Debit cards

Your debit card at a glance

  • Pay for anything from a holiday to a cup of coffee.
  • Book or buy securely online or by phone.
  • Take out cash at cash machines around the world.
  • Accepted worldwide, wherever you see the Visa symbol.
  • Any problems with your card? Call us 24/7


Your Visa debit card is the easy way to pay all over the UK.

  • Use for everyday shopping or big buys
  • Shop in store, on line or by phone
  • Pay bills easily, whether they’re one-off or regular
  • Withdraw cash at Lloyds Bank Cashpoint® machines or other cash machines
  • Skip the cash machine queues – get up to £50 cashback at most supermarkets

You can withdraw up to £300 per day if you hold a Cash account Visa debit card. If you hold any other Lloyds Bank Visa debit card then you can withdraw up to £500 per day.

Use your Visa debit card for shopping and cash withdrawals abroad, just as you do at home – wherever you see the Visa symbol. There are fees for using your debit card abroad. See full details on debit card charges.

  • Accepted all over the world
  • No need to carry large amounts of cash
  • Get an automatic record of the transaction   
  • Protection against fraud for any unauthorised spending
  • Shop online in any currency. Fees apply.

You can use your debit card to withdraw money at an cash machine or over the counter at any bank displaying the Visa symbol. You can withdraw money up to your limit in sterling as long as you have cleared available funds in your account. You’ll need to know your PIN and have some ID (a valid passport will do) when you withdraw money from a bank.

Before you go

To use your Visa debit card hassle free when you go abroad:

  • Make sure we have your up-to-date mobile or best contact number***. You can update your details in branch or through Phonebank® or Internet Banking.
  • Save our overseas number +44 (0) 1733 347 007 on your mobile in case you need to get in touch with us.
  • Make sure you know your PIN (personal identification number) – you may need to use it in some countries.
  • Remember that daily cash withdrawal limits still apply overseas. You can withdraw up to £300 per day if you hold a Cash account Visa debit card. If you hold any other Lloyds Bank Visa debit card then you can withdraw up to £500 per day.
  • Register for overseas text alerts. 

See overseas debit card charges

You can sign up for Save The Change®. It’s such an easy way to save that you don’t have to do anything.

Every time you use your debit card, the amount you spend will be rounded up the to the nearest pound and the difference is transferred into your eligible Lloyds Bank savings account.

Better card security

We’re always working to make sure your Lloyds Bank Visa debit card has the latest security and fraud prevention features.

Our automated protection service

If our systems pick up spending patterns on your account that might indicate fraud, we have measures in place to keep your money safe. Usually, our automated telephone service will call you so you can confirm that you made the purchase – and if you think it’s fraudulent, our operators are ready to help.

If we can’t reach you we may ask the person you’re paying to perform extra checks, or, exceptionally, we may stop further purchases until we are sure it is you. To make sure we can contact you, please ensure we have your up-to-date mobile or best contact number by calling 0845 3 000 000

What happens if you’re subjected to fraud?

As soon as we’re aware of fraud our expert operators will put a stop to it. We’ll ensure you are reimbursed for any losses incurred through no fault of your own. We will also send you a new card as soon as possible.  

Calls that claim to be Lloyds Bank

Rarely, a fraudster may try to call you pretending to be from Lloyds Bank. We will never ask you to divulge, in full, any passwords or sensitive account information. If you are ever in doubt about the authenticity of a call, or have questions about our automated calling service, please call us.

In the UK: 0800 096 9779

From abroad**: (+44) 1702 278 270

What you can do

To help minimise the risk of fraud:

  • Only buy online from known retailers
  • Always look out for the padlock symbol at the top of your browser window
  • Never tell anyone your PIN or Internet Banking log on details

Always shred receipts and documents containing personal information before disposing of them

Emergency numbers

Lost or stolen

In the UK:

0800 096 9779

From abroad:

(+44) 1702 278 270

You can report your cards lost or stolen through Internet Banking

Declined card, unrecognised transactions or new PIN

In the UK:

0845 3 000 000

From abroad:

(+44) 1733 347 007

You can order replacement cards and PINS through Internet Banking

Save the Change®

Save a few pennies every time you spend with your Lloyds Bank Visa debit card, into your own savings account or nominate a family member's account.

Find out moreFind out more about Save the Change®