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Debit cards
Use your debit card to pay for anything from a cup of coffee to a holiday.
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Reporting a lost or stolen debit card
- If your debit card is lost or stolen, you can report it to us and request a new card by logging onto Internet Banking or in our Mobile Banking app
- While you wait for your new card to arrive, you can view your card details in the Mobile Banking app. These should be available the day after requesting a replacement
- You can also freeze and unfreeze your card which could be useful if you’ve temporarily forgotten where you put your card
Problems with your card
- You can see a reminder of your PIN in our Mobile Banking app in case you have forgotten it
- If your card or transaction is declined, view our guide to see why this might have happened
- You can also order replacement cards and PINs by logging onto Internet Banking or in our Mobile Banking app
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Your debit card is the easy way to pay for most things, all over the UK.
- Use for everyday shopping or big purchases
- Shop in-store, online or over the phone
- Pay bills easily, whether they’re one-off or regular
- Withdraw cash at Lloyds Bank Cashpoint machines or other cash machines
- Skip the cash machine queues – get up to £100 cashback at most supermarkets
The amount you can withdraw at a Cashpoint or other cash machines is £800 per day if you hold a Lloyds Bank debit card.
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Use your Visa debit card for shopping and cash withdrawals abroad, just as you do at home, wherever you see the Visa symbol. There are fees for using your debit card abroad. See full details on debit card charges. Silver, Gold, Platinum and Premier current accounts: We won't charge our debit card fees when you use your debit card for these accounts at home or abroad.
We also won’t charge these fees in relation to other current accounts you hold, for your selected weeks if you have Travel Smart added to the account.
Just a few reasons for using your debit card abroad:
- Accepted all over the world
- No need to carry large amounts of cash
- Get an automatic record of the transaction
- Protection against fraud for any unauthorised spending
- Shop online in any currency (although fees apply)
You can use your debit card to withdraw money at a cash machine or over the counter at any bank displaying the Visa symbol. You can withdraw money up to your limit in pounds as long as you have cleared available funds in your account. You’ll need to know your PIN and have some ID (a valid passport will do) when you withdraw money from a bank.
Going abroad soon? You no longer need to tell us
You no longer have to tell us when you are travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on your accounts meaning you can relax when you are away making going abroad stress free.
Before going abroad
- Check overseas fees .
- Ensure your cards do not expire when you are away. Please check your expiry date.
- Turn off Abroad Freeze if you’ve added it to the card you plan to use abroad.
- Take another form of payment in case of emergency.
- Ensure your contact details are up to date so we can contact you if we are concerned there may be fraudulent activity on your account - update here.
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If you use Internet Banking, you can sign up for Save The Change®. It’s such an easy way to save that you don’t have to do anything. Every time you use your debit card, the amount you spend will be rounded up to the nearest pound, and the difference is transferred into your eligible Lloyds Bank savings account.
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We’re always working hard to make sure your Lloyds Bank Visa debit card has the latest security and fraud prevention features.
Our automated protection service
If our systems pick up spending patterns on your account that might indicate fraud, we have measures in place to keep your money safe. Usually, our automated telephone service will call you so you can confirm that you made the purchase – and if you think it’s fraudulent, our operators are ready to help.
To make sure we can contact you, please ensure we have your up-to-date mobile or best contact number. It’s simple to update your phone number online.
What happens if you’re subjected to fraud?
As soon as we’re aware of fraud our expert operators will put a stop to it. We’ll ensure you are reimbursed for any losses incurred through no fault of your own. We will also send you a new card as soon as possible.
Calls that claim to be Lloyds Bank
Rarely, a fraudster may try to call you pretending to be from Lloyds Bank. We will never ask you to divulge, in full, any passwords or sensitive account information. If you are ever in doubt about the authenticity of a call, or have questions about our automated calling service, please call us.
What you can do to help minimise the risk of fraud
- Only buy online from known retailers
- Always look out for the padlock symbol at the top of your browser window
- Never tell anyone your PIN or Internet Banking log on details
- Always shred receipts and documents containing personal information before disposing of them
With these tips in mind, you should be protected from becoming a victim of fraud. Remember to always stay vigilant when using your debit card.
Help if things go wrong
Visa Chargeback protects you if there’s a problem with goods or services you’ve bought on your Visa debit card. Using the service could mean that we can return a payment back to your debit card, if there has been a problem.
Always contact the retailer first if you have an issue with goods or services bought from a retailer. If they can’t help you, follow our payment disputes guide for advice on what to do next.
Important legal information