The safest rule is simple: do not click, reply, call or use links in an unexpected Lloyds email or text. Lloyds says it will not send you to a page asking for your Lloyds login, personal or banking details, tell you to move money to a “safe” account, ask you to make a test payment, or link directly to the Internet Banking login page. Verify anything you are told through the Lloyds app, Internet Banking, the number on your card, or another trusted Lloyds channel.
If you have already entered details, shared a security code, approved a payment, downloaded a file or lost money, contact Lloyds immediately. Do not wait for the message to disappear.
Already interacted with the message? Stop using any link or phone number in it. Contact Lloyds through its official app, Internet Banking, the number on the back of your card, the official contact page, or 159 where supported. If you downloaded software, use another device to contact the bank.
How to tell whether a Lloyds message is suspicious
No single clue proves that a message is genuine. Scammers can copy logos, imitate sender names and insert messages into real-looking email threads. Lloyds also says genuine emails may contain personal details—such as your name and, where applicable, the last four digits of an account—so personalisation is useful but not conclusive.
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- You were not expecting the contact.
- It creates panic with a threat, deadline or claim that your account will be closed.
- It asks for login, card, account or other personal information.
- It requests a passcode, activation code or security number.
- It includes a link to “verify”, “unlock”, “secure” or “cancel” an account.
- It tells you to move money, make a test payment or approve a transaction.
- It asks you to download software or open an attachment.
- The sender address is unusual, or the name shown does not match the full address.
- The domain is a lookalike or contains subtle spelling changes.
- The greeting is generic, the grammar or graphics look wrong, or the message appears unexpectedly in an existing conversation.
Spelling mistakes are only one possible clue; convincing phishing messages may contain none. A padlock or https does not prove that a website belongs to Lloyds. Lloyds’ scam-message guidance and Report Fraud’s indicators both recommend verifying requests independently.
What Lloyds says it will never ask you to do
- Enter Lloyds logon, personal or banking details on a page reached from a message.
- Move money to another account to “protect” it.
- Make a test payment.
- Use a direct message link to reach the Internet Banking login page.
- Give a passcode or approve a payment because of an unexpected text, email or caller.
Lloyds may send links into its secure app, so “Lloyds never sends links” is not an accurate test. The decisive question is what the link asks you to do and whether you verified it through a channel you opened yourself. See Lloyds’ full explanation.
Common Lloyds-themed email scams
“Lloyds has a new look” or rebranding
Lloyds currently lists emails claiming the bank has a new look or brand. They ask you to follow a link to continue using your account or complete an administrative task. Do not reply or follow the link. Open the official Lloyds app or type the bank’s web address yourself to check your account, then report and delete the email. Lloyds’ current examples are listed at Latest scams.
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Security and account-warning emails
Messages may claim that suspicious activity was detected, your account will be restricted, Online Banking must be reset, a new device or payee needs approval, or a transfer must be confirmed. The danger is the requested action: logging in through the message, supplying confidential information, moving money or sharing a code.
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A message may say a payment was declined, a refund is waiting, a card was blocked, or a transaction must be cancelled urgently. Check transactions only in the Lloyds app or website opened independently—not through the message.
Common Lloyds-themed text scams
SMS campaigns commonly imitate “suspicious payment” alerts, locked-account warnings, fraud-team messages and requests to confirm a transaction or enter a passcode. Lloyds says it will not text a direct link to an Internet Banking login or a page requesting personal or banking details. Do not call numbers or tap links in the text.
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Some texts appear unrelated to banking, such as fake Royal Mail delivery-payment, tax or mobile-provider notices. They can collect information later used in a bank impersonation scam. Lloyds also warns about SIM-swapping: criminals may seek codes or take control of your number. If your phone suddenly cannot make calls or send texts, contact your mobile provider through a trusted route and then Lloyds. Relevant guidance is in Lloyds Business scam messages and Lloyds’ latest scam warnings.
How to check a Lloyds email safely
- Do not click, reply or open attachments.
- Inspect the full sender address, not just the display name.
- Check whether the message is addressed personally and includes relevant account information. Treat these as clues, not proof.
- Open the Lloyds app manually, or type the official Lloyds website address into your browser.
- Review transactions, payees and account alerts there.
- If uncertain, contact Lloyds through the app, Internet Banking, the number on your card, its official contact page, or 159 where supported.
- Forward the email to [email protected], then delete it.
How to check a Lloyds text safely
- Do not reply, tap the link or call the number shown.
- Open the Lloyds app independently and check for any matching alert or transaction.
- Use a trusted Lloyds contact route if you need confirmation.
- Forward the text to 7726. This UK short code is free where supported by your mobile provider and allows the provider to investigate or block the sender.
- Delete the message after reporting it.
See the NCSC guidance on reporting scam texts.
If you clicked the link, take the action that matches what happened
| What happened | Immediate response |
|---|---|
| Only received the message | Do not interact; report it through the correct route and delete it. |
| Clicked but entered nothing | Close the page and stop interacting. Check your account through the official app. If a file downloaded or the device behaves unusually, treat it as potentially compromised and seek reputable security help. |
| Entered login, card or personal details | Contact Lloyds immediately. Change the affected password using the official app or website, preferably from a device you believe is safe; change any reused password, monitor transactions and tell Lloyds exactly what you entered. |
| Shared a one-time code or approved a payment | Treat it as urgent. Tell Lloyds that the code was disclosed or payment approved under deception so it can take protective action. |
| Downloaded software or an attachment | Stop banking on that device and do not enter more passwords or payment details. Contact Lloyds from another device if possible, obtain reputable device-security support and change passwords from a clean device. |
| Lost money, or an account was hacked | Contact Lloyds immediately and report the incident to Report Fraud. Keep screenshots, the sender address or number and the message content. Do not assume reimbursement is automatic. |
Lloyds explains the risks from fake links, attachments and malware in its guidance on identity theft and protecting devices.
Report the message or fraud
Suspected Lloyds email
Forward it to [email protected], then delete it.
Suspicious text
Forward it to 7726. Handling can vary by mobile provider.
Fraud, hacking or financial loss
Use Report Fraud for suspected fraud, cybercrime, hacking or financial loss. The service covers England, Wales and Northern Ireland; Scotland has separate reporting arrangements, so check the current route for your location. Lloyds Business guidance also refers to [email protected] for other phishing emails; confirm that address is current before relying on it.
Expect follow-up scam calls
A message may be the first stage of the fraud. After collecting details, a caller can claim to be Lloyds’ fraud team and use those details to sound credible. Do not disclose passcodes, move money or install remote-access software because of an incoming call. End the call and contact Lloyds independently. See Lloyds’ scam-call advice.
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Reduce the risk of future account scams
- Use a strong, unique password for banking and other important accounts; a password manager can help.
- Keep your phone, computer, browser and router software updated.
- Install apps only from official app stores.
- Turn off lock-screen previews if sensitive messages could be exposed.
- Limit personal information visible publicly.
- Review account alerts and transactions regularly.
- After a serious compromise, ask Lloyds and relevant services what additional identity-protection measures are appropriate.
Further Lloyds advice covers passwords, device security and identity protection.
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