Unclaimed dormant accounts

If you've forgotten a bank or savings account you have with us, we can help reunite you with your money.

Reclaiming your old account

If you think you still have an account with us

If you've held a Lloyds Bank account in the past and think you may still have accounts with us, we can do our best to find and reactivate these for you.

Before you begin, try and get hold of the following information about your Lloyds Bank account. This will help speed up your search:

  • old bank statements
  • old passbooks
  • any other correspondence from us
  • any other information relating to your account.

Starting the reactivation process

There are several ways to begin the tracing process:

  • To begin the process, please give us a call or visit us in branch.
  • Visit https://www.mylostaccount.org.uk/ to submit an electronic account tracing form online. This is an official site set up by UK Finance, the Building Societies Association (BSA) and National Savings and Investments (NS&I) to reunite you with accounts which may have been lost from multiple banks and building societies.
  • Download a copy from the above link and send it directly to us at:
    Lloyds Bank plc
    Charlton Place
    Andover
    SP10 1RE

If you do contact us by phone or visit one of our branches, please have to hand any old passbooks, statements or other information related to the account you're trying to find. You'll also need to bring along to the branch some identification, like a passport or driver’s license.

Once we've found your accounts we'll write to you about the next steps of reuniting you with your money. You should hear from us within 90 days.

About the dormant account reclamation scheme

We participate in the unclaimed assets scheme established under the Dormant Bank and Building Societies Act 2008. The purpose of the scheme is to enable money in dormant accounts (which means balances in accounts that have been inactive or dormant for 15 years or more) to be distributed for the benefit of the community, while protecting the rights of customers to reclaim their money.

Under the scheme, we may transfer balances of dormant accounts to Reclaim Fund Limited (RFL). RFL is a not-for-profit reclaim fund which is authorised and regulated by the Financial Conduct Authority.

If we transfer the balance of your account to RFL, you will have against RFL whatever right to payment of your balance you would have had against us if the transfer had never happened. However, we will remain responsible for managing all aspects of the customer relationship with you and for handling all repayment claims (which we will do on behalf of RFL).

Both we and RFL participate in the Financial Services Compensation Scheme (FSCS). The transfer by us to RFL of your balance will not adversely affect any entitlement you have to compensation from the FSCS.

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Protecting your money

FSCS logo



The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS

Important legal information

Lloyds and Lloyds Bank are trading names of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.

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