Business Mobile Banking App

Access your business accounts on the move

Our mobile banking app is a great way to securely access and manage your business accounts on the move. Whether you are on your way to your next meeting, in the office without your PC or on your way home, our app will help you to stay in touch with your finances.

Before you can download the app you will need to be registered for Online for Business, register now.

  • Log on faster using just three characters from your Memorable Information
  • Make payments – pay wages and salaries to your employees as well as suppliers, when you’re on the go
  • Manage your cashflow – Check your balance and transactions to see whether a particular payment has come in or left your account, whilst you’re out and about
  • View and cancel your standing orders and Direct Debits on the move

If you’re reading this on your mobile, tap your app store below to download the app. If you’re not reading this on your mobile, select ‘Get the app’ and we’ll send a SMS of the link to your mobile.

Get the app

Get it on Google Play icon Download on the App Store icon

Get started in three easy steps. It’s really easy and will only take a few minutes. After that you can safely and securely log on with just three characters from your memorable information.

Important: the first time you use the app, you’ll need your card and reader.

Download the app from Apple App Store or Google Play by searching for Lloyds Bank Business Mobile Banking, and follow these three steps:

  1. Open the app. After the welcome screens, log on using your Online for Business username and password.
    Business Mobile Banking App - step 1


  2. Then enter three characters from your memorable information. If you don’t have memorable information set up, you can identify yourself using your card and reader. You’ll then need to set up memorable information within the app.
    Business Mobile Banking App - step 2


  3. Use your card and reader to complete device registration.
    Business Mobile Banking App - step 3

Once complete, you’ll be asked how quickly you want to be logged off from the app when your device remains inactive – this is for security purposes.

That’s it! You’re now ready to access your business accounts on the move. Registering your device with your card and reader has created a secure link between your mobile device and your Internet Banking profile. From now on, you can log onto the app using just three characters from your memorable information.

Our promise

We will always:

  • quote your Internet Banking user ID or the last four digits of your account number. By default this will be your main account
  • greet you personally using your title and surname
  • use links in our emails that will only ever go to a page on www.lloydsbank.com or www.lloydsbankbusiness.com. We will never link directly through to our Internet Banking logon page or ask for your personal details
  • use the sender addresses info@email.lloydsbank.com or insurance@email.lloydsbank.com.
  • We'll never ask you to transfer any of your money out of your account to another account that you don’t recognise.
  • There’s no risk involved if you receive a phishing email. Just delete it. You can report it by forwarding it to emailscams@lloydsbanking.com. For any general queries please visit our help centre.

Internet Banking security

How you can protect yourself

While we work hard to protect you and your money, here are a few simple steps you can take to protect yourself.

Never share your mobile security information with anyone, and don’t store it on your device. Always set up a password or PIN to access your mobile device(s). All users of Business Internet Banking must have their own logon details, including memorable information. If someone else in the business needs to access the business account online, they’ll need to register.

All our business apps, including our new Business Mobile Banking app, are only available from Google Play or the Apple App Store. Always use the official Lloyds Bank Business Mobile Banking app to do your banking.

We recommend that you keep your mobile operating system up to date to ensure you have the latest security enhancements. Contact your mobile phone provider and ask them for advice on software to protect you from viruses and other online hazards.

Leaving it switched on could put your mobile device at risk from unauthorised access.

Remember, we’ll never ask you for your security information.

This helps keep our customers' personal information safe. ‘Jailbreaking’ or ‘rooting’ means removing safeguards from a phone, so a wider range of apps can be installed – including unofficial ones. When a device has been jailbroken or rooted, it makes it easier to install apps that haven't been properly screened for malware, leaving the device vulnerable to fraudulent attacks.

To limit the possibility of being hacked.

Criminals may use emails, text messages or phone calls to lure you into revealing information such as credit card and bank account numbers, passwords and logon details. These could then be used to commit fraud using your details.

Some customers have advised us they’ve received calls from people claiming to be from Lloyds Bank or other well-known organisations. If you receive any suspicious calls just hang up, wait for at least five minutes for the line to clear and then call us to report the incident using the enquiry number on the back of your debit or credit card. Where possible, call us using a separate phone line from the one on which you received the call.

