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.

What is Strong Customer Authentication? expandable section

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.
Why do you do the extra checks? expandable section

An extra layer of security makes it harder for fraudsters to target your online accounts.
How will this make online shopping and banking more secure? expandable section
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'.