Passcode scams

Passcodes help us to protect your account.

We explain how they work and why you need to keep them safe.

What is a passcode?

A passcode is a unique set of numbers, a little bit like a PIN number, but you only use it once. 

We may send you a passcode to make sure that it’s you using your account.

Fraudsters could call to ask you for a passcode. If you get a call like this, hang up.

If you get a code unexpectedly, contact our fraud team right away.

Watch the short video to find out more about passcode scams. 

Passcode scam video
 

What is a passcode?

A passcode is a unique set of numbers, a little bit like a PIN number, but you only use it once. 

We may send you a passcode to make sure that it’s you using your account.

Fraudsters could call to ask you for a passcode. If you get a call like this, hang up.

If you get a code unexpectedly, contact our fraud team right away.

Watch the short video to find out more about passcode scams. 

How passcodes work

  • Passcodes are sent by text or an automated call when you do things such as:

    • Log on to Internet Banking.
    • Use your card to buy something online.
    • Change your details, like a password, phone number or address.

    Please make sure we have your latest phone number.

  • Once a passcode arrives, you need to enter it on our app or your Internet Banking screen.

    If you enter it incorrectly, you may need to call us before starting again.

How to protect your passcode

Keep your passcode private

A Lloyds Bank passcode is for you to use and nobody else.

Never share it with anyone.

Only enter it when our Mobile Banking app or the Internet Banking screen tells you to.

How to spot a passcode scam

If a fraudster steals your personal or banking details, they could call you to pretend to be your bank. They may ask you for a passcode, one time password or to approve a payment on our app, making up reasons why you should tell them, such as to:

  • Stop a fraudulent payment.
  • Refund your account.
  • Secure your account.

If you get a call like this, hang up.

We’ll never call you to ask for any of these things.

Other ways we protect you online

Activation code

When you first register for Internet Banking, we’ll send you an activation code through the post.

This code contains letters and numbers and you only use it once, just like a passcode.

Never share an activation code with anyone.

How to pay safely online

Learn about other scams and how to protect yourself

Learn about the latest scams

Fraudsters are always looking for new ways to try to steal your details and money. Discover which scams are common right now.

Go to latest scams

Have you been targeted by fraudsters?

Contact us right away if you think you've been scammed. We can then guide you on what to do next.

Contact us now

Stay scam safe

Learn how to spot and avoid scams, and how to report fraud.

Protect yourself from fraud

Stay scam safe

Learn how to spot and avoid scams, and how to report fraud.

Protect yourself from fraud