Offers FAQs

Find answers to the most common queries about Offers.

To use Offers, you need to be over 18, have a Lloyds debit card or credit card, and be signed up to online banking.

Receiving cashback

  • Cashback earned using a debit or credit card

    Cashback will be paid into your account on or before the last working day of the month following your redeeming transaction. For example, if you used your offer in January, your cashback should be paid into your account at the end of February.

    Cashback earned for a direct debit offer

    Cashback will be paid into your account on or before the last working day of the month after your second direct debit payment.

    If you cancel your new service before your second direct debit payment is collected, you won't get any cashback.

    The time it takes for a retailer to set up your direct debit may affect the date we pay your cashback.

  • Which account your cashback will arrive in

    If you have more than one account with Lloyds, we’ll pay your cashback into the oldest account.

    If you also have eligible accounts with Halifax or Bank of Scotland, we'll pay your cashback into the newest account.

    You can choose a different account for us to pay your cashback into in the Cashback history section of your Offers.

    If you've made a change, we’ll pay your cashback into the account you've most recently chosen across Lloyds, Halifax or Bank of Scotland.

    You need to stay registered for Offers to get your cashback.

  • Offers for joint accounts

    If both joint account holders want to use Offers, they should register for online banking and for Offers individually.

    Each account holder will then get their own offers based on their spending patterns.

    For direct debit offers, if both people get and activate the same offer but only one person sets up the relevant subscription service to redeem it, the first person to activate the offer will get the cashback. It will go into their nominated account, which may be the joint account or a different account. 

  • Keeping track of cashback

    You can keep track of the cashback you’ve earned in the Cashback history section of your Offers. It may take up to 5 working days before your cashback shows as pending.

    You can also see how much cashback you've been paid and how much you've earned over the last 3 months, with a breakdown of the qualifying transactions. 

  • Changing the cashback account

    If you have more than one account with us, you can select which account you want your cashback paid into by visiting the Cashback history section of your Offers.  

  • Cashback for credit card spending

    Yes, you can earn cashback using your Lloyds credit card if you meet the usual criteria to register for Offers.

    If you have a credit card with Halifax or Bank of Scotland, you can use those cards to earn cashback too. 

  • Additional card holders

    Yes, spending by additional card holders will help generate new offers and earn cashback. However, the main cardholder needs to activate offers and only the main cardholder will receive cashback into their nominated account.

  • Multiple cards linked to Offers

    Offers works with all your personal debit or credit cards across Lloyds, Halifax and Bank of Scotland. All your cards help to generate offers based on the places you shop. Use any of your cards to claim your cashback. 

  • Leaving Offers

    Yes, you can switch them off any time in the opt-out section of your Offers. Remember, you will lose any unpaid cashback that’s due to be paid into your account.

    If you're also a Halifax or Bank of Scotland customer, you'll be opting out of cashback for those too. 

About Offers

  • Offers

    Offers give you cashback when you shop. Just choose and activate your offers in your account. Pay with your debit or credit card or set up a direct debit.

    The service is free and is available to current account or credit card customers over the age of 18. 

  • Eligibility

    To register for Offers you need a current account or credit card. You must also be over 18 and registered for online banking. Terms and Conditions apply.

  • Offer suggestions

    We suggest offers for places you might like to try, based on retailers you have previously shopped or set up a Direct Debit with.

  • Registration

    In your mobile banking app, or using your desktop, tablet or mobile browser: Log in and look for your Offers.

    You can opt out of the service at any time in the app or online banking.

  • View and activate offers

    You can find all available and activated offers in the Offers section of the app or online banking. You'll normally need to activate individual offers before you can earn cashback, but we may automatically activate some offers for you.

  • Can’t see offers

    If you’re a new customer, we may not have any transactions for you yet. Many of our offers are based on the types of places you shop. When you start spending on your debit and credit cards, offers will be generated for you and will appear in your Offers page.

