The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

 

Priority telephone access for our NHS workers

In these uncertain and unprecedented times, we want to make sure we’re doing all that we can to support our customers – especially our NHS workers who are doing an amazing job in extremely challenging conditions.

To help ease the waiting time for our NHS workers, we have set up an emergency prioritized phone line so that you can speak to someone as quickly as possible.

Our call centre is extremely busy and we would encourage everyone to continue using our online services where possible for their everyday banking, but we understand that sometimes you will need speak to us.

There are quick links below to useful content and application processes that may help you manage your money.

  • 1.
    Emergency access to savings in fixed term accounts without charge

    If you need access to your savings held in a fixed term account, we will be waiving the charge.
     
    To access your savings we will need to close your account and all funds will be transferred to an alternative account. The only exception is the Fixed Rate ISA, where we are able to action a partial withdrawal without full account closure. If you would like to access part of your funds, please contact us in Branch.
     
    For Junior Cash ISAs, all money paid into the account belongs to the child and can't be returned, therefore we are not able to allow access to these accounts.

    Also, money held in Lend a Hand Fixed Savings Accounts cannot be accessed whilst it is being held as security against a Lend a Hand Mortgage.

    To access your savings please call us and we will arrange for your money to be moved into an account of your choice.

    For Channel Islands or Isle of Man customers, please visit our Lloyds Bank Islands page.

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  • 2.
    £500 interest free arranged overdraft, overdraft limit increase and apply for an overdraft

    £500 interest free arranged overdraft

    We have temporarily increased the interest free amount for arranged overdrafts on current accounts.

    From 9th April until 9th July 2020, the first £500 of your arranged overdraft will be interest free. If your arranged overdraft is lower than this amount, all of it will be interest free.

    You don’t need to do anything as we will automatically make this change. More information about overdrafts.

    For Channel Islands or Isle of Man customers, please visit our Lloyds Bank Islands page.

    Overdraft limit increase

    If you need to increase your existing arranged overdraft limit, you don’t need to call us – you can apply online.

    • Using our mobile banking app, select ‘Overdrafts’ from your bank account menu and follow the on-screen instructions.
    • Using Internet Banking, just log on and select ‘More actions’ on the bank account that you have the arranged overdraft set up on. Then select ‘Overdrafts’ and follow the on-screen instructions.

    Please find more information about our Internet Banking or help on signing up.

    For Channel Islands or Isle of Man customers, please visit our Lloyds Bank Islands page.

    Apply for an overdraft

    If you want to apply for an overdraft, you can do this online.

    • Using our mobile banking app, select ‘Overdrafts’ from your bank account menu and follow the on-screen instructions.
    • Using Internet Banking, select ‘Our products and services’, then ‘Overdrafts’ and follow the on-screen instructions.
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  • 3.
    Mortgage repayment holiday

    If you’re going to struggle to make your monthly mortgage payment because of COVID-19, you may want to think about taking a payment holiday. You can ask to take a break of up to three months.

    Repayment holidays may not be for everyone, as at the end of the payment holiday, we'll recalculate your monthly payments and the amount you owe will go up. That's because even though you miss payments due to the payment holiday, we will still add interest to your mortgage.

    Learn more about payment holidays and how to apply online

    We will contact you before the end of your repayment holiday to discuss options appropriate to your financial circumstances and continue to support you if further assistance is needed.

    For Channel Islands or Isle of Man customers, please visit our Lloyds Bank Islands page.

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  • 4.
    Credit Cards payment holiday and Credit Cards limit increase

    Credit Card payment holiday

    If you’ve been financially affected by the coronavirus (COVID-19) outbreak, you can ask us for a payment holiday. A payment holiday is subject to approval, but if accepted you won’t need to make the usual payments to your personal credit card for up to 3 months.

    To ask us for a payment holiday, please complete our credit card payment holiday form and we’ll take care of the rest for you. 

    If your payment is due now and you can’t make the minimum payment, we won't charge a late payment fee or remove any promotional interest rates in the short term.

    Payment holidays may not be right for everyone. Your minimum payment and the total amount you owe may go up. This is because interest is still charged throughout the payment holiday (unless you pay 0% interest).

    Credit Card limit increase

    If you need to increase your existing Credit Card limit, you don’t need to call us – you can apply using Internet Banking.

