Card safety

It’s safe to use your bank card when you’re out and about.

But to avoid scams, take care how you use it.

The safest way to pay for things is to use your debit or credit card. This helps to protect your money from scams.

Only you should use your card and PIN, and nobody else. So know where your card is at all times.

Tips on using your card safely

  • If you can, use a cash machine inside a bank branch. It’s safer and can give you more privacy.

    Keep an eye out for people looking over your shoulder. You don’t want to let anyone stand close enough to see what you're doing.

    Shield the keypad so no one can see what you enter.

    And if someone offers to help you use your card, put it away and leave. This is a scam to try to see your PIN or steal your card.

  • More and more shops use a reader to let you pay by card. If you pay this way, follow these steps to stay safe:

    • Hold on to your card - Whoever serves you shouldn’t have to take your card away. Never let it out of your sight.
    • Go to a till - You can always pay at a till or wait for a card machine to come to you.
    • Tap and go - Contactless or a phone app lets you pay for things quickly and safely. And you don’t have to use your PIN.
    • Hide your PIN - Shield the keypad so no one can see what you enter.
  • Memorise your PIN instead of writing it down. If a person knows your PIN they could try to use your card.

    Change your PIN if you think someone has seen or knows it. You can do this on a Lloyds Bank cash machine.

  • 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.

  • 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

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

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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.

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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.