Mental health

We’re here to help you feel more in control of your money.

Mental health and your money

At some time in our lives many of us experience mental ill health. Sometimes this can make it hard to deal with money. Or your finances could be affecting your mental health. At these times, we can provide some extra help. 

We have partnered with the Money and Mental Health Policy Institute and have achieved the Essentials level in their Mental Health Accessible Programme. This means we have taken action to improve the accessibility of our services to people experiencing mental health issues. Our charity partner Mental Health UK can also provide information and help too.

Mental Health Accessible 2021/2022 Level 1: Essentials
Lloyds Bank Mental Health UK charity partner

Things we can do to help

Managing your account online or via our Mobile Banking app

Our Mobile Banking app can help you manage your account in a way that suits you. It has features such as:

  • Card freeze - freeze your transactions and limit your account abroad.
  • View card details -  view and use your debit card number, expiry date and security code to make online purchases without the need to have your card to hand.
  • Pay in a cheque in our app – save a trip to branch (up to £1,000 per cheque and £2,000 total per day).
  • App notifications - get alerts to keep track of your spending and money paid in and out of your account.
  • Fingerprint or Face ID - Log on securely without needing your password.
  • Payment confirmation - when you make a payment using your app, you can share the receipt once the payment has been sent.

There are also more ways of staying in control of your spending using Internet Banking or our Mobile Banking app.

Difficulty remembering a PIN

If you find it difficult to use or remember your PIN, you can:

  • View card PIN - if you find it difficult to remember your PIN, you can look it up in our app.
  • Get a chip-and-signature card, just call us or ask in branch for one.
  • Use a contactless card to buy items up to £100.
  • Use a smartphone for contactless payments, using Apple Pay or Google Pay.

Difficulty remembering a password

If you find it hard to remember your password we can help:

  • You can confirm your identity by using your voice in Telephone Banking.  You'll need to set up our Voice ID feature to do this. If you’re eligible and hold a bank, savings or credit card account with us, you can set up Voice ID. 
  • Call us from our Mobile Banking app, using your registered mobile number. You’ll already be securely logged on, so there's no need to remember any passwords. 


If you have an appointment with us, we can make it easier for you:

  • We can arrange longer appointment times for you. We'll take the time to explain things and make sure you understand.
  • You can have your appointment in a private and quiet meeting room.
  • If you have a support worker, they are welcome to come to your appointment with you. 
  • You can take paperwork home to read and decide in your own time. You can then come back to complete what you wanted to do.
  • Some appointments can also be done from your home by video call.

Visiting a branch

We know that not all long-term health conditions are visible. That's why we use the Hidden Disabilities Sunflower Lanyard scheme in all of our branches. If you're wearing one we'll know that you might need a little more help.

If you’re visiting a branch, check our Branch Finder page first. This shows you the facilities and accessibility services we have at each branch. In some areas, we also have mobile branches which may suit you better. Or, you can do some of your banking at a Post Office. You can deposit and withdraw cash, just as you would at any Lloyds Bank branch.  You can also check some basic information such as your account balance.

Appoint someone to manage your money

During these challenging times, you may prefer to appoint someone to help manage your money. This will still give you the option to do it yourself when you are ready to.

Man and toddler looking at a phone

Money worries

Worrying about money can impact your mental health. If you find you are starting to worry about your finances, you’re not alone – we are here to help. 

Woman in a train station

Money management

Getting in control of your day-to-day finances could help ease the pressure. We have tips and tools which can help you.

Dad and toddler putting up a tent

Life events

Many life events can have an effect on your mental health. Our life events page has useful help when you face these difficult times.

How other organisations can help you

Help with your mental health

If you are struggling with your mental health and would like to get some further information and support, Mental Health UK  or NHS UK could help you. 

If you live in Wales outside of the areas currently covered by the NHS 111 service, you can get help 24/7 from NHS Direct Wales on 0845 46 47 or online

Help with your money and mental health

For more help on mental health and money visit Mental Health & Money Advice or Money Helper. They have free guidance you can trust.

Get free help on how to use the internet

Using online resources can be a great way to support your mental health. 

We’ve teamed up with We Are Digital to help customers with little or no digital skills get what they need online. 

Learn more about how We Are Digital can help here

Further support

Support and wellbeing

If you're facing a tough time such as a bereavement, or you need help managing your money, we’re by your side. 

Support and wellbeing

Accessibility and disability support

More information on how we can help.

Accessibility and disability

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, 7 days a week.

To use our Mobile Banking app you need to have a valid phone number registered to your account. Available to UK personal Internet Banking customers and Internet Banking customers with accounts held in Jersey, the Bailiwick of Guernsey or the Isle of Man. Our app is available to iPhone and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Device registration required. The app doesn’t work on jailbroken or rooted devices. Terms and conditions apply.