Here to protect you from fraud when shopping online
What is ClickSafe?
It’s a free service that gives you extra protection when shopping online using your Lloyds Bank credit card. ClickSafe wants to make sure it’s you making the payment, and not a fraudster. You may know it as Visa Secure®, Mastercard® Identity Check and American Express® SafeKey.
Frequently Asked Questions on ClickSafe
When you buy something online, 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.
As well as Lloyds Bank credit cards, ClickSafe covers Lloyds Bank personal debit cards and Lloyds Bank business credit/charge cards and debit cards.
No. ClickSafe is designed to help protect the Lloyds Bank card(s) that you already have.
Many online retailers are already participating in the ClickSafe service. As the service grows, more will be added.
Nothing – it’s free to Lloyds Bank customers.
- Google Chrome
- Mozilla Firefox
- Microsoft Internet Explorer 5.5 and above
- Netscape Navigator 7.1 and above
- AOL 9 and above
Yes. One of the great advantages of 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 ClickSafe to operate properly.
What should I do if I’m buying something online but the ClickSafe summary box doesn’t appear? expandable section
It may be that the retailer doesn’t use ClickSafe yet, but you’ll still be able to buy from them. Simply follow the normal checkout process.
ClickSafe® offers you extra security when you purchase goods and services online. It doesn’t verify or approve websites which offer the service, or their goods and services. Please read these terms carefully before you use this service. Also read ‘your banking relationship with us’ personal banking terms and conditions, and/or any other terms and conditions specific to your account.
- Account: for personal accounts this means your account for which you have a personal credit or debit card. For commercial accounts this means the account held by the business with us to which all debit and/or credit/charge cards transactions are debited
- Business: the business at whose request the debit or credit/charge card has been issued to the business cardholder
- Business cardholder: the individual to whom a debit or credit/charge card has been issued on the accounts
- Service: the secure electronic payment service for card transactions online provided by EMC computer systems (UK) ltd or EMC information systems international for Ireland on our behalf
- Security codes: card information, memorable information or other information we use to check your identity
- We/us/our/bank: Lloyds Bank
- You/your: for personal accounts this means the account holder. For commercial accounts held by a sole trader, you/your means the sole trader and any other business cardholder on such accounts. For any other type of commercial customer, 'you/your' means the business cardholder
When you use 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.
- not let anyone else know or use your security codes
- not write down your security codes
- take all reasonable steps to ensure your security codes stay secret
- notify us immediately if you think someone knows your security codes or may be accessing your account or the service without your authority
- check statements we send you and let us know urgently about any errors
As long as we have been given your security codes, we are entitled to assume we are dealing with you and will:
- act on (and you will be bound by) all instructions
- allow access to confidential information we hold about you and your accounts, without getting further confirmation from you
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.
You must not:
- do anything which may damage, interfere with or disrupt the software or the way it is provided.
- display, alter or use any trademarks without the owner's prior written permission.
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:
- there is a breach of security or we are uncertain whether an instruction is valid (but, please note, we are not bound to check whether an instruction is valid)
- you have broken an agreement you have with us
- you are not eligible for an account or service
- we reasonably think you or someone else is using or has obtained, or may use or obtain, the service illegally, fraudulently or improperly
- there is a legal requirement or a court or other authority tells us to act in that way
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 Corporate Markets plc. Registered Office and principal place of business: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 10399850. Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.
Services provided by the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc will be subject to the regulatory regime applicable in their respective jurisdiction, which will differ in some or all respects from that of the UK. Further information about the regulatory status of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc, is set out below.
The Jersey branch of Lloyds Bank Corporate Markets plc, principal place of business 11-12 Esplanade, St Helier, Jersey JE2 3QA, is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and general insurance mediation business under the Financial Services (Jersey) Law 1998 and has also notified the Jersey Financial Services Commission that it carries on money service business. Lloyds Bank Corporate Markets plc, Jersey Branch, subscribes to the Jersey Code of Practice for Consumer Lending.
The Guernsey branch of Lloyds Bank Corporate Markets plc, principal place of business PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, is licensed by the Guernsey Financial Services Commission to take deposits and insurance intermediary business under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, and the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.
The Isle of Man branch of Lloyds Bank Corporate Markets plc, principal place of business PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ, is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and is also registered as an insurance intermediary in respect of general business.
Lloyds Bank International is a trading name of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc.
We recommend that you print these conditions for your records.
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.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).
We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.