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Debit cards

Use your debit card to pay for anything from a cup of coffee to a holiday.

About debit cards

What is a debit card?

A debit card is a payment card that allows you to make transactions online and in shops for any number of goods and services, and takes payment directly from your bank account. Millions of people use debit cards, and you get one with most Lloyds Bank current accounts.

With a debit card, you can:

  • book or buy online, in shops, or over the phone
  • take out money from any Cashpoint® in the UK, or cash machines around the world
  • use your card worldwide, whenever you see the Visa symbol
  • call us 24 hours a day if you have a problem with your Lloyds Bank debit card

Many debit cards are now contactless, which makes paying for everyday things even easier.

Find out more about contactless

Emergency telephone numbers

If your debit card is lost or stolen, call:

You can also report your cards lost or stolen through Internet Banking

Log on

If your card is declined, you have unrecognised transactions, or you need a new PIN, call:

You can also order replacement cards and PINS through Internet Banking

Log on

Using your debit card at home

Your debit card is the easy way to pay for most things, all over the UK.

  • Use for everyday shopping or big purchases
  • Shop in-store, online or over the 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

The amount you can withdraw at a Cashpoint or other cash machines is £300 per day if you have a Cash Account, and £500 per day if you hold any other Lloyds Bank current account.

Using your debit card abroad

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.

Just a few reasons for using your debit card abroad:

  • 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 (although fees apply)

You can use your debit card to withdraw money at a 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 travel

Some tips to ensure you can use your Visa debit card hassle-free when you go abroad:

  • If you plan to use your Visa debit card when you’re abroad, don’t forget to notify us before you travel. You can let us know by logging on to Internet Banking and selecting Going abroad? Tell us in your account tools, in branch or by phone on 0345 300 0000.
  • 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. We promise we won’t use your number for marketing purposes unless you’ve already agreed to it.
  • 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 a day with a Cash Account, and £500 for all other current accounts.
  • Register for overseas Text Alerts
  • Remember to check our overseas debit card charges thoroughly.

Using your debit card with Save the Change

If you use Internet Banking, 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 to the nearest pound, and the difference is transferred into your eligible Lloyds Bank savings account.

Find out more about Save the Change

Debit card security

We’re always working hard 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 0345 300 0000.

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.

If you’re calling from outside the UK, you might be charged, so remember to check the published tariff of the telephone service provider before you dial.

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

With these tips in mind, you should be protected from becoming a victim of fraud. Remember to always stay vigilant when using your debit card.

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. 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.

We may monitor or record telephone calls to check we have carried out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff.