Online for Business - Frequently Asked Questions

We have compiled a list of answers and solutions to frequently asked questions; see our trending FAQs or choose from the options below.

Trending FAQs

  • 1.
    I have multiple profiles/user names.

    You should only have one user ID which is the same for both personal and business accounts. When completing your application the system should identify your existing user ID, if this does not happen, please do not proceed with the application and contact us on 0345 300 0116.

    Back to top
  • 2.
    I have filled out the application for Internet Banking, what happens next?

    The paperwork needs to be returned to the address provided. Once received, it will be checked and approved, provided that it has been signed in accordance with the existing mandate. You will then be sent your log on details, an authentication card (if applicable) and a card reader. If you haven't heard back from us, please contact the Online Help Desk on 0345 300 0116.

    Back to top
  • 3.
    I have applied for Internet Banking, why have you requested additional information?

    There are numerous reasons why we may need additional information including:

    • We do not hold a signature for you on file
    • The signature on the form does not match what we hold on file for you
    • The form has not been signed in accordance with the mandate
    • The details on the form do not match what we hold on file
    • Your access level or payment controls are unclear
    • Listed accounts are not showing for the business

    If we have requested additional information please contact us on 0345 300 0116.

    Back to top
  • 4.
    My card-reader isn't working.

    If you have locked your card reader, please follow these steps:

    1. Log on
    2. Having problems logging on?
    3. Fill out your details
    4. Select unblock card reader
    5. You will be prompted to call us and provided with a reference number

    If you are having functionality problems, e.g. your batteries have run out, please call us on 0345 300 0116 and we will issue you a new card reader. Alternatively, card readers require 4x LR44s 1.5v batteries.

    Your local branch will also be able to provide you with a new card reader.

    Back to top
  • 5.
    I haven't received my new card-reader.

    Please follow these steps:

    1. Log onto Internet Banking
    2. Click on the Admin drop down option on the top right hand side
    3. Click on Order additional card reader

    how to order an additional card reader

    Alternatively, please call us on 0345 300 0116 and an advisor will be able to order a new reader.

    Back to top
  • 6.
    I am locked out of my account, what can I do?

    Please try to log back into your Internet banking using your ID and password. If you are still experiencing problems follow the reset process online or call us on 0345 300 0116 and an advisor will be able to assist you.

    Back to top
  • 7.
    Why has my payment been referred for further checks?

    If your payment has been referred, you will need to call in as advised on the screen. One of our advisors will take you through additional security in order to process the payment.

    Back to top
  • 8.
    I've paid the wrong person in error.

    Please call the Internet Banking Help Desk on 0345 300 0116 to discuss. An advisor will attempt to trace the funds and arrange for these to be returned to you, this is done on a best endeavours basis.

    Back to top
  • 9.
    Why has my online payment not been sent?

    There are numerous reasons why your online payment may not have been sent including:

    • You've exceeded the payment limit
    • A payment has been made in error
    • Beneficiary hasn't received the funds

    Alternatively, please call us on 0345 300 0116 and we will be able to assist you further.

    Back to top
  • 10.
    My authentication card has expired or hasn't arrived.

    You are also able to use your Business Debit Card to log onto Internet Banking.

    Alternatively, please call us on 0345 300 0116 and an advisor will be able to order a new reader.

    Back to top
  • 11.
    How do I register for text alerts or change my text alert preferences?

    If you are registered for Internet Banking, you can download our mobile app to have access to your balance on the move. If you are not registered for Internet Banking, you can sign-up for text alerts by calling 0345 072 5555. If you already receive text alerts you can also pause, resume or cancel alerts by calling this number.

    Lines are open 7am to 8pm Monday to Friday and 9am to 2pm on Saturday, except on UK bank holidays.

    Back to top

General

Registration

  • You will need to complete an online registration form. This is completely secure and will only take a few minutes to complete.

    Once you have completed the pre-populated form, sign it and post it to the address on the bottom of the form. If you do not receive your welcome pack after 12 working days, please call our Internet Banking helpdesk on 0345 3000 116 (+44 1733 232030 from overseas) or textphone 0345 300 2280. Lines are open between 7am-10pm from Monday to Friday, or between 8am-6pm at weekends.

    Calls from abroad will be charged at the service providers published tariffs. Your call may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

  • To get a new pre-populated application form, please call the Helpdesk on 0345 300 0116.

  • You can choose to set different levels of online access for each of your internet banking users, depending on their role and your business requirements. There are three user access levels to choose from: Full access user (for account signatories only); Full access delegate user and View only user.

    What are the different levels of access?

