Scam messages

Do you know how to spot a scam email or text?

We’ll show you how so you know what to do to stay safe.

Fraudsters can send emails and texts to try to scam you. Their goal is to steal your details and money.

Scam messages often include a link to a fake site or a number to call a bogus company.

We’ll never send a message with a link that asks you to log on or to give your banking details.

If you get a message like this, don’t reply and delete it.

Below, we list some tell-tale signs of a scam message and what you should do if you get one.

Scam messages video

Tips to avoid scam messages

  • Even if you know who sent a message, be careful with one that arrives out of the blue.

    Don’t reply until you check that it’s genuine. Call the sender on a number you trust, not one from an email or text.

    If you need to visit a website to check, type the web address directly into the address bar at the top of your screen.

  • Only click on a link in a message after you’ve made sure it’s genuine. The same goes for downloading any attachment.

    Fraudsters use links and downloads to try to take you to a fake site or to put a computer virus on your device.

    Rule number one - If you’re not sure about an email or text message:

    • don’t reply
    • don’t click on anything
    • just delete it.
  • Scam emails can be badly written. They may look odd, have spelling mistakes or a messy layout. So read an email carefully to spot these errors.

  • A genuine message will be written in a reasonable and calm way.

    Scam messages can use warnings, threats of fraud or problems with your account to try to make you act without thinking.

    Don’t rush. Take your time to check and do the right thing.

  • If we send you an email, it will always greet you by title and surname, as in Dear Mrs Smith.

    And we always include part of your main account number, or part of your postcode if you don't have an account number yet.

    If we send you a text, it will always greet you by either your name, part of your account number or postcode.

    You can call us to make sure a message is genuine. Use the number on the back of your bank card and we can check an email or text.

    If you get an email that seems like a scam, forward it to our fraud team at

  • All our email addresses end with

    There should never be another word in between lloydsbank and

    This is a genuine email:

    This is a scam email:

    Make sure an email has a genuine address.

  • If you get an invoice or bill by email to pay for a job or service, confirm the payment details first.

    Call the person or business on a number you trust, not one from an invoice or email.

    Fraudsters can send fake invoices or changes to payment details.

    If you pay the wrong account, it’s very hard to get your money back.

  • 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?

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.

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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 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.