  • Debit or credit card offers

    Go to Offers and activate the offers you want to use, then pay using your debit or credit card when you next shop with your chosen retailers.

    Direct Debit offers

    You will see any direct debit offers alongside your other offers on your Offers homepage.

    To redeem these offers:

    1. Select an offer to activate it or find out further details

    2. Sign up for services as stated in the offer’s conditions.

    Important Information

    Subscription services that require a direct debit will usually ask you to enter into a contract with the service provider. Typically, these have a minimum term of between 12 and 24 months. You must consider whether you are able to commit to a regular payment for this length of time.

    If you cancel, change or switch your subscription before the end of the minimum term you may be charged early termination or other fees by the service provider.

    If you're signing up to a new service provider, you must find out from your current supplier whether early termination fees will apply. You must take this into account when deciding whether to sign up to a new service.

    You should contact your service providers directly for details of their specific policies. 

  • Offer exclusions

    Some of our offers have exclusions that are shown when you select them. Exclusions may vary between offers and some offers may only apply in certain areas.

    You can find out if there are any exclusions, exceptions or caps by selecting the activated offer and reading the offer details.

  • Offer limits

    Some offers are only available to use once. If you want to check how many times you can use an offer you've activated, select it to read the offer details.

  • Offer reminders

    You can receive app reminders (also known as push notifications) on your mobile device if you’re already registered for Offers. We’ll send you notification reminders when new merchant offers are available to you, along with a reminder for when activated but unused offers are due to expire. You don't have to be logged into your banking app to see them.

    Signing up to Offers reminders does not change your existing marketing preferences and you can opt in or out of reminders any time using the ‘Profile & Settings’ icon at the top right corner of your banking app. Under the ‘Settings’ tab, choose ‘Notifications’, and then select which alerts you would like to turn on or off.

    To get these reminders, you must be registered for Offers, enable “push alerts” in your mobile device settings and opt into reminders in your banking app. 

Problems receiving cashback

  • Cashback not received

    You can follow these steps to check you've received the correct cashback:

    Did you activate the offer?

    You need to select the ‘Activate’ button next to an offer before shopping with your chosen retailer, to get cashback.

    Have you waited 5 working days for the cashback to appear in your Cashback history section?

    After you've redeemed an offer, it can take up to 5 working days before the cashback due appears as pending.

    Did you redeem the offer before it expired?

    If you made your transaction after the offer expired, you won’t be eligible for the cashback. You can check your offer expiry dates in the Expired Offers section.

    Were there any offer exclusions that may have stopped you getting the cashback?

    For example, some offers are only available online and exclude transactions made in stores. You can check for any offer exclusions by selecting the offer to see its full details.

    If your redeeming transaction was made from a joint account, did you use the right card?

    You must use the card belonging to the person that activated the offer online to redeem it. Find out more about using joint accounts for Offers.  

  • Further questions

    If you can’t find the answer to your question in our FAQs, then please give us a call.

  • Offer terms and conditions

    Retailers set their own conditions for each of their offers, such as:

    • whether an offer is available both online and in store or online only
    • the amount of cashback offered
    • the expiry date of the offer
    • any offer conditions or restrictions, such as how many times you can use the offer or which purchases it can be used on
    • any limits to the amount you can earn from each offer

    The specific conditions relating to your chosen offer will be displayed when you activate it.

    The offer retailers are responsible for the offers you receive, but we’re responsible for making sure the cashback reaches your account. The terms and conditions for Offers can be found in the Internet Banking agreement, and details of how we use your information are contained in our Privacy Policy.

  • Offer withdrawal or change

    We try to ensure the information in all the offers is accurate. If there are any errors in an offer, we may withdraw or correct it. This won’t affect any offers we’ve already fulfilled.

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Further profile and settings help

Update your personal details, manage app notifications or activate Offers.

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Further profile and settings help

Update your personal details, manage app notifications or activate Offers.

Read our guides