Extra security when you shop and bank online

This guidance relates to accounts you manage with currency online banking and any associated cards.

For information relating to sterling online banking, visit Lloyds.com.

Steps to take

We'll guide you through it.

  • When checking out purchases over a certain amount, you’ll notice the extra security during payment. The payment screen will ask you to verify yourself.

    • App. Use the app to verify your purchase (sterling cards only).
    • Text. We’ll text a passcode to your mobile phone, which you then enter on the payment screen.
    • Over the phone. This will be an automated call to a telephone number we keep on file, asking you to say a code which comes up on your payment screen.
  • When using online banking, you’ll notice the extra security during log in and when making certain transactions. The screen will ask you to verify yourself.

    • Device. If you regularly use your computer, laptop, tablet or mobile for online banking, you can trust it. This helps us know it’s you logging on and not someone else.
    • Over the phone. This will be an automated call to a telephone number we keep on file, asking you to say a code which comes up on your online banking screen.

Getting started online

 

International banking app

International banking on the go.

  • Simple and secure login.
  • Fast, convenient and secure.
  • Easily manage your accounts.

Online banking

Log in to mange or your accounts on our secure website.

Log in

Register

International banking app

Use our app for international banking on the go.

  • Simple and secure login.
  • Fast, convenient and secure.
  • Easily manage your accounts.
Continue to app

Online banking

Log in to mange or your accounts on our secure website.

Log in

Register

Let’s look at the details

  • Strong Customer Authentication is an extra layer of security for our customers. For you, it means more protection when you’re shopping and banking online. It will involve extra checks to prove it’s really you. This will help keep you safer from online fraud.

  • An extra layer of security makes it harder for fraudsters to target your online accounts.

  • Most people use passwords as way of proving it’s them. Sadly, passwords can be guessed or stolen by fraudsters. So, we’re adding a second layer of security to check it’s really you, and make it harder for anyone else to.

    3 ways you can verify yourself

    • “Something you know” - this is a piece of secret information that only you know, like your password.
    • “Something you have” - this is a device you own, like your mobile phone or card reader.
    • “Something you are” - this is something that is unique to you, like your fingerprint.

    You’ll need to complete 2 of these 3 ways to verify it’s you. This is called 'two-factor authentication'.

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