We are experiencing a high number of calls at the moment. So that we can support those in the most vulnerable situations, please only call if it is urgent. Remember, you can do most of your banking tasks yourself online, either using our app or through Internet Banking

 

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.
    Support for arranged overdrafts

    Support for your personal current account

    Application Deadline Extended to 31st December 2020

    We are here to support our customers during the impact of coronavirus and if you are going to struggle we are still here to help. It might be that you have or expect to have a temporary loss or reduction in income for you or other members of your household because of coronavirus. If so,  you can ask to have a temporary interest-free amount of up to £500 for 3 months on your personal current account arranged overdraft. To help support you during this difficult time, we have extended the deadline to apply for this support until 31st December 2020.

    To ask for a temporary 3-month period of up to £500 interest-free on your arranged overdraft, please apply on or before 31st December 2020. If you need further support, or help with completing this form, then please contact us.

    If you have previously benefitted from a temporary interest free waiver on your personal current account arranged overdraft due to coronavirus, you can apply again, but if you are currently receiving this support you must wait until your current support ends. You must apply on or before the 31st December 2020 deadline.

    Apply here

    If you are facing, or expect to face, financial difficulties, you can find help and support available on our money worries page. For further support, you can find out more about other free independent advice.

    You can call our dedicated team for information and support which may include applying a temporary interest freeze, setting up a repayment plan or refinancing your debt.

    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 arranged 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 payments

    We're here to support you if you have been affected by coronavirus. Use our support tool to explore ways in which we can help you if you're worried about your money.

    End of your payment holiday

    You may be coming close to the end of your payment holiday period. Remember you don’t need to contact us, we’ll be in touch before your current payment holiday ends on how we can help. If you’re in a position to restart your payments after your break, we strongly recommend you do so to keep the amount of interest you pay as low as possible. If you are worried about being able to restart your full payments, there are ways we can help.

    Our support tool helps you explore your options at the end of your mortgage payment holiday.

    Or you can visit our Money Worries page to find out how you can stay on top of your finances. Additionally, the Money Advice Service Money Navigator Tool also gives instant help based on what you tell it about your circumstances.

    Payment Protection Insurance 

    If you have Payment Protection Insurance you may be able to claim under your policy if you are unable to work due to sickness or unemployment. Visit our Payment Protection Insurance page for details.

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

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  • 4.
    Credit Card payments

    We're here to support you if you have been affected by coronavirus. Use our support tool to explore ways in which we can help you if you're worried about your money.

    End of your payment holiday

    You may be coming close to the end of your payment holiday period. Remember you don’t need to contact us, we’ll be in touch before your current payment holiday ends on how we can help. If you’re in a position to restart your payments after your break, we strongly recommend you do so to keep the amount of interest you pay as low as possible. If you are worried about being able to restart your full payments, there are ways we can help.

    Our support tool helps you explore your options at the end of your credit card payment holiday.

    Or you can visit our Money Worries page to find out how you can stay on top of your finances. Additionally, the Money Advice Service Money Navigator Tool also gives instant help based on what you tell it about your circumstances.

    Payment Protection Insurance

    If you have Payment Protection Insurance you may be able to claim under your policy if you are unable to work due to sickness or unemployment. Visit our Payment Protection Insurance page for details.

     
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  • 5.
    Loan repayments

    We're here to support you if you have been affected by coronavirus. Use our support tool to explore ways in which we can help you if you're worried about your money.

    End of your repayment holiday

    You may be coming close to the end of your repayment holiday period. Remember you don’t need to contact us, we’ll be in touch before your current repayment holiday ends on how we can help. If you’re in a position to restart your payments after your break, we strongly recommend you do so to keep the amount of interest you pay as low as possible. If you are worried about being able to restart your full payments, there are ways we can help.

    Our support tool helps you explore your options at the end of your loan repayment holiday.

    Or you can visit our Money Worries page to find out how you can stay on top of your finances. Additionally, the Money Advice Service Money Navigator Tool also gives instant help based on what you tell it about your circumstances.

    Payment Protection Insurance

    If you have Payment Protection Insurance you may be able to claim under your policy if you are unable to work due to sickness or unemployment. Visit our Payment Protection Insurance page for details.

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

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  • 6.
    Car Finance payments

    For further help and guidance on support available for car finance you will need to log in to your online car finance account.

    End of your repayment holiday

    You may be coming close to the end of your payment holiday period. Remember you don’t need to contact us, we’ll be in touch before your current payment holiday ends on how we can help. If you’re in a position to restart your payments after your break, we strongly recommend you do so to keep the amount of interest you pay as low as possible. If you are worried about being able to restart your full payments, there are ways we can help.

    Or you can visit our Money Worries page to find out how you can stay on top of your finances. Additionally, the Money Advice Service Money Navigator Tool also gives instant help based on what you tell it about your circumstances.

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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.
    Home insurance payment holiday and unoccupied property extension

    Home insurance premium holiday

    If you’re experiencing financial difficulties, we may be able to offer you support such as reviewing your policy cover or offer a payment holiday. Please contact us on 0345 1221511 to speak to us or go to our home insurance page for more information.

    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 31st December 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.