Open banking

See your accounts with different banks in the mobile app 

  • Safely share information with other banks or third-party companies.
  • See and manage accounts you hold with different banks in one place.
  • Take control over your banking data.

Learn more about open banking and service providers

Smartphone showing accounts from different banks in the Lloyds app.

Steps to take

We'll guide you through it.

    1. Log in to the mobile app. 
    2. Navigate to your 'Everyday' or 'Borrow' page. If you’re using an earlier version of the app, from the Home screen scroll down and select 'Add your accounts'.
    3. Select the account provider you want to connect to. We will then transfer you, so that you can log in safely and select the account you want to add. 
    4. Then select 'Data Privacy Notice' and 'Confirm' to finish.

    The next time you log in, you’ll see the account on your 'Summary' page. 

    Your login details for your other bank will never be shared with Lloyds.

  • 1. Choose Settings

    Log in to the app and select the Profile and settings icon in the top right-hand corner of the app. Choose 'Settings'.

    2. Connected accounts

    Scroll down to 'Other feature settings' and choose 'Open Banking connected accounts'.

    3. Current connections

    You'll see a list of connected accounts from different banks. Select 'Manage connection' to view an active account.

    We'll ask if you're still okay for us to access your shared data every 90 days.

Getting started in the app

Mobile banking app

Join our 10 million app users.

  • Simple and secure login.
  • Set up handy notifications.
  • Message us online.

Continue to app

Let’s look at the details

  • We give an account information and payment starting service to other financial providers. It’s now easier to:

    • make payments
    • make internal account transfers
    • make balance and money transfers
    • view your other bank accounts.

    We also offer data and payment services such as viewing balances and transactions and paying with credit cards.

    For any accounts that you share with us, this data can be used to:

    • display external account data
    • provide insights to help manage your finances better
    • check if you can apply for a product or service
    • suggest products or services you might be interested in, if you have opted into marketing.

    You can share your account data for most of the major UK banks including Monzo, Natwest and Starling. This includes bank accounts, and some savings accounts and credit cards. Don't worry if you don't see your account provider, more are signing up to open banking all the time.

  • It will always be up to you if you want to make a payment or share data with an open banking service. That means you don’t need to opt in or out. You choose which services you want to share data with, and nothing is shared with services you haven’t signed up for.

    Load times can vary between banks. Sometimes you may need to log back in to view your added account. We will keep you updated throughout the account adding process. Transactions will appear as soon as possible but may take up to two hours.

    Protecting your data as well as your money

    Security is a priority for us, and we’ve made it just as safe to use open banking as the other ways you bank with us.

    • Only you can choose to share your data or make a payment.
    • You can stop sharing data at any time in online banking.
    • Your payments are protected in exactly the same way as when you use online banking.

    You should still be just as careful as with any other online service. Read the details of everything you sign up for, and make sure you understand exactly what data you’re sharing and how it will be used. Check your statements regularly and contact us if you’re unsure about anything you see on them. Find out more about protecting yourself from fraud. To understand how the personal data you give us will be used, read our Data Privacy Notice.

    Changing your mind

    You can stop sharing data at any time. We’ll request confirmation every 90 days to make sure you are still comfortable with us accessing your shared data.

    You can withdraw your consent and stop sharing data at any time from the connected accounts dashboard in the mobile app. Once you do, we’ll stop requesting your data and delete any data linked to that consent.

  • Whenever you use an open banking service, we'll transfer you to our secure website so we can make sure it’s you. Always check the web address has the ‘s’ in ‘https://’ and it ends with ‘lloydsbank.com’.

    We'll never share your login details with anyone, or contact you by phone or email asking for them. We would never ask you to transfer money into a ‘safe’ account either. If you receive unusual phone calls or emails, or have concerns about any other suspicious activity, contact us right away.

  • When you set up sharing, you’ll be able to see exactly what information is included before you agree to it.

    You can check what data you’ve already agreed to share by viewing your data sharing settings in online banking. Look for ‘Data sharing settings’ under ‘Your profile’ once you’ve logged in.

    We’ll protect your data the same way we do for your Lloyds accounts. A safe connection is used to share data.

    Our terms and conditions (PDF, 264KB) and data privacy notice explain how we will use your personal data. You can also contact us for more information about how we’re using the data you share with us.

    When you share data with another company, it's their responsibility to store and use it safely. Read their privacy policy to understand how they handle your data.

    After you stop sharing data, they may keep a record of what you have shared. You should contact them to verify this.

    If you withdraw consent and stop sharing data with us, we’ll remove any stored data. Any data held for more than seven years will be deleted in line with the Groups Retention Standards.

  • All companies involved in open banking need to register with the Financial Conduct Authority (FCA) or another European regulator. That means they are responsible and accountable for how they use your data and handle payments. You can check that a UK company is registered for data sharing and payments on the FCA website.

    If you’re not sure how someone is using your data, you should talk to them first. If they can’t help you, contact us, and we’ll try to resolve the issue.

    Your payments are safe the same way as in online banking.

    We’ll continue to protect your account, but we won’t be able to sort out any issues you have with a retailer. Contact them if there’s an issue with any goods or services you’ve bought.

    We can’t help you with any accounts you’ve added from another provider. You’ll need to contact your other bank about anything to do with the account you hold with them. You can contact us for more information if you’re not sure about who to talk to.

  • It’s up to you whether you use any of the services made possible by open banking. You can still keep banking with us the way you do now. There’s no need to opt out of anything. We’ll never share your data unless you choose to share it.

    Whenever you do share data with someone, it will only be the data you’ve agreed to share, and you can cancel at any time. We’ll also use the latest security and industry measures to keep your banking details safe. The same way we do for your bank accounts.

    Lloyds Bank Fraud Centre

    Our privacy notice

    Online banking agreement

    FCA registered providers

You may also like

Your Credit Score

Check your credit score for free and view your credit history with no impact on your credit file.

Check Your Credit Score

Current accounts

Switching or upgrading? We’ve got accounts with great benefits to accounts with no monthly fee.

Find a current account

Credit cards

From everyday spending, to balance transfers or large purchases.

Find a credit card

Further profile and settings help

Update your personal details, manage app notifications or activate Offers.

Read our guides

Further profile and settings help

Update your personal details, manage app notifications or activate Offers.

Read our guides