Online for Business - Frequently Asked Questions


Our Internet Banking (also called Online for Business) is a quick, easy and secure way for you to manage your business finances when and where it suits you best. Internet Banking can save you time, effort and money.

You can:

  • View account balances and transactions for business sterling accounts.
  • Make payments via Faster Payments or BACS.
  • Make up to 25 payments in one batch.
  • Set up and manage standing orders.
  • Manage Direct Debits.
  • View transactions on your account.
  • Apply for other products and services such as business loans, overdrafts, credit cards and savings accounts online.
  • Print your statement or download it into a financial software package.
  • View forecast payments and forecast cleared balances to help manage your money.
  • Apply for free Text Alerts - we'll send your account balance and up to the last six transactions to your mobile.
  • Apply for other products and services such as business loans, overdrafts and savings accounts online.
  • Set up delegate access allowing individuals other than the account signatory to access accounts online.
  • Set individual payment limits for Internet Banking users.
  • Set up multiple authorisations online – choose two or three of your Internet Banking users to authorise all online payments.
  • Make International payments.

There is no charge for using the Internet Banking service. Charges may apply for operating your bank account and making transactions, and charges from your Telecoms Provider and/or Internet Service Provider (ISP) for using the Internet will still apply.

Internet Banking is available 24 hours a day, 7 days a week*.

No, you need to log on separately to access you personal and business accounts.

Business current account
Visit our business current account page for more information.

Business overdraft
Visit our business overdraft page for more information and to enquire online.

Business loan
Visit our business loan page for more information and to enquire online

Business credit card
Visit our cards page for more information and to apply online.

Business insurance
Visit our business insurance page for more information.

Visit our Commercial Mortgage or Residential buy-to-let Mortgage pages for more information and to enquire online.

You can contact the Online for Business Helpdesk for queries relating to internet banking and mobile banking on 0345 300 0116Call telephone number 0345 300 0116 (+ 44 (0)207 649 9437Call telephone number +44 (0)207 649 9437 from overseas). Lines open 7am to 10pm Monday to Friday or 8am to 6pm at weekends.

You can access Online for Business from your desktop computer, smart phones and tablets.

No, Online for Business should run on any web browser with the equivalent functionality of Microsoft Internet Explorer v. 7.0 or above.

Yes, as long as you have internet access and your card and card reader.

Please follow the link for our complaints procedure. Alternatively, you can ask in branch for a 'Voicing your concerns' leaflet which details the process. Clicking on any of the above links will open another window.


You will need to complete an online registration form. This is completely secure and will only take a few minutes to complete.

Once you have completed the pre-populated form, sign it and post it to the address on the bottom of the form. If you do not receive your welcome pack after 12 working days, please call our Internet Banking helpdesk on 0345 3000 116Call telephone number 0345 3000 116 (+44 1733 232030Call telephone number +44 1733 232030 from overseas) or textphone 0345 300 2280Call telephone number 0345 300 2280. Lines are open between 7am-10pm from Monday to Friday, or between 8am-6pm at weekends. Calls from abroad will be charged at the service providers published tariffs. Your call may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

You can choose to set different levels of online access for each of your internet banking users, depending on their role and your business requirements. There are three user access levels to choose from: Full access user (for account signatories only); Full access delegate user and View only user.

Full Access (Account Signatories) Full Access (Delegate) View Only Access (Delegate)
View current and historic statements




Check balances, view recent transactions across current, deposit and business loan accounts




Pay bills to another person or company without the need for a cheque




Set up or amend individual payment limits for Delegate users




Online service to allow 2 or 3 users to authorise all payments




Make up to 25 payments at one time with our multiple time payments facility




Transfer money between your Lloyds Bank business accounts




Set or amend and cancel most standing orders




View and cancel most Direct Debits**



View Only
Print your statement or download it into a financial software package




Apply for a business loan, overdraft, savings account and Business Credit Card




Trust account



Apply for View Only Access

If you are a Trust account holder, you need to apply for View Only Access (Delegate). This option provides access to the business accounts held, enabling the user to see accounts, balances, recent transactions and historic statements, but not carry out any actions.

If you apply for Full Access, your application will be returned to you and you will need to reapply for View Only Access (Delegate).

To apply for View Only Access (Delegate), follow the steps below:

Step 1. On the internet banking registration homepage please select “No” to the “Are you an Account Signatory?” question before pressing continue.  You will be then be taken to the Delegate registration form.

Internet banking registration homepage:

Delegate registration

Step 2. On the printed form that you complete at the end of the online process please check either the box marked “View Only access to all accounts” or “View Only access to the accounts selected below”.

Printed delegate registration form:

Delegate registration form

A potential delegate user will need to register for Internet Banking - choosing the level of delegate access you have decided best fits their role.
Once we’ve processed your application we’ll post your welcome pack within 7 days. If you haven’t heard from us either by post or email (if you’ve provided your email address during registration), please call us on 0345 300 0116Call telephone number 0345 3000 116. If you have a hearing or speech impairment, you can contact us using Textphone on 0345 300 2280Call telephone number 0345 300 2280. Our opening hours are Monday to Friday, 7am – 10pm; Saturday – Sunday, 8am – 6pm. If you’re calling from outside the UK call +44 (0)207 649 9437Call telephone number +44 (0)207 649 9437. Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

If you would like to remove or amend an existing delegate user, or upgrade them to a Full Access user, you will need to complete a Mandate Variation request using the following steps:

  1. Open a Mandate Variation request
  2. Complete the “Amend Online for Business access for existing users” section on the “Changes to Individuals” page
  3. Generate and download the PDF form
  4. Print the form and collect the required signatures
  5. Return the form to the address stated on the form<

Please note: this form will be blocked on a mobile phone to ensure our customers can clearly read all the information. You can use a laptop, desktop or tablet with an up to date browser.

