Lloyds Bank ClickSafe® (also known as Verified by Visa and MasterCard® SecureCode) is a free service that gives you extra protection when you’re shopping online.
To help protect you from fraud, ClickSafe® assesses each transaction. It either verifies it automatically or asks you for some further information to help make sure it’s you making the payment and not a fraudster.
ClickSafe® covers your Lloyds Bank personal debit cards and credit cards, as well as your business credit/chargecard and debit cards.
When you buy something online, Lloyds Bank ClickSafe® issues a receipt to the retailer at the end of the checkout process.
The receipt includes details of your purchase, such as the site name, purchase amount, and date.
You’ll get a “Processing...” page after you’ve entered your payment details or, in some cases, you may be asked to provide further information to help us verify the payment.
No. Lloyds Bank ClickSafe® is designed to help protect the Lloyds Bank card(s) that you already have.
Many online retailers are already participating in the Lloyds Bank ClickSafe® service. As the service grows, more will be added.
Nothing – it’s free to Lloyds Bank customers.
You’ll need to use one of the following:
- Windows Microsoft® Internet Explorer 5.5 and above
- Windows Netscape Navigator® 7.1 and above
- Windows AOL® 9
- Windows Firefox® 1.0, 2.0 and 3.0
- Opera® 9.5
- Macintosh Safari®
Yes. One of the great advantages of Lloyds Bank ClickSafe® is that you can use it from any computer connected to the web that has a compatible browser.
Some software won’t allow pop-ups. If you have this software installed you must disable it or change the settings to allow pop-ups for Lloyds Bank ClickSafe® to operate properly.
It may be that the retailer doesn’t use Lloyds Bank ClickSafe® yet, but you’ll still be able to buy from them. Simply follow the normal checkout process.
Call us on 0845 3000 044 if you're calling from the UK or +44 1702 278 270 if you're calling from outside the UK.
Lloyds Bank ClickSafe® provides you with extra security when you purchase goods and services online. It is not intended to verify or endorse websites (or the goods and services offered on those websites) which offer the Service. Please read these conditions carefully before using this Service. These conditions should be read in conjunction with ‘Your Banking Relationship with us’ – Personal Banking terms and conditions and/or any other terms and conditions specific to your Account. For commercial accounts these conditions should be read in conjunction with the Business Cardholder conditions for the card and the agreement between the Business and the Bank under which the cards are issued to the Business Cardholders.
Meaning of some words in this agreement
Using this Service
When you use Lloyds Bank ClickSafe®, both these conditions and your Account conditions will apply. If they contradict each other, the relevant condition in your Account conditions will apply.
All Lloyds Bank Card accounts participate in this Service. It is not a requirement to register for the Service prior to using your card online. The Service will assess each transaction and will only be invoked in situations where authentication is required due to the assessed risk of the transaction.
When making a purchase online and authentication is required, you will see a pop up in a new window. You will then be asked to complete some security questions to authenticate your identity. When you have successfully completed the security questions your purchase will be processed.
In a small percentage of high risk transactions the authentication process may not be invoked and the authentication request may be denied. Should this occur contact numbers to our Fraud Contact Centre will be provided to allow genuine transactions to proceed.
Some software may not allow pop-ups. If you have this software installed you must disable it or change the settings to allow pop-ups for Lloyds Bank.
We will check your identity before we can accept any instructions from you or discuss your Accounts. To use the Service you may need to use Security Codes.
If you think someone knows your Security Codes or may be accessing your Account or the Service without your authority you must notify us immediately. You should check statements we send you and let us know urgently about any errors.
As long as we have been given your Security Codes, we are entitled to assume we are dealing with you and will:
However, you/the Business will not be liable for any instructions you do not give yourself, unless we can prove you were acting fraudulently or without reasonable care (for example if you do not tell us as soon as you think someone knows your Security Codes or is accessing your Account without your authority or you broke your obligations in condition 3).
We will collect certain personal information from you for verification and security purposes, which we will pass on to EMC Computer Systems (UK) Ltd or EMC Information Systems for Ireland who is carrying out this Service on our behalf.
Your Security Codes will not be passed on to online retailers participating in this Service.
We may give the police or any prosecuting or regulatory authority any information they need if we think it will help them find out if someone else is using your Security Codes.
For further details about how we use your personal information please see ‘Your Banking Relationship with us’ – Personal Banking terms and conditions and/or any other terms and conditions specific to your Account. For commercial accounts the 'Personal and business data' section of the terms and conditions which apply to the Business current accounts and/or debit or credit/charge cards.
Protection of Software
By using this Service you will not acquire any ownership rights, title or interest in or to the software made available to you.
You must not:
Ending your use of the Service
We may end the Service immediately if you close your Account/s or you no longer have any cards registered for the Service or, by telling you personally and giving you 30 days’ notice.
We may also suspend or end the Service immediately or decline to follow an instruction if we think:
If we do take action, we will act in a manner we reasonably think is proportionate in the circumstances and will tell you before doing so, if we can reasonably do so.
This Service may be ended without notice if such action is required by Visa International Services Association or MasterCard®
International who run the payment systems for the cards used with your Account.
Changes to these conditions
We may change any terms of this agreement. We will tell you personally at least 30 days before we make a change to your disadvantage. We can make any other changes straight away by telling you personally or publishing them on our web site.
This Service may be changed without notice if such action is required by Visa International Services Association or MasterCard® International who run the payment systems for the cards used with your Account.
When we tell you personally about a change we will do so by letter, email or any other way by which communications are sent to you individually.
You can usually use the Service at any time but repairs, updates and routine maintenance to our systems and those of our suppliers mean the Service may be slow or unavailable from time to time. We will not be liable if the Service is unavailable at any time for these reasons.
This Service and these conditions are governed by English law. Any disputes arising from this site shall be resolved by the English courts, unless you can show you accessed the site from Scotland in which case the Scottish courts may be used.
Please remember that email is not a completely secure means of communication; it may be possible for others to intercept and read your messages. So if you choose to send us information by email, it is at your own risk.
If you have a question about the Service, please call 0845 3000 044 if you're calling from the UK and +44 1702 278 270 if you're calling from outside the UK. Calls may be recorded and monitored.
Lloyds Bank plc. Registered Office: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 2065. We are authorised and regulated by the Financial Services Authority.
Lloyds Bank Private Banking Limited. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2019697. Authorised and Regulated by the Financial Services Authority under number 122626.
Lloyds Bank Offshore Limited. Registered Office: PO Box 160, 25 New Street, St. Helier, Jersey, JE4 8RG. Registered in Jersey, number 4029. Regulated by the Jersey Financial Services Commission. We abide by the Jersey Code of Practice for Consumer Lending. The Isle of Man branch of Lloyds Bank Offshore Limited is licensed by the Isle of Man Financial Supervision Commission and registered with the Insurance and Pensions Authority in respect of General Business. The Guernsey branch of Lloyds Bank Offshore Limited is licensed to conduct banking, investment and insurance business by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, the Protection of Investors (Bailiwick of Guernsey) Law 1987 and the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law 2002.
We recommend that you print these conditions for your records.
Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority except for lending where we are licensed by The Office of Fair Trading. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. Lloyds Bank plc is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.
Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.