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Authorised Push Payment scams
We can help you keep your money safe from fraudsters. If you do everything you can to protect your accounts, we’ll be more likely to refund you if you lose money to a scam.
What is an Authorised Push Payment?
Authorised Push Payment (APP) fraud is a transfer of funds across Faster Payments, CHAPS or an internal transfer, authorised by a customer where:
- The customer intended to transfer funds to another person, but was instead deceived into transferring the funds to a different person; or
- The customer transferred funds to another person for what they believed were legitimate purposes, but which were in fact fraudulent
Banking online securely
Open Banking
Open Banking lets you see all your accounts in one place. But you should always use your bank’s official app for any transactions. For your security, we transfer you to our secure website when you use Open Banking. Make sure the web address has the ‘s’ in ‘https://’ and that it ends in ‘lloydsbank-online.co.uk’.
We will never:
- call or message asking you to move money to a ‘safe’ account
- share your logon details with anyone or ask for them.
If you see any transactions you don’t recognise, contact us straightaway.
Making payments safely
How to make a claim
Payments made before 7 October 2024
These claims may be protected by the Contingent Reimbursement Model code. Get in touch, we’ll continue to review these claims on a case-by-case basis.
Payments made on or after 7 October 2024
From 7 October 2024, to protect you from fraud, Lloyds will follow a new set of rules for customer scam refunds.
Authorised Push Payment FAQ’s
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Lloyds is a signatory of the voluntary CRM code. This is a set of standards designed to protect consumers from Authorised Push Payment (APP) scams. In these types of scams, fraudsters trick people into authorising payments to their accounts.
The CRM code doesn’t apply:
- Where someone takes money from your account without your permission.
- Where you have given someone permission to make a payment on your behalf and they have taken more money out than you said they could (this is known as unauthorised fraud).
- Where payments are made using cash, cheque, credit, debit or prepaid card.
- To cryptocurrency, non-domicile accounts, or accounts outside the UK.
- To payments made on or after 7 October 2024. From this date, Lloyds will follow a new set of rules for APP refunds.
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The PSR regulates the payment systems that the UK banks, building societies, and payment service providers operate.
When someone moves money electronically, they do this using a payment system. This includes contactless payments, money transfers, and your salary.
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Our APP fraud data for 2023 is shown on the graphs at the bottom of our homepage. We show this information in line with PSR requirements, using the data that they collect from all major UK banks.
You might notice groups of brands in the graphs. Lloyds is part of a group with Halifax and Bank of Scotland, so this data is for all three brands combined.
You can read the full report at psr.org.uk/app-fraud-data
Learn about other scams and how to protect yourself
Scam calls
Want to know how fraudsters can use your details to win your trust?
Scam emails and texts
Find out how fraudsters try to steal your details.
Pension scams
Fraudsters can pretend to be someone you trust to target your pension.
Investment scams
Fraudsters may pretend to be a genuine company or adviser.
Protect your devices
Do you know how to keep all of your devices safe?
Protect your identity
Fraudsters may try to steal your personal and banking details.