     

    Full Access (Full Power Signatories)

    Full Access (Delegate)

    View Only Access (Delegate)

     

    View current and historic statements

    Full Access (Full Power Signatories)

    Full Access (Delegate)

    View Only Access (Delegate)

     

    Check balances, view recent transactions across current, deposit and business loan accounts

    Full Access (Full Power Signatories)

    Full Access (Delegate)

    View Only Access (Delegate)

     

    Pay bills to another person or company without the need for a cheque

    Full Access (Full Power Signatories)

    Full Access (Delegate)

    View Only Access (Delegate)

     

     

    Set up or amend individual payment limits for Delegate users

    Full Access (Full Power Signatories)

    Full Access (Delegate)

     

    View Only Access (Delegate)

     

     

    Online service to allow 2 or 3 users to authorise all payments

    Full Access (Full Power Signatories)

    Full Access (Delegate)

     

    View Only Access (Delegate)

     

     

    Make up to 25 payments at one time with our multiple time payments facility

    Full Access (Full Power Signatories)

    Full Access (Delegate)

     

    View Only Access (Delegate)

     

     

    Transfer money between your Lloyds Bank business accounts

    Full Access (Full Power Signatories)

    Full Access (Delegate)

    View Only Access (Delegate)

     

     

    Set or amend and cancel most standing orders

    Full Access (Full Power Signatories)

    Full Access (Delegate)

    View Only Access (Delegate)

     

     

    View and cancel most Direct Debits**

    Full Access (Full Power Signatories)

    Full Access (Delegate)

    View Only Access (Delegate)

    View Only

     

    Print your statement or download it into a financial software package

    Full Access (Full Power Signatories)

    Full Access (Delegate)

    View Only Access (Delegate)

     

    Apply for a business loan, overdraft, savings account and Business Credit Card

    Full Access (Full Power Signatories)

    Full Access (Delegate)

     

    View Only Access (Delegate)

     

     

    Trust account

    Full Access (Full Power Signatories)

    Full Access (Delegate)

    View Only Access (Delegate)

  • If you are a Mayfair account holder, you need to apply for View Only Access (Delegate). This option provides access to the business accounts held, enabling the user to see accounts, balances, recent transactions and historic statements, but not carry out any actions.

    If you apply for Full Access, your application will be returned to you and you will need to reapply for View Only Access (Delegate).

    To apply for View Only Access (Delegate), follow the steps below:

    Step 1. On the internet banking registration homepage please select “No” to the “Are you an Account Signatory?” question before pressing continue.  You will be then be taken to the Delegate registration form.

    Internet banking registration homepage:

    Delegate registration

    Step 2. On the printed form that you complete at the end of the online process please check either the box marked “View Only access to all accounts” or “View Only access to the accounts selected below”.

    Printed delegate registration form:

    Delegate registration form
  • A potential delegate user will need to register for Internet Banking - choosing the level of delegate access you have decided best fits their role.
    Once we’ve processed your application we’ll post your welcome pack within 7 days. If you haven’t heard from us either by post or email (if you’ve provided your email address during registration), please call us on 0345 300 0116. If you have a hearing or speech impairment, you can contact us using Textphone on 0345 300 2280.

    Our opening hours are Monday to Friday, 7am – 10pm; Saturday – Sunday, 8am – 6pm. If you’re calling from outside the UK call +44 (0)207 649 9437. Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

  • You can complete our online Mandate Variation form builder if you would like to remove or amend an existing delegate user, or upgrade them to a Full Access user.

  • Yes you can. If you would like to change the access level for yourself or another user, you can do this by completing an Internet user variation request form (PDF). You'll need to print and complete this, then return it to:

    Lloyds Bank
    Online Helpdesk
    PO BOX 800
    Tredegar Park
    Newport
    South Wales
    NP10 8SB

  • No, in order to close your Internet Banking account please call the Helpdesk on 0345 300 0116.

Log on

Functionality

  • The information is mentioned in the table below.

    Are there any online payment limits per account?

     

    Transaction Limit

    Account Daily Limit

     

    Internal Funds Transfer (same name account)

    Transaction Limit

    £250,000

    Account Daily Limit

    No Limit

     

    Internal Funds Transfer (third party)

    Transaction Limit

    £250,000

    Account Daily Limit

    £250,000

     

    Bill Payments

    Transaction Limit

    £99,999

    Account Daily Limit

    £250,000

     

    Faster Payments

    Transaction Limit

    £250,000

    Account Daily Limit

    £250,000

     

    Internal Standing Order

    Transaction Limit

    £99,999

    Account Daily Limit

    £250,000

     

    External Standing Order

    Transaction Limit

    £99,999

    Account Daily Limit

    £250,000

     

    International Payment

    Transaction Limit

    £250,000

    Account Daily Limit

    £250,000

  • If you have at least two Lloyds Bank accounts that you can transfer money between, the expandable 'Make a quick transfer' tool will show at the top left of 'Your accounts' page. Check for business.

