Help & Support
Log on to Online for Business – Using your Card Reader
Log on securely using three characters from your memorable information, or with your Card Reader.
The easiest way to log on to Online for Business is to tell us you’re on a trusted device.
This means we’ll usually only ask you for three characters from your memorable information, as well as your password, each time you log on.
Sometimes we may ask you to use your Card Reader, so it’s a good idea to always have one to hand.
How your card reader works
Card readers generate unique, one-time passcodes used to help identify you and to confirm some of your online banking activities, especially payments.
We’ll prompt you each time you need to use it. Simple on-screen instructions will always guide you through the steps to take.
Your card reader holds no personal information about you and does not need to be connected to a computer.
Once you’ve received your card reader, you’ll need to activate it. To do this, follow this process:
Step one: Log on to Online for Business as usual, entering your user ID and password. If you’re new to Online for Business go directly to step three.
Step two: If you are already an Online for Business user, select the ‘I have everything I need’ option and press ‘continue’.
Step three: Check that the last five digits of the card you’re using with the card reader match the details shown on the screen. If they don’t they can be overtyped with the last five digits of the card you want to use.
Step four: Slide this card into the card reader as shown below. Your reader will switch on automatically when you insert the card.
Step five: Press the Identity button on the card reader. The card reader display will show ENTER PIN.
Step six: Key the PIN for the card you’re using into the card reader and press enter.
Step seven: Once you’ve entered your PIN correctly, your card reader will show an eight-digit number – this is your passcode.
Key this passcode into the box shown on the Internet Banking screen and press ‘continue’.
Step eight: You will now be asked to set up your memorable information. This will give you the choice to log on in future using either the card reader or memorable information.
If you already have a personal account you will be given the option of completing log on using either your card reader or three characters from the same memorable information that you use to access your personal accounts with us online: If you choose memorable information, select the three indicated characters from the drop-down boxes and click ‘continue’.
Your log on is now complete. In future, when logging on you’ll only need to follow steps three to seven after entering your user ID and password.
We’ll ask you to use your card reader in two different ways when you’re online.
If you choose to use your card reader to log on to Online for Business, you’ll need to use the ‘Identify' function to confirm your identity. We’ll ask you to use the ‘Identify' function to ensure the requests are really coming from you and not a fraudster who has obtained your details.
- Insert the card into the card reader and press IDENTIFY.
- Enter your PIN number and press ‘ENTER’ on card reader.
- Card reader will now display 8 digit passcode to be entered in the logon page to access your accounts.
This function will be required for setting up new recipient (including setting up standing orders and bulk payments) or to set up your Business Mobile Banking app.
- Insert the card into the card reader and press RESPOND
- Enter your PIN number and press ‘ENTER’ on card reader
- Enter the number displayed on the screen in your card reader and press ‘ENTER’
- Card reader will now display 8 digit passcode to be entered in the payment page to complete the transaction
For help setting up your Mobile Banking app visit our Business Mobile Banking guide.
At the moment we will not ask you to use the 'Sign' function for any transaction.
Any requests to use 'Identify, Respond or Sign' when not carrying out the activities listed in the table below should be treated as a potential fraud attack. If in any doubt, terminate your online session and call us immediately on 0345 300 0116 (+44 20 7649 9437 from overseas).
As usual, 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.
Identify, respond and sign
Log on (using card reader)
Make a payment
Amend the date of a payment
Amend the date or frequency of a standing order
Order a copy statement
Set up a new recipient
Set up a standing order
Set up a new Bulk Payment
Add or amend a Bulk Payment recipient
Set up a Bill Payment
Passcodes are randomly generated and are unique. Your card reader will produce a new passcode each time you use it, so you won’t need to remember them or write any of them down.
To increase the size of the card reader display, just press the button on the card reader button when a passcode appears.
We’ve made payments in Online for Business easier and quicker.
Your Card Reader is now needed for fewer online transactions.
- When making payments to people and companies you’ve paid before you’ll be asked to provide the same password you use to log in.
- When setting up a new recipient you’ll still use your Card Reader, but you’ll use the ‘Respond’ key, rather than ‘Identify’ to generate a passcode.
Online for Business will remain secure.
Paying a person or company you’ve paid before
Instead of using your Card Reader, you’ll be asked to input your password to confirm the payment. This is the same password you use to log in to Online for Business.
Setting up a new payment recipient or standing order
You’ll need to use the ‘Respond’ key on your Card Reader, instead of ‘Identify’.
This change ensures Online for Business payments remain secure.
To generate a passcode using ‘Respond’ please follow the on-screen instructions when making a payment or setting up a new standing order.
- Insert the card into the Card Reader and press RESPOND.
- Enter your PIN number and press ‘ENTER’ on card reader.
- Enter the number displayed on the screen in your Card Reader and press ‘ENTER’.
- Card Reader will now display an 8 digit passcode to be entered in the payment page to complete the transaction.
If you have a disability that prevents you from using your card reader, we can supply you with an audio card reader – just call us on 0345 300 0116.
This works in exactly the same way as a standard card reader but has additional audio functionality. It holds no personal information about you and does not need to be connected to your computer at any time.
To activate the audio function, just turn the dial upwards before inserting your card. Audio instructions will guide you through the steps you need to take. The audio reader has built-in speakers or for added security you can use headphones.
Your audio card reader will time out and turn off after 90 seconds of inactivity. To reactivate it, simply remove and reinsert your card into the reader.
