There’s no single Lloyds sort code: each account has its own, and the first two digits tell you which bank in the Lloyds group provides it. Lloyds says accounts provided by Lloyds Bank plc have sort codes starting 30 or 77, and accounts provided by Bank of Scotland plc have sort codes starting 11. You can find your own sort code and account number in the Lloyds app, and your IBAN and BIC in the app or online banking.
This page covers where to find each detail, what your sort code says about your account, and what changes (and doesn’t) if your account came from Halifax. For an overview of Lloyds’ accounts, see our Lloyds Bank review.
What your Lloyds sort code tells you
| Sort code starts with | Your account is provided by | Why it matters |
|---|---|---|
| 30 or 77 | Lloyds Bank plc | Your account follows the Lloyds Bank plc terms and conditions |
| 11 | Bank of Scotland plc | Lloyds publishes separate terms and conditions for these accounts, even though they carry the Lloyds name |
| Whatever it was at Halifax, if your account moved from Halifax | Bank of Scotland plc (Lloyds says Halifax deposits count within Bank of Scotland plc) | Halifax says sort codes and account numbers stay the same through the brand change |
Lloyds publishes a separate terms and conditions guide, welcome pack and Club Lloyds lifestyle benefits terms for each of the two providers, so the sort code is how you pick the right documents. It also matters for savings protection: the FSCS protects up to £120,000 per person for each authorised bank, and Halifax says its customers’ deposits count within Bank of Scotland plc, separately from money held with Lloyds Bank plc. Our guide to FSCS protection when a bank goes bust explains how the limit works.
How to find your sort code and account number
In the Lloyds app: log in and choose More under the account you want. Select Send bank details, then Send UK details to share your sort code and account number with someone through WhatsApp, iMessage or another messaging app. Only send them to people you know.
If you don’t bank online: Lloyds says you can call it instead. Its personal banking line is 0345 300 0000; our page on contacting Lloyds lists the other numbers.
Your IBAN and BIC for international payments
Someone paying you from outside the UK needs your IBAN (International Bank Account Number) and BIC (the code that identifies the bank, often called a SWIFT code), plus your full name and address. Lloyds shows the IBAN and BIC for each account:
- online banking: select the account, then View IBAN / BIC
- app: select the account, open the three-dot menu, choose Send bank details, then Send international details, and send them straight to the payer
Copy your details from the app or online banking rather than building an IBAN yourself or using a BIC from a website. Lloyds accounts can be provided by different banks in the group, and Lloyds says accounts that moved over from Halifax still have an IBAN and BIC that include the Halifax prefix HLFX. That’s expected, and it won’t affect your international payments.
What receiving money from abroad costs, as of 28 September 2026 (confirm the current fees):
| Payment you receive | Lloyds’ fee |
|---|---|
| Euro payments from within the UK or EEA, or by SEPA credit transfer | No fee |
| Other payments up to and including £100 | £2 |
| Other payments over £100 | £7 |
Lloyds says these two fees don’t apply to payments in pounds from within the EU paid into its Basic Account.
Lloyds converts foreign currency into pounds on the day it pays the money into your account, at its standard exchange rate. That rate includes a margin over the wholesale rate, which Lloyds listed as 3.55% for payments up to £10,000 as of 28 September 2026, with different margins for larger amounts. The sending bank, or an agent bank it uses, may also take a fee before the money reaches Lloyds. Euro payments from a bank in the EEA should arrive by the end of the next working day; for other payments, timing depends on the sending bank.
If an expected payment hasn’t arrived, ask the sender to have their bank trace it. If their bank sends you back to Lloyds, you’ll need the payment’s unique tracking reference and the sender’s reference.
Using your Lloyds details to get paid
Your sort code and account number are what you give an employer, a pension provider or anyone else paying you in pounds within the UK. On Club Lloyds, all of those pay-ins count toward the monthly amount that gets the account fee refunded; the Club Lloyds section of our Lloyds review explains the rules.
You’ll also use them to move money between your own accounts. For example, the Club Lloyds Monthly Saver is paid into by a single standing order or by bank transfer, as our Lloyds savings accounts guide explains (see direct debits vs standing orders if you’re setting one up for the first time). For how much you can send in a day, see the Lloyds transfer limits.
If your account moved from Halifax
Halifax is changing its brand to Lloyds. Halifax says your account number and sort code stay the same, along with your card details, PINs, standing orders and direct debits, so there’s nothing new to give your employer or anyone who pays you. Only your IBAN and BIC carry the Halifax prefix described above, and they keep working as they are.
Is it safe to share your details?
Lloyds’ own advice is that it’s usually fine to share your sort code and account number, but never with anyone who contacts you out of the blue, because fraudsters use scam messages to collect bank details. Lloyds says it will never ask you to tell it your account details or move money to another account; how to report a suspected scam to Lloyds is on our Lloyds customer service page, and our bank scams protection guide covers the common tricks.