How we protect you

The app’s safety features include:

  • Secure logon. By registering you will create a secure link between your mobile device and your Online Banking profile. This only needs to be done once on each device you use, and then you only have to enter three characters from your memorable information to access your account(s). Each time you log in, the digits we’ll ask for from your memorable information will be different. And for your added protection, we’ll lock your account after three incorrect attempts.
  • An automatic logoff. You can set up how long your mobile device stays inactive before it logs you out of our app.
  • Fraud detection systems. We monitor your account(s) for any unusual activity.
  • Account suspension. We’ll temporarily disable your account(s) after a number of incorrect logon attempts, in case fraudsters are trying to guess your details.

Getting started

For most customers, this should take just a few minutes. If you don’t yet have Memorable Information set up, you can identify yourself using your card and card reader. You'll then need to set up Memorable Information within the app or Online Banking. You will need to use a card and card reader to register your device.

You must be an existing Online for Business user to use the app. If your account is not set up with Memorable Information you’ll need to use a card reader and card the first time you use the app. This allows you to set up new Memorable Information. If you're not fully registered for Internet Banking, you can do this via our desktop website before you can use the app. You will also need to register your device using a card reader the first time you use the app.

There isn’t currently an app for mobile devices other than iPhone or Android. We’ll continue to make improvements to our Mobile Banking services and to provide new features.

No. Only business banking can be carried out with this app.

We don’t charge for Mobile Banking. You just pay your normal business transaction charges. Your network provider may charge for connectivity when not using a wireless connection, please confirm with your network provider.

If you're changing your mobile phone, just download the app and install it again. The app works on most Apple iOS and Android devices.

We continuously add enhancements and new functionality to Mobile Banking, and our latest apps are even better than before.
We want to ensure that all our customers can experience the full benefits of these upgrades and have taken the decision to stop supporting older versions of the app.

Logging in and out

This is a 'timeout' feature that stops you from accidentally leaving your bank account open on your mobile device. You'll be logged off automatically after a period of inactivity during your current mobile banking session. You can select how long this is in the ‘settings’ option.

The app will automatically log you off after your device remains inactive for the period of time you selected during setup. To manually log off, click the Settings icon in the top right of any screen, followed by Log off.

If you've forgotten your Online for Business password or memorable information, don’t worry, you can reset it on our PC or laptop Online for Business site. Select 'forgotten your password’ or ‘forgotten your username’ on the welcome screen for more details and follow the security steps to verify your identity and reset your details.

You can also reset your password through the app’s Settings menu. Select ‘ Forgotten your password?' and follow the security steps to reset your password.

Yes your username, password and memorable information are the same whether you use a computer or mobile device to access your accounts online. If you don’t yet use memorable information, you’ll be asked to set it up the first time you use the app.

Yes, if you also have Internet Banking with us for your personal accounts, your username, password and memorable information are the same for business banking.

Features within the app

Yes, the app is very secure. You can find out more in our security section.

We take your online security seriously, that’s why we use state-of-the-art anti-fraud systems to identify any unusual activity. We also give you peace of mind with our online fraud guarantee. We guarantee to refund your money in the unlikely event you experience fraud with our Online for Business Internet Banking service – as long as you've been careful, for example, by taking reasonable steps to keep your security information safe. We protect you with safeguards that meet industry standards.
All banking data sent between the app and the bank is securely encrypted. However, you should still take precautions to help keep your data secure, such as:

  • Never share your logon details with anybody. If you want to give someone else access to your accounts, set up delegate access for them (full access or view only)
  • Never respond to emails that ask you to supply your logon details. These are known as phishing emails. We would never ask you to supply your logon details
  • Keep your mobile operating system up to date to ensure you have the latest security enhancements
  • Always enable your mobile phone's security lock or passcode
  • Switch off Bluetooth when you’re not using it
  • Don't accept or open any apps or MMS messages from unknown senders
  • Check and install any software your mobile device provider offers to protect you from online viruses and other hazards
  • Treat the security of your mobile device in the same way as you’d treat the security of a PC.

If you lose your mobile phone, no-one can log on to your account without your Memorable Information, but you should call us immediately on 0345 300 0116Call telephone number 0345 300 0116 or Textphone 0345 300 2280Call telephone number 0345 300 2280 (open 7am to 10pm Monday to Friday and 8am to 6pm Saturday and Sunday).

Call us immediately on +44 1733 232 030Call telephone number +44 1733 232 030. We’re available from 7am to 10pm Monday to Friday and 8am to 6pm Saturday and Sunday.

If you have problems with speech or hearing you can contact us using a textphone from a landline on 0345 300 2280Call telephone number 0345 300 2280 (or +44 1733 347 515Call telephone number +44 1733 347 515 from outside the UK). We’re available from 7am to 10pm Monday to Friday and 8am to 6pm Saturday and Sunday.

