• Cookies


  • Lloyds Bank is committed to protecting you and any data (anonymous or otherwise) that we collect about you online. This section tells you how we use cookies, why, and how this allows us to improve our service. It also tells you how you can manage what cookies are stored on your device. We call it our "Cookies Policy".

    By using our websites (through any device) you agree that this Cookies Policy applies to that use in addition to any other terms and conditions which may apply.

    We reserve the right to make changes to our Cookie Policy. Any such changes shall appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to any such changes.

  • What are cookies
  • The cookies that we use

What are cookies

  • What is a cookie?

    Cookies are files containing small amounts of information which are downloaded to the device you use when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies do lots of different and useful jobs, such as remembering your preferences, and generally improving your online experience.

    There are different types of cookies. They all work in the same way, but have minor differences:

    Session cookies
    Session cookies last only for the duration of your visit and are deleted when you close your browser. These facilitate various tasks such as allowing a website to identify that a user of a particular device is navigating from page to page, supporting website security or basic functionality.

    Many of the cookies we use are session cookies. For example, they help us to ensure the security of your Internet Banking session, and can also keep you signed in to Internet Banking while you move between pages or service your account.

    Our session cookies used for security are designed to be very difficult to use except by us when you have an active Internet Banking session. They contain no personal information that can be used to identify an individual. Their names typically start with the letters IB e.g. IB.SESSIONID.

    Persistent cookies
    Persistent cookies last after you have closed your browser, and allow a website to remember your actions and preferences. Sometimes persistent cookies are used by websites to provide targeted advertising based upon the browsing history of the device.

    Lloyds Bank uses persistent cookies in a few ways, for example, to remember your username for sign in so you don’t have to. We also use persistent cookies to allow us to analyse customer visits to our site, for example our cookie named WT_fpc. These cookies help us to understand how customers arrive at and use our site so we can improve the Internet Banking service.

    For full details about our cookies, we’ve put together a list of the cookies that we use.

    First and third party cookies
    Whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are those set by or on behalf of the website visited. All other cookies are third party cookies. We use both first party and third party cookies, which you can read more about in our list of the cookies that we use

    Strictly necessary cookies
    These cookies are essential in order to enable you to move around the website and use its features, and ensuring the security of your Internet Banking experience. Without these cookies services you have asked for, such as applying for products and managing your accounts, cannot be provided. These cookies don't gather information about you for the purposes of marketing.

    Performance cookies
    These cookies collect information about how visitors use a web site, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information that identifies a visitor although they may collect the IP address of the device used to access the site. All information these cookies collect is anonymous and is only used to improve how a website works, the user experience and to optimise our advertising. By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings. For more information you may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wider variety of browsers (Internet Explorer, Google Chrome, Firefox and Safari).

    Functionality cookies

    These cookies allow the website to remember choices you make (such as your username). They are also used to identify what type of customer you are based on your behaviour. Using this information we may set your default homepage to that which is most appropriate for you for the next time you visit us (e.g. you may see Private Banking information rather than Personal Banking). They may also be used to provide services you have requested such as watching a video. The information these cookies collect is anonymised (i.e. it does not contain your name, address, account details, etc.) and they do not track your browsing activity across other websites. By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings. For more information you may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wider variety of browsers (Internet Explorer, Google Chrome, Firefox and Safari).

    Targeting cookies
    These cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks. They remember that you have visited a website and this information is shared with other organisations such as media publishers. These organisations do this in order to provide you with targeted adverts more relevant to you and your interests. This type of advertising is called online behavioural advertising and those companies providing this advertising are working with the UK's Internet Advertising Bureau to deliver more information to consumers. To highlight this information, publishers of advertising will, in the future, look to place an icon in the top right hand corner of an advert. This icon when clicked, will take you through to the website Your Online Choices where there is more help and guidance. In addition, Lloyds Banking Group (including Lloyds Bank) seek to only use advertising networks which are signed up to to the IASH code of conduct for the placement of adverts. This code requires members to have their processes audited by a third party to ensure compliance. By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings. For more information you may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wider variety of browsers (Internet Explorer, Google Chrome, Firefox and Safari).

