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  • Changes to shopping and banking online

  • Make sure you’re ready

    Like many other banks, we’re adding extra security checks when you use Currency Internet Banking and shop online.

    If you do either of these things, you may notice an extra step in security. This is because you’ll need to use two different ways of proving who you are. Your password and memorable information count as one way. The other way could be getting a passcode sent to your mobile, or us calling a number we hold on file.

    It’s important that you’re ready for these extra steps, otherwise you might not be able to make your purchase or log on.

  • How do I prepare?

    To make sure you're able to complete these extra security checks, there are a few things you can do:

    1. Check and update your phone number so we’re able to text a passcode to your mobile or call your telephone.
    2. When prompted, you can trust your device. Trusting your private and secure computer, laptop, tablet or mobile means we’ll know it’s you logging on.

    It’s very important that we have your up to date telephone number. You can update this from inside your Currency Internet Banking or by calling us. For more information on Sterling Internet Banking, please refer to this page.

  • Changes to shopping online

    When checking out purchases over a certain amount, you’ll notice the extra security during payment. The payment screen will ask you to verify yourself. You can do this through your:

    • App: Use the app to verify your purchase (Sterling cards only).
    • Text: We’ll text a passcode to your mobile phone, which you then enter on the payment screen.
    • Over the Phone: This will be an automated call to a telephone number we hold on file, asking you to say a code which comes up on your payment screen.
  • Changes to banking online

    When using Internet Banking, you’ll notice the extra security during log on and when making certain transactions. The screen will ask you to verify yourself. You can do this through your:

    • Device: If you regularly use your computer, laptop, tablet or mobile for Internet Banking, you can trust it. This helps us know it’s you logging on and not someone else.
    • Over the Phone: This will be an automated call to a telephone number we hold on file, asking you to say a code which comes up on your internet banking screen.
  • Changes to internet banking - Frequently asked questions

    What is Strong Customer Authentication?

    ‘Strong Customer Authentication’ means we will provide an extra layer of security for our customers. For you, it means more protection when you’re shopping and banking online. It will involve extra checks to prove it’s really you. This will help keep you safer from online fraud.

    Why are you adding these extra checks?

    An extra layer of security makes it harder for fraudsters to target your online accounts.

    How will this make online shopping and banking more secure?

    Most people use passwords as way of proving it’s them. Sadly, passwords can be guessed or stolen by fraudsters. So we’re adding a second layer of security to check it’s really you, and make it harder for anyone else to. There are three ways you can verify yourself:

    • Something you know” - this is a piece of secret information that only you know, like your password.
    • Something you have” - this is a device you own, like your mobile phone or card reader.
    • Something you are” - this is something that is unique to you, like your fingerprint.

    You’ll need to provide two of these three ways to verify it’s you. This is called 'two factor authentication'.

  • Want to know more?

    View more FAQs

    Get in touch

Lloyds Bank Corporate Markets plc is authorised and regulated in the UK as the non-ring fenced bank of the Lloyds Banking Group. The Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc are each separately licensed as regulated deposit-takers in their respective jurisdictions. Lloyds Bank Corporate Markets plc is independent from Lloyds Bank plc, which is authorised and regulated in the UK as the ring fenced bank of the Lloyds Banking Group. For more information on ring-fencing visit international.lloydsbank.com/ringfencing/.

Lloyds Bank (International Services) Limited, a Jersey registered and regulated bank, is a subsidiary of Lloyds Bank Corporate Markets plc, a UK Non-ring-fenced Bank. Both companies are part of Lloyds Banking Group plc. They are independent from Lloyds Bank plc which is Lloyds Banking Group’s ring-fenced UK regulated retail and commercial bank. For more information on ring-fencing visit international.lloydsbank.com/ringfencing.

Our International services are offered by Lloyds Bank Corporate Markets plc & Lloyds Bank (International Services) Limited. See Company Information. Whilst our services will be available to many customers, there are countries where, due to legal or regulatory restraints, we cannot provide them.

Rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of depositors and investors, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the Lloyds Banking Group carried out from offices outside of the United Kingdom.

Lloyds Bank Corporate Markets plc. Registered Office and principal place of business: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 10399850 with company number 10399850. Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.

Services provided by the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc will be subject to the regulatory regime applicable in their respective jurisdiction, which will differ in some or all respects from that of the UK. Further information about the regulatory status of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc, is set out below.

The Jersey branch of Lloyds Bank Corporate Markets plc, principal place of business 11-12 Esplanade, St Helier, Jersey JE2 3QA, is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and general insurance mediation business under the Financial Services (Jersey) Law 1998 and has also notified the Jersey Financial Services Commission that it carries on money service business. Lloyds Bank Corporate Markets plc, Jersey Branch, subscribes to the Jersey Code of Practice for Consumer Lending.

