Challenge unexpected contact
Hang up and call back on a number you trust. Fraudsters can spoof caller ID.
Help and guidance
Fraud and security
Stay ahead of scams, protect your accounts, and know what to do if you think you have been targeted.
Latest scams to watch for
Fraudsters change tactics often. These are among the most common schemes reported by UK customers:
- Impersonation calls claiming to be from your bank, the police or HMRC
- Fake delivery or parcel fee texts with links to phishing websites
- Investment opportunities promoted on social media with guaranteed returns
- Romance scams that build trust before requesting money transfers
- Invoice redirection where email accounts are hacked to change payment details
- Remote access software installed after a cold call about a "computer virus"
If something feels rushed, secretive or too good to be true, pause and verify using a trusted contact method.
Protect yourself
Verify before you pay
Confirm new payee details by phone using a number you look up yourself.
Keep devices secure
Use screen locks, biometrics and official app stores only.
Use strong credentials
Unique passwords and PINs that you never share with anyone.
Reporting fraud
If you believe you have been a victim of fraud, or you have shared personal or banking details, contact us immediately.
- Call our fraud helpline (details below) — lines are open 24 hours a day
- Use Internet Banking or the mobile app to freeze your debit card
- Email helpdesk@lloydsmerchantbank.com with "Fraud" in the subject line
- Report the incident to Action Fraud at actionfraud.police.uk or on 0300 123 2040
We will investigate, secure your account where needed, and explain the next steps. Keep records of any suspicious messages or calls.
Emergency contacts
| Service | Contact | Hours |
|---|---|---|
| Fraud and scams | 0800 015 1515 | 24/7 |
| Lost or stolen cards | 0800 015 1516 | 24/7 |
| General helpdesk | helpdesk@lloydsmerchantbank.com | Mon–Fri 8am–6pm |
| Action Fraud (UK) | 0300 123 2040 | Mon–Fri 8am–8pm |
If you are deaf or hard of hearing, you can use Relay UK by dialling 18001 before the number above.
Frequently asked questions
No. We will never ask you to disclose your full password, PIN, or one-time passcodes. End the call and report it to us if anyone does.
This is when you are tricked into sending money to a fraudster, often after a fake invoice, romance scam or impersonation call. Always verify payee details independently before you pay.
Contact us immediately. The sooner we know, the more we can do to protect your account and support any recovery efforts.
No. Use contact details from our website, your card, or a statement — not from an unexpected message.
Related information
Think you have been scammed?
Call us straight away or use our contact form — select Fraud and security as your enquiry type.