Yes you can. If you would like to change the access level for yourself or another user, you can do this by completing an Internet user variation request form. You'll need to print and complete this, then return it to:

Lloyds Bank
Online Helpdesk
PO BOX 800
Tredegar Park
South Wales
NP10 8SB

No, in order to close your Internet Banking account please call the Helpdesk on 0345 300 0116Call telephone number 0345 300 0116.

Log on

There could be a number of reasons for you not being able to log on to your Business Internet Banking account:


The information is mentioned in the table below.

Transaction Limit Account Daily Limit
Internal Funds Transfer (same name account) £250,000 No Limit
Internal Funds Transfer (third party) £50,000 £250,000
Bill Payments £99,999 £250,000
Faster Payments £25,000 £250,000
Internal Standing Order £99,999 £250,000
External Standing Order £99,999 £250,000
International Payment £75,000 £75,000

If you have at least two Lloyds Bank accounts that you can transfer money between, the expandable 'Make a quick transfer' tool will show at the top left of 'Your accounts' page. Check for business.

A message will appear, confirming the transfer or giving a reason why we can't carry out your request.

To pay another person, company or non-Lloyds Bank account, use the 'Make a payment' button to the right of each account name on 'Your accounts' page. Or select the 'Payments' tab on an account's statement page. From this tab, you can:

  • View pending payments and change or cancel them.
  • View recipients that you've added in the past; make a payment to them; or delete them from your list.
  • Add a recipient to your list.

When you log in to Online for Business, you will be able to see them by clicking on 'Pending debit card transactions and cheques being processed' on your account statement page.

To have your address updated, either drop into your local branch or download a Change of address formPDF opens in a new window and send it completed to:

Lloyds Bank,
Box 1,
BX1 1LT.


Online fraud costs UK banks and their customers tens of millions of pounds each year. Fraudsters are making full use of new technology such as spyware and malware to hijack customers’ online banking sessions. To make our Online for Business as secure as possible we have introduced card reader technology when you bank online with us.

For your safety – we will only ever ask you to generate an access code using the ‘Sign’ function to authorise a payment that you have initiated. Any requests to use ‘Identify, Respond or Sign’ on your card reader when not carrying out this activity should be treated as a potential fraud attack. When we prompt you to use the ‘Sign’ function, we always ask you to confirm your PIN, the destination account number and the full payment amount as well. You will never be contacted by the bank phone to "reconfigure" or "resynchronize" your Card & Reader.

If in any doubt, terminate your on-line session and call us immediately on 0345 300 0116Call telephone number 0345 300 0116 (+44 (0)207 649 9437Call telephone number +44 (0)207 649 9437 from overseas). Lines are open from 7am to 10pm Monday to Friday and from 8am to 6pm on Saturdays and Sundays. As usual, please make sure nobody is watching you whenever you enter your PIN into the card reader, or when entering passcodes into the Internet Banking screens. We will never call you to ask for any Identify, Respond or Sign codes from your card and reader.

Using a card reader makes your online business banking as secure as possible and reduces the risk of a fraud attack. The additional levels of security the card reader brings will also allow us to offer other online business related services in the future. Refer to the card reader FAQsPDF opens in a new window for more information.

To make a payment to a new beneficiary you will be required to use your card reader for verification. To make a payment to an existing beneficiary you can simply use your password that you use for login.

The Respond key on a card reader is used for setting up or amending a new beneficiary or a standing order. Please follow the on screen instructions to generate a passcode.

You can unlock your card reader at any branch. Alternatively, call our Internet Banking helpline on 0345 3000 116Call telephone number 0345 3000 116. In both cases, you'll be taken through some security questions so that we can verify your identity. Please ensure you have relevant documentation to proceed with these checks.

Go to the log onto reset your password page and click on 'Forgotten password?' You'll be taken through some security questions so that we can verify your identity. Once your details have been confirmed, you can reset your password. Please note that you will need your card and card reader for this.

Go to the log onto retrieve your username page and click on 'Forgotten your User ID?' You'll be taken through some security questions so that we can verify your identity. Once your details have been confirmed, your User ID will be displayed on screen.

If you have a Lloyds Personal Internet Banking account then you are able to change your username as it is the same for both your personal and Online for Business accounts. You are able to change your personal Internet Banking account username which will also be applied to you Online for Business account, hence changing your username.

For more FAQs, please visit our Help Centre where you can ask us a question and get an instant answer from our FAQs database.

* Occasionally we may need to carry out essential maintenance, resulting in some interruption to service.

Important legal information

Lloyds Bank plc is 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.

Calls may be recorded for our mutual protection, training and monitoring purposes.