The Guernsey branch of Lloyds Bank Corporate Markets plc, principal place of business PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, is licensed by the Guernsey Financial Services Commission to take deposits and insurance intermediary business under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, and the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.

The Isle of Man branch of Lloyds Bank Corporate Markets plc, principal place of business Villiers House, 2 Victoria Street, Douglas, Isle of Man, IM1 2LN, is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and is also registered as an insurance intermediary in respect of general business.

Lloyds Bank International is a trading name of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc.

The paid up share capital and reserves of Lloyds Bank Corporate Markets plc was £4.3bn as at 31 December 2019 . Copies of our terms and conditions are available on request from the above registered office. View the latest report and accounts (PDF, 998kB).

Lloyds Bank Corporate Markets plc, Jersey Branch trading as Lloyds Bank International is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. Eligible deposits are deposits held by private individuals and charities. Depositor protection does not extend to corporations, small to medium sized enterprises, partnerships and trusts. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs or on request.

Lloyds Bank Corporate Markets plc, Isle of Man Branch trading as Lloyds Bank International is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010.

The Isle of Man branch of Lloyds Bank Corporate Markets plc is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010, as amended (the “Isle of Man Scheme”). The Isle of Man Scheme offers protection for ‘eligible protected deposits’ of up to £50,000 (which includes deposits by most individual persons but does not, for example, include trustees or nominees) or £20,000 for most other categories of depositor, subject to certain rules and limitations set out in the Isle of Man Scheme. The maximum total amount of compensation covered by the Isle of Man Scheme is £200,000,000 in any consecutive ten year period. Further details of the Isle of Man Scheme are available on the Isle of Man Financial Services Authority’s website and on request.

Lloyds Bank Corporate Markets plc, Guernsey Branch trading as Lloyds Bank International is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details are available on the Scheme’s website: www.dcs.gg or on request from telephone: +44 (0) 1481 722756 or post: P.O. Box 33, St Peter Port, GY1 4AT.

Deposits are not covered by the Financial Services Compensation Scheme under the Financial Services and Markets Act 2000 in the United Kingdom.

Deposits with the Guernsey branch of Lloyds Bank Corporate Markets plc will not be covered by any equivalent deposit compensation scheme to the Guernsey Banking Deposit Compensation Scheme in any other jurisdiction.

Complaints involving the Isle of Man branch of Lloyds Bank Corporate Markets plc that it cannot settle should be referred to the Financial Services Ombudsman Scheme in the Isle of Man. Complaints involving the Jersey and Guernsey branches of Lloyds Bank Corporate Markets plc that it cannot settle should be referred to the Channel Islands Financial Ombudsman.

Rules and regulations made under the Financial Services and Markets Act 2000 for the protection of investors, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the Lloyds Banking Group carried out from offices outside of the United Kingdom.

Lloyds Bank (International Services) Limited. Registered office and principal place of business: 11-12 Esplanade, St Helier, Jersey, JE2 3QA. Lloyds Bank (International Services) Limited is incorporated in Jersey No. 128655 and is regulated by the Jersey Financial Services Commission to carry on deposit taking business under the Banking Business (Jersey) Law 1991. Lloyds Bank (International Services) Limited has also notified the Jersey Financial Services Commission that it carries on money services business.

Lloyds Bank (International Services) Limited is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. Eligible deposits are deposits held by private individuals and charities. Depositor protection does not extend to corporations, small to medium sized enterprises, partnerships and trusts. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs or on request.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.

Lloyds Bank (International Services) Limited is a wholly owned subsidiary of Lloyds Bank Corporate Markets plc. Lloyds Bank Corporate Markets 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 763256, and is part of the Lloyds Banking Group. Lloyds Bank (International Services) Limited places funds with Lloyds Bank plc and Lloyds Bank Corporate Markets 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 Corporate Markets plc and Lloyds Bank (International Services) Limited and their respective parent company based upon publicly available information. Lloyds Bank Corporate Markets plc and Lloyds Bank (International Services) Limited's latest annual financial statements are available on our website at http://international.lloydsbank.com/legal-information/.

The paid up capital and reserves of Lloyds Bank (International Services) Limited was £35.6m at 31 December 2019. Copies of our terms and conditions are available on request from the above registered office. The latest report and accounts can be downloaded from http://international.lloydsbank.com/legal-information/.

View our information on how to complain.

Legislation or regulations in your home jurisdiction may prohibit you from entering into such a transaction with us. We reserve the right to make final determination on whether you are eligible for any products or services. Residents or Nationals of certain jurisdictions may be subject to exchange controls and should seek independent advice before entering into any transactions with us.