Find out how to avoid invoice scams when you use your business account.
Set up a SPOC
A SPOC is a person or team you can talk to at another firm who can confirm an invoice or changes to details.
If your business sets one up, it will make it easier to double-check things and help to avoid invoice scams.
Train your staff
Make sure your staff know about this type of fraud and how to avoid it.
Clearly write down a system that covers how to deal with invoices and changes to details.
Keep this document close at hand so it’s easy to find and follow.
Spotting a fake email
If you get an email from us, there are many ways to tell if it's real or not.
- Greet you by title and surname - As in Dear Mrs Smith.
- Include part of your main account number - Or part of your postcode if you don't have an account number yet.
- Write to you in a reasonable and calm way - Scam messages may use warnings, threats of fraud or problems with your business account to try to trick you.
We’ll never send a message that:
- Asks for your banking or personal details.
- Asks you to move money to another account or to make a test payment online.
- Links directly to a banking log on page. Or a page that asks for your personal details.
You can also check our email address to spot a scam.
It should end with lloydsbank.co.uk and never have another word in between lloydsbank and .co.uk.
This is a genuine email: firstname.lastname@example.org
This is a scam email: email@example.com
That’s incorrect – You should always double check by calling your single point of contact (SPOC) if you have one. Or use a number you trust, not one from an email or invoice.
That’s correct - Fraudsters are hoping that you pay without checking. If this happens, it’s very hard to get the money back.
That’s incorrect – You should always check by using a number you trust and never one from an email or invoice.
That’s correct - A fraudster can email you their number. They want you to call them instead of a real company.
We’ll never get in touch and ask you to move money to another account. Only a fraudster would do this. If you get a message like this, don’t reply. Use our top tips for spotting a scam message.
That’s correct, we’d never message and ask you to move money to another account – not even to secure an account.
Lloyds Bank will never ask you to:
- Share account details like user ID, password and memorable information.
- Tell us the security number for Telephone Banking.
- Tell us the PIN code or expiry date of your business bank card.
- Move money to another account.