Glossary - Definition of Banking & Money Terms
Glossario - Definizione dei Termini Bancari & Monetario

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Participation Ratio

The 'Participation Ratio' is the ratio used when we work out how much of the FTSE 100 Index's growth (if any) is returned upon the account maturing.


A payment (sometimes called a bill payment) is a way of transferring money from your account to someone else's UK bank account.

The recipient of the payment is sometimes called the 'beneficiary'. Payments can be made to either an individual or a business.

Payment Protection Cover

Payment Protection Cover can take care of your card payments if you are unable to work due to an accident, sickness or unemployment.


A pension is a steady income given to a person (usually after retirement).

Pensions are typically payments made in the form of a guaranteed annuity to a retired or disabled employee.

Pension Plan

A Pension plan is an investment plan which can provide a lump sum and an income after retirement.

A Pension plan is sometimes used as a way of providing a lump sum to repay the capital of an interest only mortgage.

Personal Loan

A personal loan is a convenient way of borrowing money for almost any purpose, and fixed monthly repayments mean it's easy to budget your finances without having to worry about changes to interest rates.


Phishing scams are emails that may appear to be real, but they ask you to enter personal information or they have links to websites that may look genuine but aren’t. When 

you click on a link or enter your personal details, the information is sent to someone other than your bank or other service providers. 

If you receive a phishing email, stay calm.

There is no risk in receiving it. Just delete it. You can report it by forwarding it to


A podcast is a digital recording of a radio broadcast or similar program, made available on the Internet for downloading to a personal audio or video player.


PrivacyGuard® is a fraud protection product that can cover you against problems that arise as a result of identity theft, providing expert help and support when you suspect you've fallen victim to fraud.

The PrivacyGuard® team of identity fraud specialists will investigate any suspected fraudulent activity, and help you get your credit rating restored.

Private Banking

Lloyds Bank Private banking is an enhanced banking designed exclusively for you if you hold at least £250,000 worth of investable assets.

As we act independently and aren't tied to any particular financial products, your objectives will be the focus of our recommendations.

AVVERTENZE D'UTILIZZO: Il presente glossario contiene una definizione dei termini più frequentemente utilizzati nel mondo delle Banche e Monetario.
La spiegazione di ciascuno dei termini indicati in questo glossario è di carattere meramente orientativo e priva di valore legale; si raccomanda, quindi, di tenere conto del contesto e dell'evento in cui essi vanno applicati, in quanto il significato loro attribuito potrebbe differire rispetto a quello qui rappresentato.

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