The free service that gives you extra protection when you shop online
It’s a free service that gives you extra protection when you’re shopping online using your Lloyds Bank credit card. You may know it as Verified by Visa®, Mastercard® SecureCode and American Express® SafeKey. ClickSafe is designed to protect you from fraud.
ClickSafe wants to make sure it’s you making the payment, and not a fraudster. When buying things online using your Lloyds Bank credit card, ClickSafe assesses each transaction you make. It either verifies it automatically or asks you for some further information.
As well as Lloyds Bank credit cards, ClickSafe covers Lloyds Bank personal debit cards and Lloyds Bank business credit/charge cards and debit cards
When you buy something online, Lloyds Bank ClickSafe issues a receipt to the retailer at the end of the checkout process.
The receipt includes details of your purchase, such as the site name, purchase amount, and date.
You’ll see a “Processing...” page after you’ve entered your payment details or, in some cases, you may be asked to provide further information to help us verify the payment.
No. Lloyds Bank ClickSafe is designed to help protect the Lloyds Bank card(s) that you already have.
Many online retailers are already participating in the Lloyds Bank ClickSafe service. As the service grows, more will be added.
Nothing – it’s free to Lloyds Bank customers.
Yes. One of the great advantages of Lloyds Bank ClickSafe is that you can use it from any computer connected to the web that has a compatible browser.
Some software won’t allow pop-ups. If you have this software installed you must disable it or change the settings to allow pop-ups for Lloyds Bank ClickSafe to operate properly.
It may be that the retailer doesn’t use Lloyds Bank ClickSafe yet, but you’ll still be able to buy from them. Simply follow the normal checkout process.
Lloyds Bank ClickSafe® provides you with extra security when you purchase goods and services online. It is not intended to verify or endorse websites (or the goods and services offered on those websites) which offer the service. Please read these conditions carefully before using this service. These conditions should be read in conjunction with ‘your banking relationship with us’ – personal banking terms and conditions and/or any other terms and conditions specific to your account. For commercial accounts these conditions should be read in conjunction with the business cardholder conditions for the card and the agreement between the business and the bank under which the cards are issued to the business cardholders.
When you use Lloyds Bank ClickSafe®, both these conditions and your account conditions will apply. If they contradict each other, the relevant condition in your account conditions will apply.
All Lloyds Bank card accounts participate in this service. It is not a requirement to register for the service prior to using your card online. The service will assess each transaction and will only be invoked in situations where authentication is required due to the assessed risk of the transaction.
When making a purchase online and authentication is required, you will see a pop up in a new window. You will then be asked to complete some security questions to authenticate your identity. When you have successfully completed the security questions your purchase will be processed.
In a small percentage of high risk transactions the authentication process may not be invoked and the authentication request may be denied. Should this occur, contact numbers to our fraud contact centre will be provided to allow genuine transactions to proceed.
Some software may not allow pop-ups. If you have this software installed you must disable it or change the settings to allow pop-ups for Lloyds Bank.
We will check your identity before we can accept any instructions from you or discuss your accounts. To use the service you may need to use security codes.
As long as we have been given your security codes, we are entitled to assume we are dealing with you and will:
However, you/the business will not be liable for any instructions you do not give yourself, unless we can prove you were acting fraudulently or without reasonable care (for example if you do not tell us as soon as you think someone knows your security codes or is accessing your account without your authority or you broke your obligations in condition 3).
We will collect certain personal information from you for verification and security purposes, which we will pass on to EMC computer systems (UK) ltd or EMC information systems for Ireland who is carrying out this service on our behalf.
Your security codes will not be passed on to online retailers participating in this service.
We may give the police or any prosecuting or regulatory authority any information they need if we think it will help them find out if someone else is using your security codes.
For further details about how we use your personal information please see ‘your banking relationship with us’ – personal banking terms and conditions and/or any other terms and conditions specific to your account. For commercial accounts the 'personal and business data' section of the terms and conditions which apply to the business current accounts and/or debit or credit/charge cards.
By using this service you will not acquire any ownership rights, title or interest in or to the software made available to you.
We may end the service immediately if you close your account/s or you no longer have any cards registered for the service or, by telling you personally and giving you 30 days’ notice.
We may also suspend or end the service immediately or decline to follow an instruction if we think:
If we do take action, we will act in a manner we reasonably think is proportionate in the circumstances and will tell you before doing so, if we can reasonably do so.
This service may be ended without notice if such action is required by visa international services association or Mastercard
International who run the payment systems for the cards used with your account.
We may change any terms of this agreement. We will tell you personally at least 30 days before we make a change to your disadvantage. We can make any other changes straight away by telling you personally or publishing them on our web site.
This service may be changed without notice if such action is required by visa international services association or Mastercard international who run the payment systems for the cards used with your account.
When we tell you personally about a change we will do so by letter, email or any other way by which communications are sent to you individually.
You can usually use the service at any time but repairs, updates and routine maintenance to our systems and those of our suppliers mean the service may be slow or unavailable from time to time. We will not be liable if the service is unavailable at any time for these reasons.
This service and these conditions are governed by English law. Any disputes arising from this site shall be resolved by the English courts, unless you can show you accessed the site from Scotland in which case the Scottish courts may be used.
Please remember that email is not a completely secure means of communication; it may be possible for others to intercept and read your messages. So if you choose to send us information by email, it is at your own risk.
Lloyds Bank plc registered office:
25 Gresham Street
London, EC2V 7HN
Registered in England and Wales no. 2065
We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Lloyds Bank International ltd registered office:
PO box 160
25 New Street
Jersey, JE4 8RG
Registered in Jersey, number 4029
Regulated by the Jersey Financial Services Commission. We abide by the Jersey code of practice for consumer lending. The Isle of Man branch of Lloyds Bank International Limited is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business and is also registered as an insurance intermediary in respect of general business. The Guernsey branch of Lloyds Bank International Limited is licensed to conduct banking, investment and insurance business by the Guernsey Financial Services Commission under the banking supervision (Bailiwick of Guernsey) law 1994, the protection of investors (Bailiwick of Guernsey) law 1987 and the insurance managers and insurance intermediaries (Bailiwick of Guernsey) law 2002.
We recommend that you print these conditions for your records.