Online security

Banking should always be as safe as possible. We use the latest online security measures to protect your money, your personal information and your privacy.

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Staying secure online

Steps you can take

There are simple solutions you can put in place to keep you and your information safe online. Find out how you can:

  • Use anti-virus software.
  • Prevent spam.
  • Secure your wireless connection.
  • Keep your operating system up to date.

Find out moreabout steps you can take to keeping you and your information safe online

Tools for staying safe online

Minimise the risk of identity theft with ID Awareabout ID Aware

Get extra protection when you’re shopping online with Lloyds Bank ClickSafe®about Lloyds Bank Clicksafe®

Security Help and Guidance

Report it

Security checklist

See our must-do tips for:

  • Staying safe on social networking sites.
  • Creating a strong password.
  • Guarding against email scams.
  • Checking website security.

Find out more

Our security measures

We use cutting-edge technologies to make sure you’re safe when you bank online with us. These include:

  • Fraud detection systems.
  • Automatic log-off.
  • Secure log-on.
  • Simple extra checks when you set up a new payment in Internet Banking.

Find out moreabout how to stay secure online

Our fraud guarantee

We guarantee to refund your money (including charges and interest that you’ve paid or not received as a result) in the unlikely event that you experience fraud with our Internet Banking service. We will take steps to protect you 24/7, using technology and safeguards that meet or exceed industry standards, but you must also use our online banking services carefully.

Being careful when you use our services includes, for example, that you:

Do all that you reasonably can to keep your Security Details (such as online and mobile username, password, and memorable information) secure, and you log off after each Internet Banking session.

Don’t let anyone else have access to your account or Security Details, or transact using them, even if they share a joint account with you through our Internet Banking services.

Tell us, as soon as you can if you think your Security Details have been lost, stolen, damaged or are being misused; or think someone may be accessing your accounts without your authority, or has discovered your Security Details.

Carry out regular virus checks on your devices.

If you've been grossly negligent, we will not refund any money taken from your account before you have told us your Security Details have been lost, stolen or could be misused.

We won't give you a refund if you have acted fraudulently.

For further guidance on using our online banking services - see our Internet Banking terms and conditions.

Tips for avoiding email fraud

  • Get the facts about phishing.
  • How to recognise a phishing email.
  • What to do if you get a suspicious email.

Find out moreabout phishing scams

Tips for avoiding identity theft

  • Get the facts about identity fraud.
  • How to stay safe on social networking sites.
  • Simple steps for protecting your identity from fraudsters.

Find out moreabout identity theft

Tips for dealing with malware

  • How to know if your computer has been affected.
  • Removing malware.
  • Reporting malware.

Find out moreabout malware

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Report it

If you suspect that any of your Lloyds Bank accounts have been accessed online by someone other than you, you need to tell us straight away.

0345 300 0116Call telephone number 0345 300 0116

(or +44 20 7649 9437Call telephone number +44 20 7649 9437 from overseas).

If you have a hearing or speech impairment, please call:

TEXTPHONE 0345 300 2280Call telephone number 0345 300 2280

(or +44 1733 347 515Call telephone number +44 1733 347 515 from overseas).

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Our online and mobile banking guarantee

We guarantee to refund your money in the unlikely event you experience fraud with our 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.

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Fraud Guidance

Read our handy tips and case studies to help keep your bank account and money safe.

Download Fraud Guidance bookletPDF, opens in a new window

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Internet Banking

Make the most of your account, 24/7.

Register nowfor online banking

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Apply online today

You can apply for a Cash ISA Saver if you are:

  • 16 or over
  • Resident in the UK for tax purposes

Apply now

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.

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.

ClickSafe® is a registered trademark of Lloyds Bank plc

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.

Personalisation. We will always greet you personally using your Title and Surname. We will never use ‘Dear User’ or ‘Dear Valued Customer’. Where you hold an existing account with us, we will quote the last four digits of your account number, such as your current account, savings account or credit card. If you don’t yet have an account with us but we have your postal address details, we may use part of your postcode. Internet Banking-related emails may also include your Internet Banking User ID.

Links. All links within our emails will go to a page on, or to trusted Government regulatory websites (e.g. Financial Ombudsman, Financial Conduct Authority, etc). Research emails may take you to a partner research company website but you will not be asked for any Internet Banking log in details. In fraudulent emails, website addresses may appear genuine on first sight, but if you hover your mouse over the link without clicking, it may reveal a different web address. On our genuine emails the link address always starts with or We will never link direct through to our Internet Banking log in page or to a page that asks for your security or personal details.