“Jailbreaking” or “rooting” means removing safeguards from a phone, so a wider range of apps can be installed – including unofficial ones. When a device has been jailbroken or rooted, it makes it easier to install apps that haven't been properly screened for malware, leaving the device vulnerable to fraudulent attacks. To keep our customers' personal information safe and secure, we don't allow jailbroken or rooted devices to access the app. If you decide to reset your phone to its original manufacturer settings, you should then be able to start using the new app.

If you lose your mobile phone no-one can log on to your account without your Memorable Information, but you should call us immediately on 0345 300 0116Call telephone number 0345 300 0116 or Textphone 0345 300 2280Call telephone number 0345 300 2280 (open 7am to 10pm Monday to Friday and 8am to 6pm Saturday and Sunday).

Yes, you can make payments to existing payees without your card and card reader. New recipients will need to be set up via Online Banking with your card and card reader.

Yes. The app is compatible with standard device screen readers to help you use both Mobile Banking and the branch and ATM locator if you are sight-impaired. To use a screen reader, you'll need to enable the accessibility options in your device settings.

You can quickly and easily look through several years of both current and savings accounts transactions.

The app doesn't currently enable you to set up or amend standing orders, while Direct Debits can only be set up by the person or organisation you’re paying. Please visit the desktop site to set up or amend standing orders.

Yes, depending on your level of access, you can cancel standing orders set up on your accounts if you are registered for Mobile Banking. On the account details screen, select the ‘Standing orders’ tab, find the standing order you want to stop and tap ‘delete’.

We make payments from your account shortly after midnight at the start of the due date. If your payment date falls on a non-working day, then we will try to collect it the next working day. If there are insufficient funds in your account to pay a standing order after 3.30pm on the day the payment is due, we will continue to try to make the payment each working day for up to 26 days in total. If we can’t make the payment by the second day after it was due, then we may charge a returned item fee of £35. We will, however, only charge once for each item that isn’t paid, even if we continue to try to make the payment over the 26 days. If we charge a returned item fee then we will write to let you know about the failed payment.

If there are insufficient funds at the beginning of a day to make a Direct Debit, you have until 3.30pm to pay money into your account to make the payment that day and avoid overdraft fees and charges. If a payment is not received and the direct debit is paid which takes you into excess of any agreed overdraft facility you will be charged an unauthorised borrowing fee of £15. If the direct debit is returned you will be charged a return item fee of £35.

Pending debit card transactions are transactions that have been authorised for payment, but which haven’t been taken from your account balance. Pending paid-in cheques are cheques which have been received by us but which are not yet available to spend.

Yes, depending on your level of access, you can cancel Direct Debits set up on your accounts if you are registered for Mobile Banking. On the account details screen, select the ‘Direct Debits’ tab, find the Direct Debit you want to stop and tap ‘Cancel’. Check the details carefully and be sure you really want to cancel a Direct Debit before confirming. Once it’s cancelled, you can only set it up again by contacting the company you’re paying and completing a new Direct Debit instruction.

If you’re cancelling a regular payment, it’s possible that the next payment will still be made even when you’ve cancelled it. This depends on when the next payment is due to be processed. You’ll see a message to let you know if this applies.

Security

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Our fraud guarantee

We’re committed to making the Business Mobile Banking app as secure as possible. Your information and privacy are protected by the latest technology and our online fraud guarantee.

We guarantee to refund your money in the unlikely event you experience fraud with our Online for Business service – as long as you’ve been careful, for example, by taking reasonable steps to keep your security information safe.

Find out more about online security

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Latest Updates

  • View pending debit card transactions, cheques being processed and one-off pending payments you’ve set up to be made in the next 30 days
  • Reset your password in the settings menu

We don’t charge you for Mobile Banking but your mobile operator may charge you for certain services such as downloading or using the app, so please check with them. Our new app requires iOS 8.0 or above, or Android 4.2 or above. Internet Banking registration required. Services may be affected by phone signal and functionality. Use of Mobile Banking is subject to our Business Internet Banking Terms and Conditions.


Important legal information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 0207 626 1500.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 119278.

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. For further information about the compensation provided by the FSCS, refer to the FSCS website at www.fscs.org.uk/Visit the Financial Services Conduct Authority website. You can also visit our Financial Services Compensation Scheme page for more details.