Money making scams

Scams can look like great deals and get-rich-quick schemes. But if you know what to look out for and what to do you can protect yourself.

Competition scams

You might fill out an online competition or quiz to win a prize or have a bit of fun. But some scams use these to get your personal details and leave you open to fraud.

What to look out for:

  • Get a prize by sending money - Some scams ask you to send money for a prize you’ve won in a competition you didn’t enter. Don’t do this.
  • Social media or email quiz - Fake competitions and quizzes can be found on social media or by email. Even if it’s shared by a friend it could be a scam.
  • They want personal or financial details - Never give any details about your bank accounts. And be careful if you’re asked to give your address or contact details.
  • Sign in to social media - Be careful if you’re asked to sign in to your social media. This can give out personal details that could be used for identity theft.
  • Unknown site - Scams will try to take you away from safe sites. Don’t click on any links.

What you can do:

  • Set up a new email address - If you want to take part in quizzes and competitions set up a new email address for them. This will stop scam emails coming to your main email address.
  • Don’t use passwords for quiz answers - Scammers will try to use your quiz answers to log onto your accounts.
  • Protect your device - Make sure you have an anti-virus and that your operating system, browser and software are up to date. Your anti-virus software should tell you when a site or a file is unsafe.
  • Stay on well-known sites - Check that you're on a genuine site. Look carefully at the web address and make sure there are no spelling mistakes.
  • Look for the closed padlock image - This tells you that the link to the site is secure. You can find it in the address bar. A secure site will also have https:// at the start of its address. But remember, these do not mean a site is genuine.

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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 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 or 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.