It’s safe to use your bank card when you’re out and about.
But to avoid scams, take care how you use it.
The safest way to pay for things is to use your debit or credit card. This helps to protect your money from scams.
Only you should use your card and PIN, and nobody else. So know where your card is at all times.
Tips on using your card safely
If you can, use a cash machine inside a bank branch. It’s safer and can give you more privacy.
Keep an eye out for people looking over your shoulder. You don’t want to let anyone stand close enough to see what you're doing.
Shield the keypad so no one can see what you enter.
And if someone offers to help you use your card, put it away and leave. This is a scam to try to see your PIN or steal your card.
More and more shops use a reader to let you pay by card. If you pay this way, follow these steps to stay safe:
- Hold on to your card - Whoever serves you shouldn’t have to take your card away. Never let it out of your sight.
- Go to a till - You can always pay at a till or wait for a card machine to come to you.
- Tap and go - Contactless or a phone app lets you pay for things quickly and safely. And you don’t have to use your PIN.
- Hide your PIN - Shield the keypad so no one can see what you enter.
Memorise your PIN instead of writing it down. If a person knows your PIN they could try to use your card.
Change your PIN if you think someone has seen or knows it. You can do this on a Lloyds Bank cash machine.
If you have to get a new card because of a scam, fraudsters can try to scam you again. They may still have your details and pretend to be from your bank or another well-known company.
Remember, only a fraudster would call to tell you to move money to another account. And we’ll never send a message with a link for you to log on or to give personal and banking details.