There are two methods of logging on to Internet Banking – using our card reader or memorable information. You’ll still need your card reader to make payments, set up recipients and for other transactions.
Card readers generate unique, one-time passcodes used to help identify you and to confirm some of your online banking activities, especially payments. We’ll prompt you each time you need to use it and simple on-screen instructions will always guide you through the steps to take. Your card reader holds no personal information about you and does not need to be connected to a computer.
Memorable information is a memorable word or phrase that you set up the first time you log onto Internet Banking. When you log on in future you will be asked to enter your user ID, your password and you’ll then be given the option to use either your card reader or memorable information. If you choose memorable information you will be asked to enter three characters eg the second, fourth and eighth character. This allows you to log in without your card and card reader, making it even easier and more convenient to access your business accounts online whenever and wherever is convenient to you.
Once you’ve received your card reader, you’ll need to activate it. To do this, follow this process:
Step one: Log on to Online for Business as usual, entering your user ID and password. If you’re new to Online for Business go directly to step three.
Step two: If you are already an Online for Business user, select the ‘I have everything I need’ option and press ‘continue’.
Step three: Check that the last five digits of the card you’re using with the card reader match the details shown on the screen. If they don’t they can be overtyped with the last five digits of the card you want to use.
Step four: Slide this card into the card reader as shown below. Your reader will switch on automatically when you insert the card.
Step five: Press the Identity button on the card reader. The card reader display will show ENTER PIN.
Step six: Key the PIN for the card you’re using into the card reader and press enter.
Step seven: Once you’ve entered your PIN correctly, your card reader will show an eight-digit number – this is your passcode.
Key this passcode into the box shown on the Internet Banking screen and press ‘continue’.
Step eight: You will now be asked to set up your memorable information. This will give you the choice to log on in future using either the card reader or memorable information.
If you already have a personal account you will be given the option of completing log on using either your card reader or three characters from the same memorable information that you use to access your personal accounts with us online: If you choose memorable information, select the three indicated characters from the drop-down boxes and click ‘continue’.
Your log on is now complete. In future, when logging on you’ll only need to follow steps three to seven after entering your user ID and password.
We’ll ask you to use your card reader in two different ways when you’re online.
If you choose to use your card reader to log on to Online for Business, you’ll need to use the 'identify' function to confirm your identity. We’ll also ask you to use the 'identify' function when setting up a new recipient and requesting copy statements to ensure these requests are really coming from you and not a fraudster who has obtained your details.
If you use the bulk payments feature you will also be asked to use the 'identify' function when adding or amending recipients.
When authorising payments we’ll ask you to use the 'sign' function.
Using the 'sign' function will authorise the release of money from your account. When we prompt you to use the 'sign' function, in addition to your PIN, we will always ask you for information about the transaction that you must know – the destination account number and the full payment amount, to ensure it’s you making the payment.
Any requests to use 'sign' when not carrying out the activities listed in the table below should be treated as a potential fraud attack. If in any doubt, terminate your online session and call us immediately on 0845 3000 116 (+44 20 7649 9437 from overseas).
As usual, 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’ or ‘sign’ codes from your card and reader.
We will not ask you to use the 'respond' function for any transaction other than to set up your Business Mobile Banking app.
What cards can I use with the card reader?
You need a card and PIN so the card reader can identify you and generate passcodes.
If you have a Business Debit Card, use that with your card reader. If you don’t have one, we’ll provide you with a special authentication card with its own PIN. This is only for use with the card reader.
Passcodes are randomly generated and are unique. Your card reader will produce a new passcode each time you use it, so you won’t need to remember them or write any of them down.
To increase the size of the card reader display, just press the button on the card reader button when a passcode appears.
If you have a disability that prevents you from using your card reader, we can supply you with an audio card reader – just call us on 0845 3000 116.
This works in exactly the same way as a standard card reader but has additional audio functionality. It holds no personal information about you and does not need to be connected to your computer at any time.
To activate the audio function, just turn the dial upwards before inserting your card. Audio instructions will guide you through the steps you need to take. The audio reader has built-in speakers or for added security you can use headphones.
Your audio card reader will time out and turn off after 90 seconds of inactivity. To reactivate it, simply remove and reinsert your card into the reader.
When pressing a key on the audio card reader, always ensure that you hear the voice prompt before pressing another key. Keys pressed during the voice prompts are not recognised by the reader.
To repeat a voice prompt, press the 'clear' button.
When the audio function is switched off, you can press the '0' key to increase the size of the unique eight-digit code generated by the audio card reader. When the audio function is switched on, press '0' repeatedly to hear the code repeated back to you one number at a time. A single 'beep' will tell you when you reach the end of the code.
If your card reader is faulty, damaged or lost you can order a replacement by logging onto Internet Banking using your memorable information and selecting ‘order an additional card reader’ from the right-hand menu. If you haven’t yet set up memorable information click on the ‘unable to log on’ button from the initial Online for Business log on page. You’ll be asked to fill in some details and then need to choose from four options. If you’re having problems ordering your replacement card reader, call the Internet Banking helpdesk on 0845 3000 116.
Your card reader holds no personal information about you, so no one will be able to access your accounts online just by having your card reader. If it is stolen, you can order a replacement by clicking on the 'unable to log on' button from the initial Online for Business log on page. Alternatively, call the Internet Banking helpdesk on 0845 3000 116.
You can log on using your memorable information to view your accounts. Any other UK bank card reader should work with your card in the same way. The card reader holds no personal information about you. As long as you have your card and your PIN, you should still be able to generate passcodes. Only use a card reader from a trusted UK source. If you don’t have access to a card reader, call the Internet Banking helpdesk on 0845 3000 116.
Yes, you can order an additional card reader from Online for Business, by clicking on the 'order card reader' link in the right-hand menu. There may be a charge for additional card readers.
An audio card reader, which provides audio instructions, is available on request by calling 0845 3000 116.
If you have a Business Debit Card you should use this with the card reader. Otherwise we will have provided you with a special authentication card solely for generating passcodes.
You can use any card for any of your accounts, however you’ll need to use the same card for the duration of each session.
Don’t share your log on details with anyone. All users of Online for Business must have their own log on details, including memorable information. If someone else in the business needs to access the business account online, they’ll need to register.
We assume you want to use the same card you used the last time you logged on. If this is not the case, over type the last five digits shown with the numbers of the card you want to use.
If you need a replacement authentication card, call us on 0845 072 5555.
You’ll need to know the PIN for your card in order to use it with your card reader. If you have forgotten your PIN call us on 0845 072 5555 and we’ll send you a new one.
Yes, if you get your PIN wrong three times the card reader will show ‘PIN locked’ and you won’t be able to use your card. If you know your PIN you can unlock your card at any Lloyds Bank Cashpoint® machine in the UK, or you’ll need to call us on 0845 072 5555 to order a new PIN.
Your PIN cannot be unblocked using an overseas ATM. We’ll need to issue a new card and PIN.
No. The security provided by your card reader is specially designed for business accounts, which can have high transaction levels, lots of money coming in and out, and multiple users accessing the same account.
We use different verification procedures, such as enhanced internet authentication (EIA), to protect our personal customers and their information, which we believe better suit their needs.
The length of battery life will depend on how much the reader is used. The reader takes four LR44 replaceable batteries that can be bought from many retailers. A ‘battery low’ warning message will be displayed on the card reader display when the batteries need replacing.
These can be recycled using your local authority’s recycling facilities.
Our card reader manufacturer is a Waste Electrical and Electronic Equipment (WEEE) registered supplier. You should be able to recycle your old card reader using the facilities provided by your local authority.
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