When pressing a key on the audio card reader, always ensure that you hear the voice prompt before pressing another key. Keys pressed during the voice prompts are not recognised by the reader.
To repeat a voice prompt, press the 'clear' button.
When the audio function is switched off, you can press the '0' key to increase the size of the unique eight-digit code generated by the audio card reader. When the audio function is switched on, press '0' repeatedly to hear the code repeated back to you one number at a time. A single 'beep' will tell you when you reach the end of the code.
- 1. Jump to Do I need a card reader to make payments?
- 2. Jump to What is the Respond function?
- 3. Jump to What should I do if I need a replacement card reader?
- 4. Jump to What happens if my card reader is stolen?
- 5. Jump to What happens if I don’t have my card reader or it’s not working, and I need to access Online for Business?
- 6. Jump to Can I have more than one card reader?
- 7. Jump to I have a disability that may prevent me from using my card reader, what can I do?
- 8. Jump to Which cards can I use with my card reader?
- 9. Jump to I have several business accounts, all with business debit cards – which of them do I use?
- 10. Jump to What if someone else in the business needs to access the business account online?
- 11. Jump to The log on screen does not show the right card number. What should I do?
- 12. Jump to What should I do if I need a replacement authentication card?
- 13. Jump to What happens if I’ve forgotten the PIN for my card?
- 14. Jump to If I get my PIN wrong will it block my card?
- 15. Jump to I’m overseas and have forgotten/blocked my PIN. How do I unblock it?
- 16. Jump to Do I need to use my card reader for my personal Internet Banking as well?
- 17. Jump to How long does the battery last on the card reader?
- 18. Jump to What should I do with my old card reader batteries?
- 19. Jump to I’ve had a replacement card reader because my old one was faulty. What should I do with my old card reader?
Do I need a card reader to make payments?
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.Back to top
What is the Respond function?
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.
What should I do if I need a replacement card reader?
If your card reader is faulty, damaged or lost you can order a replacement by logging onto Internet Banking using your memorable information and selecting ‘order an additional card reader’ from the right-hand menu. If you haven’t yet set up memorable information click on the ‘unable to log on’ button from the initial Online for Business log on page. You’ll be asked to fill in some details and then need to choose from four options. If you’re having problems ordering your replacement card reader, call the Internet Banking helpdesk on 0345 300 0116.Back to top
What happens if my card reader is stolen?
Your card reader holds no personal information about you, so no one will be able to access your accounts online just by having your card reader. If it is stolen, you can order a replacement by clicking on the 'unable to log on' button from the initial Online for Business log on page. Alternatively, call the Internet Banking helpdesk on 0345 300 0116.Back to top
What happens if I don’t have my card reader or it’s not working, and I need to access Online for Business?
You can log on using your memorable information to view your accounts. Any other UK bank card reader should work with your card in the same way. The card reader holds no personal information about you. As long as you have your card and your PIN, you should still be able to generate passcodes. Only use a card reader from a trusted UK source. If you don’t have access to a card reader, call the Internet Banking helpdesk on 0345 300 0116.Back to top
Can I have more than one card reader?
Yes, you can order an additional card reader from Online for Business, by clicking on the 'order card reader' link in the right-hand menu. There may be a charge for additional card readers.Back to top
Which cards can I use with my card reader?
If you have a Business Debit Card you should use this with the card reader. Otherwise we will have provided you with a special authentication card solely for generating passcodes.Back to top
I have several business accounts, all with business debit cards – which of them do I use?
You can use any card for any of your accounts, however you’ll need to use the same card for the duration of each session.
What if someone else in the business needs to access the business account online?
Don’t share your log on details with anyone. All users of Online for Business must have their own log on details, including memorable information. If someone else in the business needs to access the business account online, they’ll need to register.
The log on screen does not show the right card number. What should I do?
We assume you want to use the same card you used the last time you logged on. If this is not the case, over type the last five digits shown with the numbers of the card you want to use.
If I get my PIN wrong will it block my card?
Yes, if you get your PIN wrong three times the card reader will show ‘PIN locked’ and you won’t be able to use your card. If you know your PIN you can unlock your card at any Lloyds Bank Cashpoint® machine in the UK, or you’ll need to call us on 0345 072 5555 to order a new PIN.Back to top
I’m overseas and have forgotten/blocked my PIN. How do I unblock it?
Your PIN cannot be unblocked using an overseas ATM. We’ll need to issue a new card and PIN.Back to top
Do I need to use my card reader for my personal Internet Banking as well?
No. The security provided by your card reader is specially designed for business accounts, which can have high transaction levels, lots of money coming in and out, and multiple users accessing the same account.
We use different verification procedures, such as enhanced internet authentication (EIA), to protect our personal customers and their information, which we believe better suit their needs.Back to top
How long does the battery last on the card reader?
The length of battery life will depend on how much the reader is used. The reader takes four LR44 replaceable batteries that can be bought from many retailers. A ‘battery low’ warning message will be displayed on the card reader display when the batteries need replacing.Back to top
What should I do with my old card reader batteries?
These can be recycled using your local authority’s recycling facilities.Back to top
I’ve had a replacement card reader because my old one was faulty. What should I do with my old card reader?
Our card reader manufacturer is a Waste Electrical and Electronic Equipment (WEEE) registered supplier. You should be able to recycle your old card reader using the facilities provided by your local authority.Back to top