Keep your details safe online
The internet has lots of things that can help you. But you need to know how to stay safe online.
How to stay safe on social media
If you use social media then you need to take care with what you share.
What to look out for:
- Strange requests from family or friends - Fraudsters can hack into accounts to try and trick you into sending them money or personal information. If you get an unusual request from family or a friend, call them on a number you trust to make sure it’s real.
- Spelling mistakes - Fake messages and accounts can look odd. They could have a messy layout or spelling mistakes.
- Fake quiz - If you have to give personal details to enter a competition or quiz, it could be fake.
What you can do:
- Think about what you share - Don’t use your personal details for passwords. Fraudsters may use social media to see your details and try to guess your passwords or steal your identity.
- Go private - Check your settings often and make sure they’re on private.
- Only connect with people you know - If you’re not sure who a person is then don’t connect with them. Some accounts are fake and just try to steal details.
- Be careful what you click on - Some links could put a virus on your phone or computer.
- Log off after use - You should always log off to stop anyone else getting into your account.
- Don’t use the same password - Choose a new, strong password for every site you use.
- Register with care - Make sure a site is safe before you give personal details.
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.
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 www.lloydsbank.com, 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 in 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 email.lloydsbank.com or www.lloydsbank.com. We will never link direct through to our Internet Banking log in page or to a page that asks for your security or personal details.