The cookies that we use

  • Cookies used by Lloyds Bank

    Below is a full list of the cookies used by Lloyds Bank along with a description of what they are used for, and whether they are 'first' or 'third' party.

    Cookie Name Description
    _WT.18 This cookie is used to identify your homepage preferences and what type of customer you are to improve your online experience. We look at your browsing behaviour across our websites and which Internet Banking services you use. For example, if we see that your preference is to navigate to the International homepage from our Personal Banking one, for the next time you visit lloydsbank.com you will automatically see the International homepage. This is a 1st party persistent cookie.
    _wt.activeSplit, _wt.conversion Webtrends Optimize cookies used to track the use of any tailored message on the website so we can improve your online experience further. These are temporary cookie and do not store any personal information.
    _wt.control-319359-ta_LloydsInt_15_IslandsTarget Webtrends Optimize cookie used to display signposting messages for customers living in the Isle of Man and Channel Islands when they visit our homepage. The cookie does not store personal information other than the IP address of your device. This is a third party persistent cookie which is stored for 90 days from creation / last visit.
    _wt.mode-319359 Webtrends Optimize cookie used to identify if a tailored message on the website is currently active or inactive. This is a temporary cookie and does not store any personal information.
    Acookie ACOOKIE is a Webtrends optimise first party cookie. Lloyds Banking Group (including Lloyds Bank) have a First party relationship with Webtrends who act on our behalf. Data contained in cookie includes visitor identifier (not personal details); which of our websites was visited; the time of last visit to one of our websites and the time of this visit. This allows us to understand how recently your device was used to access our website.
    ASP.net_sessionID This cookie is the default one used by ASP.NET to uniquely identify the user's session on the site and relates the visitor's unique session to server side data. The cookie will expire at the end of the session (when you close your browser).  
    ASPSESSIONIDCQTCCRDR Part of the Online Media Group (OMG) suite of cookies. This cookie records what website the click came from and it's referring URL. No personal information other than the user's IP Address is collected. The function of this cookie is to help with campaign optimisation by providing details of which of our partners are driving the largest volume of applications. This cookie allows us to remunerate our partners for successful online applications. This cookie does not allow either LBG or OMG to see any personal data. This is a third party cookie.
    ck, oo, pt from go.affec.tv These are third party cookies from Go Affectv, an online advertising broadcaster. They use the cookies to analyse and report on the traffic to the websites which use their services. They abide by regional laws and have an active OPT OUT policy.   The information they capture is stored for 3 years using a single, anonymous user ID. This ID is not a personally identifiable information.
    Cookies from Rfihub.com These cookies are third party cookies used by Rocket Fuel ad servers (rfihub.com domain). We use their service to advertise our services on the internet. They create and access three types of cookies: Session cookies that expire at the end of the session
    • CappingPerBrowserSession
    • UserDataChecksumSessionCookie
    • UserDataSessionCookie
    Persistent cookies that expire 18 months from the creation
    • MediaConditions
    • User frequency capping
    • PageViewCounts
    • AdViewHistoryList
    • AdClickHistoryList
    • ConversionHistoryList
    • ExternalUserSegmentList
    • serCookieCreationTime
    • PixelsFired
    Persistent cookies that expire 20 years from the creation  
    • UserData. User id, which could be OPT_OUT 
      These cookies help improve your online experience by displaying more relevant adverts. None of the Rocket Fuel cookies store or map to Personally Identifiable Information.    
    Ecm This cookie is used by the Ektron application to store information about the anonymous visitor, including language, currency, user culture, and site information.
    EkAnalytics Built-in analytics tracking.
    EktGUID Encrypted cookie used to track visitors to the site. A unique identifier for the current visitor is generated for all visitors, including anonymous visitors, and assigned to the visitor at the time they first arrive on the site. We use this information to uniquely identify the user when they perform unauthenticated actions on the site, such as commenting on content, and also to compile reports on visitor usage. This cookie expires after 1 year.
    IB.CookiesEnabled This is an essential security cookie for Internet Banking. This is a first party cookie.
    IB.SessionId, DefaultTimeoutInterval, ShortTimeoutInterval These cookies are used for storing the customers session ID which is used to identify the customer. Session ID is then used to store the customers data for 15 minutes so they do not have to rekey information when navigating between pages.
    IBOcookieID, IB.Username These cookies store the username of a customer on the sign in page, only work once the customer has requested this via the tick box on screen. These are first party cookies.
    Id The Id cookie collects the following:
    • An anonymous, unique identifier used to track advert delivery and conversion activity, and to build behavioural profiles for use in Google Ad Exchange or Google Content Network.
    • Recent click history for your device is also collected in encrypted form, this allows external advertisers to target users of the device with adverts based on perceived interests.
    The cookie doesn’t store the IP address, but this is passed through to Google along with cookie by the browser. Google then renders the IP address unreadable by removing the last 3 characters. This is a third party cookie.
    LloydsTool This cookie is used by Lloyds Bank to tell if a user has completed the "Is International Banking Right for You" tool.
    tabCookie This cookie is used by Lloyds Bank and is sometimes used to remember the last viewed tab in previous pages. It is designed to improve the user’s online experience.
    TRADEDOUBLER This cookie records what website the click came from and it's referring URL. No personal information other than the user's IP Address is collected. The function of this cookie is to help with campaign optimisation by providing details of which of our partners are driving the largest volume of applications. This cookie allows us to remunerate our partners for successful online applications. This cookie does not allow either LBG or TRADEDOUBLER to see any personal data. This is a third party cookie.
    WT_FPC The purpose of this cookie is to identify the visitor and the session to allow us to track usage of our websites so we can improve them. Data contained in the cookie includes a visitor ID which is anonymous, the time of start and end of the visit. This is a first party cookie.

