a fixed fee, banks in between may take a cut, and when the money changes currency, the bank usually uses a rate below the actual market rate.

Banks rarely show the margin on the rate separately, but you pay it all the same. An easy check: put the rate you get next to the mid-market rate and work out the difference on your amount.

Specialist money transfer services often use rates closer to the mid-market rate and lower fees. GoldexPay compares transfer providers next to each other so you can see the amount the recipient gets before you commit. Choosing a specialist does not require leaving Lloyds Bank PLC-Jersey: you simply pay the service from your account.

8 or 11 characters: LOYDJEJ1 versus LOYDJEJ1XXX

Each SWIFT/BIC code starts with an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. The result is LOYDJEJ1 for Lloyds Bank PLC-Jersey.

XXX at the end of LOYDJEJ1XXX is not a missing value or an error: it indicates the head office of Lloyds Bank PLC-Jersey. Some banking apps ask for 11 characters, and then you can enter XXX behind LOYDJEJ1.

Do not add spaces, dots when you type LOYDJEJ1; the code is always written in one block. A wrong letter may route a payment to another bank, so copy it carefully.

Is LOYDJEJ1 still correct? How to check

Ask the recipient to send you the account details directly from their online banking. If the code you have does not match LOYDJEJ1 or LOYDJEJ1XXX, do not guess.

If the code is wrong, the transfer may be delayed, bounce back or cost extra – sometimes after weeks of searching. An error in the account number is more serious, because the money may be credited to someone else.

A format check in your banking app merely tells you that the code is valid – not that it belongs to the person you mean to pay. Where available, a name check before sending gives extra certainty. Sending a small amount first is worth it for a large first payment.

Where our SWIFT data comes from

The directory on GoldexPay draws on public sources. It is possible that information on this page is out of date after a merger or reorganisation. Counts and locations come from our directory and are not confirmed by Lloyds Bank PLC-Jersey.

Use this page as a starting point, not as the last word: the recipient’s bank details come first. GoldexPay is not affiliated with Lloyds Bank PLC-Jersey; we are a comparison site for money transfers. Should you notice a mistake, we appreciate a short note via the contact page.

Receiving money from abroad at Lloyds Bank PLC-Jersey

If you expect money from abroad, give the sender everything they need in one go. That means: your full name as registered with Lloyds Bank PLC-Jersey, your IBAN or account number, the BIC LOYDJEJ1XXX and usually your postal address.

Some banks also ask for the address of Lloyds Bank PLC-Jersey in St. Helier. Double-check each detail before you share them, because the sender’s bank usually copies them as is.

An incoming payment will not always land in full. Intermediary banks may deduct a fee, Lloyds Bank PLC-Jersey may charge for incoming payments, and if the money is converted, an exchange rate margin applies. For business payments, it is common to agree who bears the costs to avoid a shortfall.

Which of the 9 codes of Lloyds Bank PLC-Jersey do you need?

With 9 codes in 2 locations, Lloyds Bank PLC-Jersey belongs to the banks that use separate codes for parts of the organisation. The main code remains LOYDJEJ1XXX.

Usually there is no need to look up a branch: payments addressed to LOYDJEJ1XXX reach Lloyds Bank PLC-Jersey without problems. Only use a branch code when the recipient explicitly asks for it.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes can change when banks reorganise.

The British Pound and what conversion costs you

The national currency in Jersey is the British Pound (GBP). If you send another currency, the amount has to be converted at some point: by your bank, an intermediary or Lloyds Bank PLC-Jersey itself. There is rarely a separate line for the conversion – the cost sits in the rate.

Where the conversion happens affects the final amount, since every bank sets its own rate. Often you pay less if you send GBP straight away through a transfer service with a good rate, so that the receiving bank does not need to convert again.

The GBP rate fluctuates throughout the day. For recurring payments, a slightly better rate add up over a year.

How long does an international transfer to Lloyds Bank PLC-Jersey take?

How quickly a transfer arrives at Lloyds Bank PLC-Jersey is determined by several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Weekends and public holidays in either country add a day or more. Extra checks on larger or unusual payments can also add a delay, regardless of the details.

When a payment takes longer than expected, ask your bank for the status or the UETR. Money transfer services often provide tracking online showing how far the money has got.

If a payment has not arrived after a few business days, the person who paid should contact their own bank. As a recipient, you can check your statements to see a partial amount, since fees may have been deducted.