The main Lloyds Bank number for personal current accounts, savings and ISAs is 0345 300 0000 (+44 (0)1733 347 007 from abroad). Lloyds says the line is open 8am to 6pm, 7 days a week, and closed on bank holidays. If you’d rather not call, Message us in the Lloyds app and online banking runs 24/7, and you can report a lost card or most debit card fraud in the app without speaking to anyone.
This page lists Lloyds’ numbers by department, how to use Message us, how to report fraud and how to complain. For an overview of Lloyds’ accounts, see our Lloyds Bank review.
Lloyds phone numbers by department
| What you need | Number | When Lloyds says it’s open |
|---|---|---|
| Current accounts, savings and ISAs | 0345 300 0000 (+44 (0)1733 347 007 from abroad) | 8am to 6pm, 7 days a week; closed bank holidays |
| Internet Banking fraud, or a payment you think went to a fraudster | 0800 917 7017 (+44 20 7481 2614 from abroad) | Any time |
| Credit card fraud, or existing credit card queries | 0345 606 2172 (+44 1702 278 272 from abroad) | Fraud: any time. Queries: 8am to 6pm, 7 days a week |
| Complaints | 0800 072 3572 (+44 1733 462 267 from abroad) | See Lloyds’ complaints page |
| Bereavement support | 0800 015 0012 (+44 1733 261630 from abroad) | 8am to 6pm, 7 days a week |
| Existing mortgage, general enquiries | 0345 603 1637 | Monday to Friday 8am to 6pm, Saturday 9am to 1pm |
| Help with your overdraft | 0800 015 0032 | Monday to Saturday 9am to 6pm; closed bank holidays |
| Switching your account to Lloyds | 0345 604 9956 | Monday to Friday 9am to 5pm |
| Club Lloyds Lifestyle Benefit | 0345 303 0303 (+44 1733 462 224 from abroad) | Monday to Saturday 8am to 8pm; Sundays and bank holidays 9am to 6pm |
| Lost or stolen card | 0800 096 9779 (+44 1702 278 270 from abroad) | 24 hours a day, 7 days a week |
| Emergency cash while outside the UK | +44 1702 278 270 | 24 hours a day |
| Business banking | 0345 072 5555 (+44 (0)1733 347 338 from abroad) | Monday to Friday 8am to 6pm, Saturday 9am to 2pm; closed bank holidays |
Packaged accounts (Silver, Platinum, Lloyds Premier and others) have their own support numbers, listed on Lloyds’ Call us page. If you’re Deaf, hard of hearing or have a speech difficulty, you can dial 18001 before any Lloyds number to use Relay UK, or talk to an adviser through a British Sign Language interpreter using SignVideo (8am to 6pm, 7 days a week).
If you have the Lloyds app, you can call from inside it (search “Call us”), which Lloyds says lets you skip the security questions.
Message us in the app or online banking
Message us is Lloyds’ chat service. A virtual assistant answers first; if it can’t help, it passes your query to a person, who gets back to you when they have an answer. Lloyds says people are available at these times:
- banking and savings accounts: 24/7
- credit cards: 24/7
- mortgages: Monday to Friday 8am to 8pm, Saturday 8am to 4pm
To start a chat in the app, log in, select Search, then Message us 24/7. In online banking, select Help & support, then Message us 24/7. Turn on notifications for the Lloyds app so you see replies. Don’t type your password, memorable information, card number or PIN into a chat.
Reporting fraud to Lloyds
What to do depends on what’s been compromised.
A debit card payment you don’t recognise, or someone knows your debit card PIN. Lloyds asks you to report this in the app, including when someone has used your debit card without your approval. Find the payment, select Help with this transaction, then View your options. The app first shows extra detail (such as the retailer’s other trading names and where the payment was made), which often explains a payment you didn’t recognise. If it still isn’t yours, select Report this transaction and follow the steps. Your card is frozen while you report it, and you get a claim reference at the end. If Lloyds can’t process the claim in the app, it tells you how to contact it.
