You receive an email that looks like it comes from us asking you to log on and check your account. It looks real, so you might be tempted to click on the link and enter your user ID and password into the website. Wait a minute. If you do, you will be handing over your details to a fraudster who wants to take your money.
Phishing scams are used by criminals to lure victims, by email, text or phone, into handing over valuable information such as credit card and bank account numbers, passwords and log on details, which can be used to commit fraud. We will never send you an email, text or a website link asking you to enter your Internet Banking or card details.
Spam is used to advertise products and services. Here’s what you can do to protect your email account and reduce spam:
We guarantee to refund your money in the unlikely event you experience fraud with our Internet Banking service - as long as you've been careful, for example, by taking reasonable steps to keep your security information safe. We protect you with safeguards that meet Industry Standards.
Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority except for lending where we are licensed by The Office of Fair Trading. FSA authorisation can be checked on the FSA’s Register at: www.fsa.gov.uk/register. Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.
Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds TSB Scotland plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237.
Personalisation. We will always greet you personally using your Title and Surname. We will never use ‘Dear User’ or ‘Dear Valued Customer’. Where you hold an existing account with us, we will quote the last four digits of your account number, such as your current account, savings account or credit card. If you don’t yet have an account with us but we have your postal address details, we may use part of your postcode. Internet Banking-related emails may also include your Internet Banking User ID.
Links. All links within our emails will go to a page on www.lloydstsb.com, or to trusted Government regulatory websites (e.g. Financial Ombudsman, Financial Services Authority, etc). Research emails may take you to a partner research company website but you will not be asked for any Internet Banking log in details. In fraudulent emails, website addresses may appear genuine on first sight, but if you hover your mouse over the link without clicking, it may reveal a different web address. On our genuine emails the link address always starts with email.lloydstsb.com or www.lloydstsb.com. We will never link direct through to our Internet Banking log in page or to a page that asks for your security or personal details.