Part of our Lloyds Bank — Complete Guide 2026 hub.
Lloyds Bank offers customer support by phone, in-app messaging, online banking, and in branch across the UK. Here’s a full guide to every contact method, what each one is best for, and how to make a formal complaint if needed.
Lloyds Bank Contact Numbers
| Query Type | Number | Notes |
|---|---|---|
| Personal banking (general) | 0345 300 0000 | Main line for most queries |
| Lost or stolen card | 0345 300 0000 | Select card option; freeze instantly in app |
| Fraud and scams | 0345 300 0000 | Fraud team available 24/7 |
| Mortgages | 0345 300 0000 | Ask for the mortgage team |
| Bereavement | 0345 300 0000 | Ask for bereavement services |
| Textphone (hearing impaired) | 0345 300 2281 | Minicom/textphone service |
All 0345 numbers are charged at local rate and count as standard calls under most UK mobile contracts.
Lloyds Bank App — Secure Messaging
For non-urgent queries, the Lloyds Bank app includes a secure messaging function where you can contact the support team without waiting on hold.
To use in-app messaging:
- Open the Lloyds Bank app and sign in
- Tap Help or navigate to Contact us
- Choose your query type — many can be handled by the virtual assistant, or you can request a human agent
In-app messaging is best for: account queries, statement requests, direct debit questions, and general banking information. Response times vary — typically within a few hours during business hours.
For time-sensitive or urgent matters — fraud, lost/stolen cards, or large transfers — always call.
Reporting Fraud to Lloyds
If you think your account or card has been compromised, act quickly:
- Freeze your card in the Lloyds app — go to Manage card and toggle the card off. This is instant and reversible.
- Call 0345 300 0000 — select the fraud option. This team is available 24/7.
- Change your online banking password via the app or at lloydsbank.com as soon as possible.
Types of Fraud Lloyds Can Help With
Unauthorised card transactions — if someone has used your card without permission, Lloyds will investigate and you’re generally entitled to a chargeback or refund.
Authorised push payment (APP) fraud — if you were tricked into voluntarily sending money to a fraudster, report it immediately. Under PSR rules effective from 2024, banks including Lloyds are required to reimburse most APP fraud victims. The sooner you report, the better your chances.
Phishing — if you received a suspicious message claiming to be from Lloyds, do not click any links. Forward suspicious texts to 7726 (free on all UK networks). Report suspicious emails via the Lloyds website.
Impersonation fraud — if someone calls claiming to be Lloyds and asks for your PIN, password, or one-time passcode, hang up immediately and call 0345 300 0000 using the number from the back of your card.
Visiting a Lloyds Branch
Lloyds maintains one of the largest branch networks among UK high-street banks. Branches are particularly useful for:
- Account opening requiring in-person identity verification
- Bereavement and estate administration
- Power of attorney registration
- Large or complex transactions
- Face-to-face mortgage or financial advice appointments
Use the Lloyds branch finder at lloydsbank.com to check locations and opening hours before travelling — hours vary by location.
How to Make a Formal Complaint to Lloyds
Step 1 — Complain to Lloyds directly
You can raise a complaint:
- By calling 0345 300 0000
- Via secure message in the Lloyds app
- In writing to Lloyds Customer Services (address on the Lloyds website)
- In person at any Lloyds branch
Be clear about what happened and what resolution you’re looking for. Lloyds must acknowledge your complaint and provide a final response within 8 weeks.
Step 2 — Financial Ombudsman Service (FOS)
If Lloyds’ response doesn’t resolve your complaint — or if 8 weeks pass without a final response — you can escalate for free to the Financial Ombudsman Service:
- Website: financial-ombudsman.org.uk
- Phone: 0800 023 4567 (free from UK landlines and mobiles)
- Decisions made by the FOS are binding on Lloyds
You must go through Lloyds’ own complaints process before the FOS will accept your case.