Internet Banking fraud. Call 0800 917 7017 (+44 20 7481 2614 from abroad) if money has been taken from your account, if you’re worried a payment you made was fraudulent, if someone knows or has asked for your Internet Banking password or memorable information, if someone has used your Internet Banking without your approval, or if someone has had you move their money through your account.
Credit card fraud. Call 0345 606 2172 (+44 1702 278 272 from abroad) if someone knows your credit card PIN or has used the card without your approval.
A lost or stolen card. Report a lost or stolen card in the app or online banking, or call Lloyds on 0800 096 9779 (+44 1702 278 270 from outside the UK), 24 hours a day; a cancelled card can't be reinstated, so if you've only misplaced it, freeze it instead.
- In the app, search "lost or stolen" and fill in the short form.
- In online banking, select Help & support and choose lost or stolen card.
- Or call 0800 096 9779 (+44 1702 278 270 from outside the UK), 24 hours a day, 7 days a week.
- Lloyds cancels the card straight away and sends a new one in five working days, depending on the type of card.
- You can see your new debit card's details in the app the next day.
That lets you use your new card details online while you wait for the card.
If you were tricked into sending money. This is authorised push payment (APP) fraud. For payments made on or after 7 October 2024, Lloyds follows a newer set of rules for scam refunds; for earlier payments, it reviews claims case by case under the voluntary Contingent Reimbursement Model code, which Lloyds signed. Report it on 0800 917 7017 as soon as you can, and note that Lloyds says it might not refund you if you ignored its warnings when making the payment.
Lloyds says it will never ask you to tell it your account details, share your Personal Security Number, tell it your PIN or card expiry date, or move money to another account. For how the common scams work and how to protect yourself, see our bank scams protection guide.
Bereavement and managing someone else’s money
Lloyds says its online bereavement form is the quickest way to tell it about a death, because it lets the bank protect the accounts straight away. You can also call the bereavement team on 0800 015 0012, or visit a branch (bring your own debit card or one form of ID if you’re a Lloyds customer too). If Lloyds is named as the executor in a will, call 0800 056 0171, Monday to Friday, 9am to 5pm.
Visiting a branch
To find a branch and check its opening hours, use Lloyds’ online branch finder before you travel. If you’re a Halifax or Bank of Scotland customer, you can use a Lloyds branch too: all three belong to Lloyds Banking Group, and Halifax branches are changing to Lloyds. A branch visit is the route for a CHAPS payment from Lloyds, and for Faster Payments made in branch, which have their own daily limit (see our Lloyds transfer limits guide).
How to make a complaint to Lloyds
You can complain in any of these ways:
- by phone on 0800 072 3572 (+44 1733 462 267 from abroad), or by textphone on 0800 056 7614 (+44 1733 347 500 from abroad)
- through Message us, 24 hours a day
- with Lloyds’ secure online complaint form
- in any Lloyds branch
- in writing to Lloyds, Customer Services, Leeds, LS78 1LB (include your account details, what happened and what you want Lloyds to do, plus a phone number and a time that suits you, as Lloyds will call you when your letter arrives)
What happens next, according to Lloyds:
| When | What Lloyds says it does |
|---|---|
| Within 5 working days | If your complaint isn’t resolved, you get an update or acknowledgement |
| At 4 weeks | If it’s still investigating, it tells you |
| By 8 weeks | It sends you a final response |
| Payment service complaints (for example a direct debit or a statement) | It aims to respond within 15 days, and at most 35 days, telling you if it needs longer |
If you’re unhappy with the outcome, you can refer your complaint to the Financial Ombudsman Service within 6 months. The service is free. Lloyds lists its contact details as 0800 023 4567, complaint.info@financial-ombudsman.org.uk, or post to The Financial Ombudsman Service, Exchange Tower, London E14 9SR.
Related Lloyds guides
If you’re calling about a specific charge, our Lloyds fees guide explains overdraft costs and card charges abroad. Our Lloyds sort code guide shows where to find your account details in the app, and the Lloyds ATM limit page covers daily cash withdrawals.