View and pay your bills

Stay on top of bills and credit card payments with Internet Banking. Make secure international payments, and keep an eye on your Direct Debits and standing orders.

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What you can do

Making a payment to another person is easy. Just add a new recipient every time you pay a person for the first time.

Once you’ve set up a recipient, select them from your existing recipients list and click on Make a payment.

You can also make payments to a mobile phone number. Pay a Contact allows you to send and receive money between your friends and family. It works using just a mobile number instead of a sort code and account number.

Find out more about Pay a Contact.

Example of a Lloyds Bank statement

The first time you pay a bill or a credit card, you’ll need to add the company you are paying as a new recipient and give us their billing details. If you don’t have them, use our search tool to find the company you want to pay.

If you want to pay the same company again, click the name, type in the amount to pay and specify when you’d like the payment to leave your account. You’re done in an instant.

The vast majority of payments will now arrive within two hours.

To pay your Lloyds Bank credit cards click on the link displayed on the Popular searches section and follow the instructions on your screen, or select the Pay Credit Card button displayed next to your Credit Card Account on the ‘your accounts’ page.

Example of a Lloyds Bank statement

Managing your payments online is easy – you can do it from one page. Click on your account’s name or icon. You can then use the different tabs to access your:

  • statement
  • existing recipients
  • pending debit card transactions and cheques paid in being processed
  • Direct Debits and standing orders

Example of a Lloyds Bank statement

The Faster Payments Scheme (FPS) is a free and secure service to transfer money.

  • Your money will usually reach the destination account in a matter of hours
  • Money paid to you can be credited to your account within two hours of being received
  • Faster Payments can be made 24 hours a day, 7 days a week 
  • Faster Payments can be sent immediately or set up for the future.


This total daily account limit amount can be a combination of:

  • Bill payments
  • Payments to individuals
  • New standing orders
  • Travel money
  • The value of any increase in a standing order.

What you need to know

When you make a payment online all payments go through Faster Payments if they fall within the scheme limit and the receiving sort code is able to receive Faster Payments.

The money will reach the recipient's account usually within 2 hours but can sometimes take up to close of business the next working day from the date the payment is sent.

How much you can pay and how long it takes

Different payment types have different limits. To help you the table below shows you how much you can send and how long it’ll take.

Transfer money between your
existing Lloyds Bank accounts
Making a Faster Payment to
another account*
Transaction limit
Up to £1,000,000 Up to £25,000
The limit for Under 19s Account holders is £500
Received Immediately Within two hours*

* Most Faster Payments will be received by the beneficiary within 2 hours, but you should allow upto close of business the next working day.

Check your Direct Debits

Monitor your outgoings when you keep track of your Direct Debits online. You can:

  • see all your Direct Debits including when they were last paid and their frequency.
  • cancel your Direct Debits – although it’s always worth contacting the company you’re paying to confirm the cancellation, so no payments are taken by mistake (especially if you’re still receiving services from them).

You can’t set up Direct Debits to other companies online – that needs to done by the company you are paying. If you want to set up a Direct Debit to your Lloyds Credit Card Account just go to the Ways to pay tab on your Credit Card Account in Internet Banking on the ‘your accounts’ page.

Manage your standing orders

It’s easy to set up and manage standing orders online. These are payments of a fixed amount, to people and companies, at a regular time chosen by you.

To set up a standing order, you’ll need to know:

  • the recipient’s details, account number and sort code
  • the amount you want to pay them, and the frequency
  • the date of the first payment.

You may also need a reference if you’re paying a company.

You can see, add, change or delete any of your standing orders online whenever you want – it’s also a great way to save regularly from your current account or make payments to a credit card.

If you need some help with setting up standing orders, just call us on 0845 3 000 000.

A reminder about payment of Standing Orders/Direct Debits/Cheques/Future Dated Payments

We make payments from your account shortly after midnight at the start of the due date.  If your payment date falls on a non-working day, then we will try to collect your payment the next working day.

If you don’t have enough funds in your account at this point to make a payment, we will try to make a payment again after 3.30pm the same day.  This gives you the chance to put extra funds into your account so that we can make the payment.  The money needs to be available to use straight away, so you could transfer money from another personal account you have with us via Internet, Mobile or Telephone Banking or pay in cash over the counter in branch.

If you do not have enough funds at the beginning of a day to make a payment:

  • You have until 3.30pm to pay money into your account to make the payment that day
  • If a payment takes you into any type of overdraft, you have until midnight to pay money into your account to avoid overdraft fees and charges.

Standing Orders and Future Dated Payments

If you don’t have enough funds in your account to pay a standing order after 3.30pm on the day the payment is due, we will continue to make the payment each working day for up to 26 days in total.  If we can’t make the payment by the second day after it was due, then we may charge a returned item fee of £10.  We will, however, only charge one for each item that isn’t paid, even if we continue to try to make the payment over the 26 days.  If we charge a returned item fee then we will write to let you know about the failed payment.


  • What’s the difference between Direct Debits and standing orders?

    A Direct Debit is a method of payment where you give a company permission to withdraw money from your account and pay it into their account. Many companies offer a discount or special terms for customers who choose to pay in this way, making it an ideal method for paying utility bills such as electricity. Only companies can be paid using this method, not individuals.

    A standing order is an instruction you give to your bank to pay a fixed amount to someone else or to one of your own eligible Lloyds Bank accounts on a regular basis, for a set amount of time. The payments are taken from your account on agreed dates, usually monthly.

  • Which bills can I manage online?

    We're adding new companies all the time. At the moment, these are the companies from which you can view, manage and pay bills:

    • Anglian Water
    • Atlantic Electric and Gas
    • Bournemouth & West Hampshire Water
    • Bristol Water
    • Colchester Borough Council
    • E.ON
    • Ecotricity
    • Essex and Suffolk Water
    • Northumberland County Council
    • Northumbrian Water
    • RSPB Energy
    • Scottish Hydro Electric
    • Southern Electric
    • Sutton & East Surrey Water
    • SWALEC
    • Thames Water
    • Virgin Media
    • Wessex Water

Paying bills using Internet Banking is simple. There’s no need for paper bills and you can even make one-off payments to pay off part or all of your bills online. With Lloyds Bank Bill Manager you can:

  • get email alerts as new bills arrive
  • view bill details from several companies
  • make bill payments online
  • keep an online record of paid bills
  • Are all payments sent by Faster Payments Service?

    All online payments are made through Faster Payments provided the payment amount is within the FPS limits. The money will reach the recipient's account usually within 2 hours but can sometimes take up to close of business the next working day from the date the payment is sent. The bank account that you are sending the money to will need to be able to accept Faster Payments

  • What if I’m making a payment to my Lloyds Bank credit card?

    If you’re making a payment to your Lloyds Bank credit card, this will not be reflected on your online credit card statement until the next working day.

  • Will regular payments I receive from other people be sent by Faster Payments, and will they be faster?

    Regular payments from other people will be sent via Faster Payments provided the bank sending them is part of the Faster Payments Service and can send Faster Payments. If the Faster Payments Service is used then payments received will be faster.

  • How long does it take to transfer money between my accounts?

    Transfers made between your own personal Lloyds Bank accounts are made instantly.

  • What if I have made a payment to the wrong account?

    If you make an online payment we will always ask you to check and confirm your payment instruction. You are responsible for checking the details are correct.

    If you have made a payment using the wrong account details, or if you have made a payment using incorrect account information, please check if the payment has been returned to your account. It often is. If so, simply resend the payment with the correct details. If the money hasn't been returned however, you need to contact the recipient’s bank directly to arrange repayment.