Like all other UK banks, we’ve added extra security checks when you use Internet Banking. You will soon notice these changes when you shop online.
These checks will happen when you:
If you do any of these things, you may notice an extra step in security. This is because you’ll need to use two different ways of proving who you are. Your password and memorable information count as one way. The other way could be using your Mobile Banking app, getting a passcode sent to your mobile, or us calling your landline.
It’s important that you’re ready for these extra steps, otherwise you might not be able to make your purchase or log on.
To make sure you're able to complete these extra security checks, there are a few things you can do:
It’s very important that we have your up-to-date telephone number. Find out how to update your telephone number online. Alternatively, you can visit your local branch or call us.
From 14 September 2019, a new EU regulation means that all banks need to provide an extra layer of security for their customers. It’s called 'Strong Customer Authentication'. 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. All banks will have to provide these extra checks.
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. There are three ways you can verify yourself:
You’ll need to provide two of these three ways to verify it’s you. This is called 'two-factor authentication'.
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).