Card Safety

Our guide can help your business to use a bank card safely to avoid scams.

How to use your business bank card safely

You or your staff may need to pay for things outside of work. The safest way to do this is with a debit or credit card.

This gives you the best kind of protection against scams.

  • If you can, use a cash machine inside a bank branch. It’s safer and can give you more privacy. Keep an eye out for people looking over your shoulder. You don’t want to let anyone stand close enough to see what you're doing.

    Shield the keypad so no one can see what you enter.

    And if someone offers to help you use the card, put it away and leave. This is a scam to try to see your PIN or steal your card.

  • More and more shops use a card machine to let you pay by card. If you pay this way, follow these steps to stay safe:

    • Hold on to your card - Whoever serves you shouldn’t have to take your card away. Never let it out of your sight.
    • Go to a till - You can always pay at a till or wait for a card machine to come to you.
    • Touch and go - Contactless or a phone app lets you pay for things quickly and safely. And you don’t have to use your PIN.
    • Hide your PIN - Shield the keypad so no one can see what you enter.

Keep your details safe

Keep your card and PIN safe

Your business can have one or more bank cards. Each one will have its own card number and PIN.

Card holders need to know where a their bank card is at all times. And they should never share the PIN or other card details, even with other colleagues.

Make sure a PIN is memorised and not written down. If a person knows the PIN they could try to use the card.

If you think someone has seen or knows the PIN, change it immediately. You can do this on a Lloyds Bank cash machine.

Protect your card and reader codes

Card reader codes allow you to make payments and carry out other actions on a business account online.

We'll never get in touch to ask you for a card reader code.

To help keep the account safe, NEVER share a card reader code with anyone.

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

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