    Using Internet Banking, just log on and select ‘More actions’ button next to your credit card, then select ‘Manage credit limit’.

    To request a credit limit increase, you’ll need a payment history of at least six months on your account. We’ll only offer you an increase if we think you can afford it. You can ask to lower your credit limit at any time.

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  • 5.
    Loans repayment holiday

    If you’ve been financially affected by the coronavirus (COVID-19) outbreak, you can ask us for a repayment holiday. A repayment holiday is subject to approval, but if accepted you won’t need to make the usual loan payments for up to 3 months.

    To ask for a repayment holiday, please complete our loans repayment holiday form and we’ll take care of the rest for you. 

    If your loan payment is due within the next 7 working days, you will still need to make this payment and any repayment holiday you are given will start the following month. If you have a joint loan, any repayment holiday will be given to both of you. If your payment is due now and you’re unable to make the payment, we won't charge you a fee.

    We can only give a repayment holiday if your loan payments are up to date or you have missed one payment due to coronavirus. If your loan is in arrears, we have other ways of helping you. Please visit our Money Worries page to find out more.

    Repayment holidays may not be right for everyone as we’ll extend the length of your loan at the end. This is so you can make up the payments you missed. We still add interest to your loan during the break. Because you’ll be borrowing for longer and interest is still charged, the amount you repay overall will increase.

    For Channel Islands or Isle of Man customers, please visit our Lloyds Bank Islands page.

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  • 6.
    Car Finance payment holiday

    If you’ve been financially affected by the coronavirus (COVID-19) outbreak, you may want to consider a payment holiday.

    We may be able to give you a payment holiday and defer your payments for up to 3 months if you need it.

    Payment holidays may not be right for everyone as you will pay more as you take longer to pay back the amount you borrowed. We will work out how much extra you need to pay, based on the interest rate shown in your agreement, and we will add this amount to your agreement.

    To find out more please have a look at helping our customers during coronavirus.

    Or to request a payment holiday log onto your online car finance account and follow the instructions.

    Log on to manage your account

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  • 7.
    I’m struggling to pay my home insurance premium

    If you’re experiencing financial difficulties, please contact us using our General Enquiries Form. We’ll need your name, address, policy number and details about your current circumstances. We’ll look at how we can support you. 

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  • 8.
    Contactless limit increase to £45

    From the 1st April you can spend up to £45 on your contactless debit or credit card. We’ve increased contactless payment limits in line with the national roll-out.

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  • 9.
    Online cheque deposit increase

    To allow you to do more through your Mobile Banking App without having to visit a branch, we have increased the transaction limit for paying a cheque into your account via the app. The increase on each individual cheque is from £500 to £1,000, and the maximum daily limit of £1,000 per day to £2,000 per day.

    An easy guide of how to pay in a cheque.

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  • 10.
    Unoccupied property extension on your home insurance

    We’ve extended the length of time you can leave your property empty for. Usually it shouldn’t be left empty for more than 30 days (60 days for some policies). However, if your property is empty for longer due to the coronavirus outbreak (for example if you’re stuck abroad or staying with family) we will still cover your property for as long as it takes for the situation to be resolved.

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  • 11.
    Additional personal belongings cover on your contents insurance for NHS and Care workers

    As a thank you to NHS and Care workers for supporting those impacted by coronavirus we’ll cover your personal belongings that are damaged, lost or stolen whilst working or commuting under your standard contents policy, at no extra cost during the pandemic. 

    You're eligible for this cover if:

    • You hold a current contents home insurance policy, and
    • you or a member of your family living with you is an NHS staff member or Care worker.

    Where are my personal belongings covered?

    Your personal belongings will be covered whilst you’re working and when you’re commuting to and from work.

    What type of belongings are covered?

    Any personal items owned by you that are worn, used or carried by you in your everyday life.

    How long will the cover be in place for?

    Initially, your personal belongings will be covered until the 1st July 2020 but this date will be reviewed as the situation evolves.

    If you need to claim:

    • Please notify us that you or a family member are an NHS or Care worker.
    • You may be asked for a form of identification to verify your claim.
    • You may also be asked for proof of ownership to support your claim, such as a receipt or photo in line with our normal claims process.

    For more information about making a claim see our help and guidance page. You can also make a claim online with our online claims form.

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For the latest update on how we can help you, visit our Coronavirus help and support page.