    A message will appear, confirming the transfer or giving a reason why we can't carry out your request.

  • To pay another person, company or non-Lloyds Bank account, use the 'Make a payment' button to the right of each account name on 'Your accounts' page. Or select the 'Payments' tab on an account's statement page. From this tab, you can:

    • View pending payments and change or cancel them.
    • View recipients that you've added in the past; make a payment to them; or delete them from your list.
    • Add a recipient to your list.
  • When you log in to Online for Business, you will be able to see them by clicking on 'Pending debit card transactions and cheques being processed' on your account statement page.

  • To have your address updated, either drop into your local branch or download a Change of address form (PDF) and send it completed to:

    Lloyds Bank,
    Box 1,
    BX1 1LT.

    If you are using Google Chrome please right click on the link above, then ‘Save link as…’ and save the form on your desktop. If you are still having trouble opening the form, click here for more troubleshooting support.

Security

  • Online fraud costs UK banks and their customers tens of millions of pounds each year. Fraudsters are making full use of new technology such as spyware and malware to hijack customers’ online banking sessions. To make our Online for Business as secure as possible we have introduced card reader technology when you bank online with us.

    For your safety – we will only ever ask you to generate an access code using the ‘Sign’ function to authorise a payment that you have initiated. Any requests to use ‘Identify, Respond or Sign’ on your card reader when not carrying out this activity should be treated as a potential fraud attack. When we prompt you to use the ‘Sign’ function, we always ask you to confirm your PIN, the destination account number and the full payment amount as well. You will never be contacted by the bank phone to "reconfigure" or "resynchronize" your Card & Reader.

    If in any doubt, terminate your on-line session and call us immediately on 0345 300 0116 (+44 (0)207 649 9437 from overseas). Lines are open from 7am to 10pm Monday to Friday and from 8am to 6pm on Saturdays and Sundays.

    As usual, please make sure nobody is watching you whenever you enter your PIN into the card reader, or when entering passcodes into the Internet Banking screens. We will never call you to ask for any Identify, Respond or Sign codes from your card and reader.

  • Using a card reader makes your online business banking as secure as possible and reduces the risk of a fraud attack. The additional levels of security the card reader brings will also allow us to offer other online business related services in the future. Refer to the card reader FAQs (PDF) for more information.

  • To make a payment to a new beneficiary you will be required to use your card reader for verification. To make a payment to an existing beneficiary you can simply use your password that you use for login.

  • The Respond key on a card reader is used for setting up or amending a new beneficiary or a standing order. Please follow the on screen instructions to generate a passcode.

  • You can unlock your card reader at any branch. Alternatively, call our Internet Banking helpline on 0345 3000 116. In both cases, you'll be taken through some security questions so that we can verify your identity. Please ensure you have relevant documentation to proceed with these checks.

  • Go to the log on page and click on 'Forgotten password?' You'll be taken through some security questions so that we can verify your identity. Once your details have been confirmed, you can reset your password. Please note that you will need your card and card reader for this.

  • Go to the log on page and click on 'Forgotten your User ID?' You'll be taken through some security questions so that we can verify your identity. Once your details have been confirmed, your User ID will be displayed on screen.

  • If you have a Lloyds Personal Internet Banking account then you are able to change your username as it is the same for both your personal and Online for Business accounts. You are able to change your personal Internet Banking account username which will also be applied to you Online for Business account, hence changing your username.

    For more FAQs, please visit our Help Centre where you can ask us a question and get an instant answer from our FAQs database.

* Occasionally we may need to carry out essential maintenance, resulting in some interruption to service.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. 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. Telephone: 020 7626 1500

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

All lending is subject to status.
We don’t charge you for Mobile Banking but your mobile operator may charge you for certain services such as downloading or using the app, so please check with them. You will need a smartphone running iOS or Android. The app is not compatible with some older versions of the operating systems – check the Apple App Store or Google Play for more details. Business Internet Banking registration required. Services may be affected by phone signal and functionality. Use of Mobile Banking is subject to our Business Internet Banking Terms and Conditions.
SEPA Direct Debits cannot be managed using Online for Business. You will need to contact your creditor directly to inform them that you wish to cancel or transfer your SEPA Direct Debit
Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on Lloyds Banking Group can be found at lloydsbankinggroup.com.
Lloyds Bank plc is an introducer to Arthur J. Gallagher Insurance Brokers Limited who arrange and administer Lloyds Bank Business Insurance Services and source products from a panel of insurers.