    Additional information

    From time to time, we may embed external content from third party websites (e.g. Facebook, YouTube) within our website. Additionally, we partner with third parties who provide services for us which you can navigate to from our website. These third parties may use cookies, you can find out about their approach to cookies on their websites.

    What if I don’t want to accept cookies?
    If you wish to restrict or block the cookies which are set by any website - including Lloyds Bank websites, you should do this through the web browser settings for each web browser you use, on each device you use to access the Internet.

    Please be aware that some of our services, for example Internet Banking, will not function if your web browser does not accept cookies. However, you can allow cookies from specific websites by making them "trusted websites" in your web browser. For more information you may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wider variety of browsers (Internet Explorer, Google Chrome, Firefox and Safari).

Our International services are offered by Lloyds Bank International Limited, Lloyds Bank (Gibraltar) Limited & Lloyds Investment Fund Managers Limited. See company Information.

Lloyds Bank International Limited.  Registered office and principal place of business: P.O. Box 160, 25 New Street, St. Helier, Jersey JE4 8RG. Registered in Jersey, number 4029. Regulated by the Jersey Financial Services Commission. We abide by the Jersey Code of Practice for Consumer Lending.

Lloyds Bank (Gibraltar) Limited.  Registered office and principal place of business: Royal Ocean Plaza, Ocean Village, Gibraltar, GX11 1AA. Registered in Gibraltar, no 99982. Regulated and authorised by the Gibraltar Financial Services Commission for the conduct of banking, investment and insurance mediation business.

Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited are wholly owned subsidiaries of Lloyds Bank plc. Lloyds Bank plc is incorporated in the United Kingdom, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278, and is part of the Lloyds Banking Group. Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited place funds with Lloyds Bank plc and thus their financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited and their parent based upon publicly available information. Download Lloyds Bank International Limited’s latest annual financial statements. Lloyds Bank (Gibraltar) Limited’s latest annual financial statements are available through Companies’ House in Gibraltar at www.companieshouse.gi

Lloyds Investment Fund Managers Limited. Registered office: PO Box 160, 25 New Street, St Helier, Jersey JE4 8RG.  Authorised by the Jersey Financial Services Commission under the Collective Investment Funds (Jersey) Law 1988.