How we protect you

We use up-to-date security systems help to keep your money safe when you bank online.

Listed below are some of the latest technologies we use to fight fraud.

We continue to update this tech and add new systems to help keep you and your money safe.

Helping you to stay safe

  • As you bank online, we use extra security checks 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. We’ll also send you a text and a message in your account overview so you can confirm any request.

  • We look at how you use your account online to help us spot things that aren’t normal. This helps us to tell if a fraudster is trying to use your account. 

  • If 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.

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

  • We may give you an automated call to confirm an action like setting up a new payee. The call will ask you to enter a four digit code that we send to your Internet Banking screen or by post.

    Please keep this code private. You'll only get an automated call if you ask for one.

    If anyone gives you a code over the phone or webchat, it’s a scam.

  • You can use our mobile app to confirm payments and other requests.

    We’ll tell you what to do on-screen. If anyone else tells you what to do or you didn’t make a request, it’s a scam.

  • You and your details are protected by data privacy rights. Find out how we use your data in our terms and conditions. 

  • Take 5

    You can get straight forward, impartial advice on how to avoid scams from Take Five.

    Action Fraud

    You can report a crime or get general advice from Action Fraud. They help banks and other companies combat fraud.

    Get Safe Online

    They offer advice on how to keep yourself and your devices safe from fraud.

    UK Finance

    UK Finance is there to support customers and to help make sure it's safe to bank.

    Prudential Regulation Authority (PRA)

    The PRA is part of the Bank of England. Their role is to make sure banks act safely and reduce the chance of them losing money.

    Financial Conduct Authority (FCA)

    The FCA is there to make sure banks work well so customers are protected and get a fair deal.


    CIFAS can help to protect your identity. They can stop fraudsters from using your details to apply for things in your name.

    Cyber Aware

    This is a government site that gives advice on how to stay safe online.


    This is part of the FCA site. You can use it to check on an investment or pension deals to help you avoid scams.

    Lloyds Bank does not control the content of third party websites linked to on this page.

Think you've fallen for a scam?

You should contact us right away if you think you've been scammed. We can then guide you on what to do next.

Contact us now

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 or card expiry date.
  • Move money to another account.

Next topic

New scam code

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 on 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 on page or to a page that asks for your security or personal details.