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.

I've noticed suspicious activity

I've noticed suspicious activity

Do you think someone has accessed your Lloyds Bank account? Call us immediately on

0345 300 0116
or +44 20 7649 9437 from outside the UK.

Have you noticed an unrecognised transaction? Find out how to resolve.

I need a textphone number

I need a textphone number

If you have a hearing or speech impairment please call

0345 300 2280
or +44 1733 347 515 from outside the UK.

I received a strange email from Lloyds Bank

I received a strange email from Lloyds Bank

We’ll never ask you to log on and check your account, so learn what to do if you get such an email.

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

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

Report online fraud

I don’t recognise a transaction

What we're doing to keep you secure

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
  • Protection when you’re shopping online with Lloyds Bank ClickSafe®.

Find out more

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.

How to deal with social engineering

Find out what to do when you receive unsolicited email messages or phone calls asking you to install software, to allow access to your computer or to reveal any personal or financial information.

Find out more

Tips for dealing with malware

Our guides will help you understand if your computer has been affected, and how to remove or report malware.

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. Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). 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 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.


All links within our emails will go to a page on www.lloydsbank.com, 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 email.lloydsbank.com or www.lloydsbank.com. 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.