Understanding and modeling of a surface-plasmon phenomenon on lossy metals interfaces based on simplified models of dielectric function lead to problems when confronted with reality. For a realistic description of lossy metals, such as gold and silver, in the optical range of the electromagnetic spectrum and in the adjacent spectral ranges it is necessary to account not only for ohmic losses but also for the radiative losses resulting from the frequency-dependent interband transitions. We give a detailed analysis of Surface Plasmon Polaritons (SPPs) and Localized Surface Plasmons (LPSs) supported by such realistic metal/dielectric interfaces based on the dispersion relations both for flat and spherical gold and silver interfaces in the extended frequency and nanoparticle size ranges. The study reveals the region of anomalous dispersion for a silver flat interface in the near UV spectral range and high-quality factors for larger nanoparticles. We show that the frequency-dependent interband transition accounted in the dielectric function in a way allowing reproducing well the experimentally measured indexes of refraction does exert the pronounced impact not only on the properties of SPP and LSP for gold interfaces but also, with the weaker but not negligible impact, on the corresponding silver interfaces in the optical ranges and the adjacent spectral ranges.