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Scam messages
Fraudsters send emails and texts with fake links to try to steal your details.
Red flags to watch out for
Fraudsters might send messages with threats or time-sensitive offers so you’re more likely to act without taking the time to think.
If you get an unexpected message, ask yourself these questions:
- Are they asking for my personal details?
- Does the message include a link?
- Are they asking for urgent payments?
- Are there any spelling and grammar errors?
Be scam smart
Stay one step ahead
Scam emails, texts and messages often come without warning. Stay alert and don’t just look for spelling mistakes.
- Check the sender’s name against the email. Hover your mouse over the email address, or on a mobile device, select it.
- Call the person or company on a number you trust to check it’s from them.
If you spot any warning signs, don’t reply. Report the message and delete it.
Is it really a message from Lloyds?
We'll always include your name, and the last four digits of an account you have with us, so you know our emails are genuine. We may also send you links to our secure app, to take you straight to the information you need.
We will never:
- Send you to a web page that asks for your logon, personal or banking details.
- Tell you to move money to another account.
- Ask you to make a test payment online.
- Link directly to our Internet Banking log on page.
If you're not sure that an email is from us forward it to emailscams@lloydsbanking.com and delete it.
You can also speak to us through the Mobile Banking app or Internet Banking.
Can you spot the warning signs in these messages?
- The link goes to a page that asks for personal or banking information.
- The customer's name is missing.
- There are spelling and grammar mistakes.
- The email address doesn’t end in @royalmail.com.
Not expecting an email? Don’t reply and contact the company directly.
- There’s a link asking for account details.
- The email makes you feel rushed with a threat.
- The customer's name is missing. A real company would send a letter with your name on before anything serious happens.
If you get an email like this, log on to your account on the official website.
- The link is asking for personal and payment information.
- Fraudsters know people get a lot of deliveries. The message tries to make you worry that yours won’t show up.
If you get a text like this – don’t reply. Forward it to 7726 and delete it.
The message looks like it came from a real organisation, but it’s a fraudster and the link is asking for personal information.
If you want to check a website address from a message like this, use a website checker like the one on Get Safe Online.
Learn about other scams and how to protect yourself
Scam calls
Want to know how fraudsters can use your details to win your trust?
Buying online scams
Fraudsters sell fake items online or ones that don’t exist.
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.
Personalisation. We will always greet you personally using your name. We will never use ‘Dear User’ or ‘Dear Valued Customer’. Where you hold an existing account with us, we will quote the last four digits of your account number, such as your current account, savings account or credit card. If you don’t yet have an account with us but we have your postal address details, we may use part of your postcode. Internet Banking-related emails may also include your Internet Banking User ID.
Links. All links within our emails will go to a page on www.lloydsbank.com, or to trusted Government regulatory websites (e.g. Financial Ombudsman, Financial Conduct Authority, etc). Research emails may take you to a partner research company website, but we will never send you to a web page that asks for your logon, personal or banking details. However, we will sometimes include links to more information to help you and we will sometimes send you links to our secure app, to take you straight to the information you need.
In fraudulent emails, website addresses may appear genuine on first sight, but if you hover your mouse over the link without clicking, it may reveal a different web address. On our genuine emails the link address always starts with email.lloydsbank.com or www.lloydsbank.com. We will never link direct through to our Internet Banking log on page or to a page that asks for your security or personal details.
