Card safety

If criminals get hold of your card or personal information, they may be able to access your bank account. Find out how to keep your card safe from fraudsters.

 

Take care when using your card

Paying with your debit or credit card gives you extra protection. Your payment can be traced and often refunded, if you lose your money to fraud or a scam.

Remember, your card and PIN should only be used by you. Make sure you always know where your card is.

Common fraudster tactics

Stealing cards

When using a cash machine, criminals may stand close behind you to get your PIN, and they might try to steal your card. Always keep your card in a safe place and know where it is.

If you are using a Lloyds Bank Cashpoint®, it’s safer to be inside a branch for privacy. Have a look around to check that no one is behind you. Protect your PIN by shielding the keypad as you enter it.

If your card is lost or stolen, report it straight away

Phishing

You might receive fake emails or texts from criminals containing fake links. This is so that they can steal your card and bank details to try to commit fraud.

We won’t ever send a text or email that asks for your card or bank details. If you’re not sure about a message, delete it and contact us.

More on scam messages

Is your PIN secret?

You should never photograph your card or write down your PIN. Try and memorise it instead.

If you forget your PIN, you can view it in the Mobile Banking app.

If you think someone knows your PIN, or saw you type it in, change it right away. You can do this at a Lloyds Bank Cashpoint.

Card skimming

Criminals can steal information from your credit or debit card by attaching a small device to a card reader or cash machine. The device captures data from the magnetic strip on the back of your card. They may also use a hidden camera to get your PIN.

If you need to withdraw money, it’s safer to use a cash machine in branch.

If you are paying for something, it’s safer to hold onto your card, pay at a till or wait for the card reader to come to you. Contactless payments and digital wallets can be quick, safe and you don’t need to use your PIN.

If you notice anything unusual or suspicious about a card reader or cash machine, don’t use it and report it to the bank or cash machine operator.

Digital wallet

You can store your debit or credit card details on your phone in a digital wallet. This allows you to make contactless payments with your phone instead of your physical card.

The biggest threat is that fraudsters could steal your phone. If they get hold of your banking details or digital wallet they could take control of your money.

If you’re asked for your digital wallet details in a call, by text or email, it’s a scam. Open your digital wallet and check your information. Make sure you don’t follow any links from people you don’t know.

Passcode scams

If a fraudster manages to steal your card and personal or banking details, they could call you pretending to be your bank.

They may ask you for a one-time passcode, password or to approve a payment or refund on the Mobile Banking app.

If you get a call like this, hang up.

Learn more about passcode scams

Paid for something, but didn’t receive it?

If you’ve used your debit or credit card to buy goods or services that haven’t been delivered, or aren’t as you expected, you may be able to get your money back. We’re here to support you.

Learn more about transaction disputes

Learn about other scams and how to protect yourself

Scam calls

Want to know how fraudsters can use your details to win your trust?

Avoid scam calls

Scam emails and texts

Find out how fraudsters try to steal your details.

Avoid scam messages

Pension scams

Fraudsters can pretend to be someone you trust to target your pension.

Protect your pension

Investment scams

Fraudsters may pretend to be a genuine company or adviser.

Avoid investment scams

Protect your devices

Do you know how to keep all your devices safe?

Learn about device safety

Protect your identity

Fraudsters may try to steal your personal and banking details.

Keep your identity safe

Learn about the latest scams

Fraudsters are always looking for new ways to try to steal your details and money. Discover which scams are common right now.

Go to latest scams

Have you been targeted by fraudsters

Contact us right away if you think you’ve been scammed. We can then guide you on what to do next.

Contact us now

Stay scam safe

Learn how to spot and avoid scams, and how to report fraud.

Protect yourself from fraud

Stay scam safe

Learn how to spot and avoid scams, and how to report fraud.

Protect yourself from fraud