Hints and tips for using Internet banking
Help logging on for the first time
What do I need to log on for the first time?
1. Your User ID - which you will have received in the post or online.
2. Password - which you entered (or were provided with) when you first registered.
If you’ve lost or forgotten these details, please see information on lost or forgotten User ID or Password.
Making it easy to remember your User ID
To save you having to remember your User ID, we’ve made it possible to save it to your computer via a cookie. This means that your computer will automatically display it every time you go to log on. To do this select the ‘Remember User ID’ tick box next time you log on.
For security reasons, please don’t use this facility on a shared or public computer, for example in an internet café.
More help
Let our demo guide you through the new user log on process.
What happens after I have entered my User ID and Password?
As an extra security measure you’ll be asked to select some Memorable Information. You will be asked to enter some characters from this each time you log on.
Your Memorable Information must be a mixture of letters and numbers and be between 6 and 15 characters long.
Please don’t include spaces, hyphens or special characters (e.g. #) and it can’t be the same as your existing Password or User ID.
Make sure you can recall it easily as you’ll be asked to input 3 characters from it each time you log on. For example, if you used LLOYDSTSB10, you might be asked for the 4th, 8th and 10th characters, i.e. ‘Y’, ‘S’ and ‘1’. Please choose something that can’t be easily guessed by others.
You may also be asked to enter an email address and accept some legal conditions if you didn’t do this as part of your registration.
What if I've lost or forgotten my User ID or Password?
You can let us know that you have lost or forgotten your User ID and Password by selecting the appropriate link below. If you aren’t sure which piece of information you have lost or forgotten please see the information difference between User ID and Password.
Reset your User ID – we will send it to you in the post within 3 working days.
Set up a new Password – you will need to fill in the short online form.
You will also need to set up your Memorable Information when you select a new Password. For security reasons you may then need to call us to confirm your details. As soon as your details have been confirmed, you’ll be able to start banking online.
What should I do when I’ve finished using Internet banking?
For security reasons, you should always log off at the end of your Internet banking session. You will find the ‘Log off’ link at the bottom of the left-hand menu within Internet banking. If you’re on a shared or public computer, we recommend you also close down your browser session when you’ve finished.
We would recommend that you log on again shortly after your first visit so that you can try using the Password and Memorable Information you have chosen.
To avoid forgetting your Password and Memorable Information, we recommend you choose something you will easily remember, but that cannot be easily guessed by others.
Extra help
You can change your Password or Memorable Information at any time from the left-hand menu within Internet banking.
View the demo to guide you thought the log on process.
Logging on a second time
What’s the difference between User ID, Password, and Memorable Information?
You’ll need all three pieces of information to log on to Internet banking.
User ID – this is sent to you through the post when you register. You can’t change this to something else more memorable, but you can choose save it to your computer so you don’t have to enter it each time you log on to Internet banking.
For security reasons, please don’t save your User ID on a shared or public computer, for example in an internet café.
Password – you will have either selected a Password of your choice, or been provided with one (which you will then be asked to change) when you register for Internet banking. This information can be changed to something of your choice once you are logged on to Internet banking.
Memorable Information – the first time you log onto Internet banking you are asked to select some Memorable Information. This must be a mixture of letters and numbers and be between 6 and 15 characters long. Each time you log on you will be asked to provide 3 random characters from your Memorable Information. This information can be changed once you are logged on to Internet banking.
What happens the second time I log on?
When you log on for the second time, you’ll need to enter your User ID and Password, you’ll then be asked to provide 3 random characters from the Memorable Information that you chose the first time you logged on.
For example, if you used LLOYDSTSB10, you might be asked for the 4th, 8th and 10th characters, i.e. ‘Y’, ‘S’ and ‘1’.
Every time you log on to Internet banking after this, you’ll go through this same process.
Extra help
View the demo which will help guide you through the log on process.
If you are confused about the different pieces of log on information you can find out more about the difference between User ID, Password and Memorable Information.
How can I make my next log on easier?
