Bank safely

When you use your bank account you need to stay safe and secure.

Learn how to spot a scam, what to do if you are contacted unexpectedly, and get advice on how to stay safe.

Card safety

It’s a good idea to be careful with your card and card details when you use it at a cash machine, in a restaurant or a shop.

What to look out for:

  • People looking over your shoulder - If you use a cash machine or card reader don’t let anyone stand close enough to see what you're doing.
  • People offering help - If a stranger offers to help you at a cash machine, put your card away and leave. This is a scam to try and see your PIN and steal your card.
  • A server taking your card away - Never let your card out of your sight. You should go to the till or wait for a card machine to come to you.

What you can do:

  • Use a cash machine inside a bank branch - It’s harder to try to steal from you if you use a cash machine inside a bank branch.
  • Don’t let anyone see your PIN - Your card and PIN are just for you. Never let anyone else see your PIN when you use a cash machine or a card reader. Always shield the keypad so no one can see what you enter.
  • Use Contactless or phone apps to pay - You can pay for things quickly and safely with Contactless or a phone app. And you don't have to use your PIN.
  • Don’t write your PIN down - If you write your PIN down then someone else could use it to get your money. You can use the mobile banking app to get an instant reminder of your PIN if you forget it.
  • Change your PIN - If you think someone has seen your PIN then you should change it. You can do this on a Lloyds Bank cash machine.

Previous topic: How we protect you


Unknown payments and disputes with a seller

If you don't get what you thought you were buying, it may not be fraud. The same can be said if you see a payment on your statement that you don’t recognise. Learn more about checking payments and seller disputes here:

I don’t recognise a payment on my credit card

I don’t recognise a payment on my debit card


How to get back

If you came to this page from our credit card or current account pages, you can go back on the links below:

Credit cards

Current accounts


New card, new scam

If you have to get a new card because of a scam, fraudsters can try to scam you again. They may still have your details and pretend to be from your bank or another well-known company. 

Remember, only a fraudster would call to tell you to move money to another account. And we’ll never send a message with a link for you to log on or to give personal and banking details.

Think you've been a victim of fraud?

You should contact us right away if you think you’ve been a victim of fraud. We can then guide you on what to do next.

Contact us now

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

Personalisation. We will always greet you personally using your Title and Surname. We will never use ‘Dear User’ or ‘Dear Valued Customer’. Where you hold an existing account with us, we will quote the last four digits of your account number, such as your current account, savings account or credit card. If you don’t yet have an account with us but we have your postal address details, we may use part of your postcode. Internet Banking-related emails may also include your Internet Banking User ID.
Links. All links within our emails will go to a page on, or to trusted Government regulatory websites (e.g. Financial Ombudsman, Financial Conduct Authority, etc). Research emails may take you to a partner research company website but you will not be asked for any Internet Banking log in details. In fraudulent emails, website addresses may appear genuine on first sight, but if you hover your mouse over the link without clicking, it may reveal a different web address. On our genuine emails the link address always starts with or We will never link direct through to our Internet Banking log in page or to a page that asks for your security or personal details.