Partner and spouse fraud

Sometimes, you may let a partner or spouse use your bank account.

But if you change your mind or split up, how do you protect your money? 

You should be the only person to use your bank card and PIN. And the only one to log on to your Internet Banking account.

This will help to keep your money out of other people's hands.

Tips to avoid partner and spouse fraud

  • If you live with a spouse or partner and share costs, you could get a joint bank account. This will give you both your own banking details.

    But if the relationship ends, make sure you close the account.

  • Use random words and numbers to create a strong password or PIN. If you choose personal dates or names, it can be easier for others to guess them.

    If your partner knows your banking details and the relationship ends, change them.

  • Try to memorise your PIN, password and other banking details. If you write them down and someone else sees, they could try to use your account.

  • Make sure you keep most of your cash in the bank and not in the house.

  • If you have a cheque book, make sure it's kept in a safe place.

    Keep a note of each cheque you use and look at your account to make sure it was cashed properly. This also helps to know how many you have left.

  • 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

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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.

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.