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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.

Our security systems

Real-time checks - As you bank online, we use extra security measures to make sure it’s really you and not a fraudster. If we spot anything odd, we may ask you to call our Fraud Team. All of this helps us to stop fraud and to keep you safe and secure.

Biometrics - We look at how you use your account online to make sure it’s really you using it and not a fraudster. This helps us to spot things that aren't normal.

State of the art - We use the very latest tech to protect you from hackers.

Bank name display - When you set up a new payment, we may display which bank you’re sending money to like Barclays, HSBC, Tesco. This helps you to make sure a new payment goes to the right account.

Helpful hints - When you bank online, you’ll see messages before and after you log on. These will give useful hints and tips on how to stay safe online.

Phone calls

We may give you an automated call to confirm an action like setting up a new payee. The call will ask you to enter the four digit code you can see on your Internet Banking screen.

If you are called by someone, not an automated call, and asked to enter a code, then it's a scam.

Lloyds Bank will never ask you to complete this call to secure or get money into your account.

We use your data as set out in our terms and conditions and by your data privacy rights. This protects you and your personal details.

Next topic: Card safety

Previous topic: Protect your passwords


Lloyds Bank will never ask you to:

  • Share your account details like user ID, password and memorable information.
  • Tell us your Personal Security Number (PSN) for Telephone Banking.
  • Tell us your PIN code, expiry date, CVV number which is the last 3 digits of the security code on the back of your card.
  • Move money to a so-called secure, safe or holding account.
  • Move your money or ask you to transfer funds to a new sort code and account number.

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

We guarantee to refund your money (including charges and interest that you’ve paid or not received as a result) in the unlikely event that you experience fraud with our Internet Banking service. We will take steps to protect you 24/7, using technology and safeguards that meet or exceed industry standards, but you must also use our online banking services carefully.

Being careful when you use our services includes, for example, that you:

  • do all that you reasonably can to keep your Security Details (such as online and mobile username, password, and memorable information) secure, and you log off after each Internet Banking session
  • don’t let anyone else have access to your account or Security Details, or transact using them, even if they share a joint account with you through our Internet Banking services
  • tell us, as soon as you can if you think your Security Details have been lost, stolen, damaged or are being misused; or think someone may be accessing your accounts without your authority, or has discovered your Security Details
  • carry out regular virus checks on your devices.

If you've been grossly negligent, we will not refund any money taken from your account before you have told us your Security Details have been lost, stolen or could be misused. We won't give you a refund if you have acted fraudulently.

For further guidance on using our online banking services, see our Internet Banking terms and conditions.