There are a number of things you can do to make logging on easier for you, but still keep it secure:
Save your User ID on your computer
To make it easier for you, we’ve made it possible to save your User ID to your computer via a cookie. This means that your computer will automatically display your User ID every time you go to log on. To do this select the ‘Remember User ID’ tick box next time you log on.
For security reasons, please don’t use this facility on a shared or public computer, for example in an internet café.
Change your Password and Memorable Information
You can change you Memorable Information and Password in order to make it easy for you to remember. To do this select 'Change password' or ‘Change Memorable Information’ on the left hand menu within Internet banking.
Log on regularly
Not only will this help you to keep track of your finances but will mean that the log on process will become more familiar to you each time you log on.
More information about Internet banking
Where can I find out more about what can I do with Internet banking?
With Internet Banking you can:
- View your statementand stay in control of your finances - not only can you keep track of all the money going in and out of your accounts but you can search your statements and choose to stop receiving paper statements for your current and savings accounts. You can also check statement entries as far back as July 2002.
- Transfer moneyinstantly between your Lloyds TSB accounts - the quick transfer facility allows you to move money between your Lloyds TSB accounts instantly+.
- The easiest way to pay a bill – paying bills online is quick and hassle free, as there’s no need to write and post cheques or go to a branch.
- Pay money to another person – there’s no need to carry around cash or send cheques; you can pay money to other people easily online. All you’ll need to make a payment is the other person’s bank sort code and account number. The new Faster Payments Service has now launched so when you pay most people online, the money will be transferred almost immediately - within a couple of hours instead of the usual 4 working days.
- Apply for products online – our Online Saver account can be opened in 3 clicks, there are no forms to sign and you can transfer money to and from it instantly. You can also apply for a range of other products within Internet Banking.
- Register for weekly Text Alerts – you can register to have your balance sent to you mobile - absolutely free.
+Transfers made after 8pm (or on weekends and bank holidays) may not count towards interest for the account the money is being transferred to until the next working day.
Where can I find out more about security?
We're committed to protecting you when you bank with us. Our industry-standard levels of security ensure that you can always access your Lloyds TSB accounts online with confidence.
To ensure you are always protected, we are introducing a new programme of security initiatives called BankSecureTM. Over the next few months, you’ll see a number of initiatives that we'll put in place to make sure you stay secure and to help you protect your Internet banking information. We’re here to help you stay safe while banking online. For more information and advice on security visit our Security learning centre.
Help and advice
What if I make a mistake?
Don’t worry - mistakes sometimes happen. If you do something in error call us on 0845 3000 116* between 7am and 10pm Monday to Friday or 8am and 6pm at weekends (+44 207 649 9437* from overseas) as soon as possible. We can help sort it out for you.
What if I have a question?
There’s plenty of help available so you can get the most from Internet banking:
- you can click on the ‘Help’ link in the left-hand menu to find out more about the page you are on,
- you can use our interactive demo which will guide you through all or specific areas of Internet banking,
- you can call us on 0845 3000 116* between 7am and 10pm Monday to Friday or 8am and 6pm at weekends (+44 207 649 9437* from overseas),
- you can e-mail us – but please don’t include any personal or account details.
*If you have a hearing or speech impairment please contact us via Textphone 0845 300 2280 or +44 141 618 9344 from overseas.
How do I change my Password and Memorable Information?
You can change your Password and Memorable Information to make it easier for you to remember. To do this select ‘Change Password’ or ‘Change Memorable Information’ on the left hand menu when you are logged on to Internet banking.
Where can I find a demonstration of Internet banking?
The online interactive demo will guide you through the main areas of Internet banking. You can choose an overview of Internet banking or using QuickStart focus on one particular area, for example “pay another person” or “buy your travel money”.
If you don’t have ‘flash’ software on your computer you will need to use the standard version of the demo.
*If you have a hearing or speech impairment please contact us via Textphone 0845 300 2280 or +44 141 618 9344 from overseas.
