How to log in to Business Internet Banking

Log in securely using three characters from your memorable information, or with your Card Reader

The easiest way to log in to Business Internet Banking is to tell us you’re on a trusted device.

This means we’ll usually only ask you for three characters from your memorable information, as well as your password, each time you log on.

Sometimes we may ask you to use your Card Reader, so it’s a good idea to always have one to hand.

How your Card Reader works

Card readers generate unique, one-time passcodes used to help identify you and to confirm some of your online banking activities, especially payments.

We’ll prompt you each time you need to use it. Simple on-screen instructions will always guide you through the steps to take.

Your card reader holds no personal information about you and does not need to be connected to a computer.

Download the card reader user guide (PDF, 172KB)

  • Using your card reader for the first time

    Before you can use your card reader, you'll need to activate it.

    To do this, simply follow this process:

    Step 1:

    Log on to Business Internet Banking, entering your user name and password.

    If you are already a Business Internet Banking user, proceed to Step 2.

    If you are new to Business Internet Banking, go directly to Step 3.

    Step 2:

    If you are already a Business Internet Banking user you’ll be asked to confirm you've received your card reader. Please select the 'I have everything I need' option and click Continue.

    Step 3:

    Check that the last 5 digits of the authentication card you are using match the details shown on the screen. If they don't, they can be overtyped with the last 5 digits from the authentication card you are using.

    Step 4:

    Slide this card into the card reader as shown below. Your reader will switch on automatically when you insert the card.

    card reader demo

    Step 5:

    Press the button on the card reader. The card reader display will show ENTER PIN.

    Step 6:

    Key the PIN for the card you're using into the card reader and press

    enter key

    Step 6

    Step 7:

    Once you’ve entered your PIN correctly, your card reader will show an eight-digit number, this is your passcode.

    Step 7

    Key this passcode into the box shown on the Internet Banking screen and click Continue.

    Your log on is now complete. In future, when logging on Step 2 will not appear.

  • Identify, respond and sign

    We’ll ask you to use your card reader in two different ways when you're online.

    Identify Function

    Identify

    To help confirm your identity, you’ll need to use this function at logon (if you prefer to). This will help us to confirm the requests are really coming from you and not a fraudster who has obtained your details.

    1. Insert the card into the card reader and press IDENTIFY
    2. Enter your PIN number and press ‘ENTER’ on card reader
    3. Card reader will now display 8 digit passcode to be entered in the logon page to access your account

    respond function

    Respond

    This function will be required for setting up new recipients (including setting up standing orders and bulk payments) or to set up your Business Mobile Banking app.

    1. Insert the card into the card reader and press RESPOND
    2. Enter your PIN number and press ‘ENTER’ on card reader
    3. Enter the number displayed on the screen in your card reader and press ‘ENTER’
    4. Card reader will now display 8 digit passcode to be entered in the payment page to complete the transaction

    To set up Mobile Banking app please click Business Mobile Banking guide.

    Card Reader at the respond stage

    Sign Function

    Sign

    At the moment we will not ask you to use the ‘Sign’ function for any transaction.

    Any requests to use ‘Identify, Respond or Sign’ when not carrying out the activities listed in the table below should be treated as a potential fraud attack.

    If in any doubt, terminate your on-line session and call us immediately on 0345 300 2924 (+44 131 339 8620 from overseas). Lines are open from 7am to 10pm Monday to Friday and from 8am to 6pm on Saturdays and Sundays.

    As usual, please make sure nobody is watching you whenever you enter your PIN into the card reader, or when entering passcodes into the Internet Banking screens. We will never call you to ask for any Identify, Respond or Sign codes from your card and reader.

    Activity

    Function required

    Activity

    Log on (using card reader)

    Function required

    Identify

    Activity

    Make a payment

    Function required

    Password only

    Activity

    Amend the date of payment

    Function required

    Password only

    Activity

    Order a copy statement

    Function required

    Password only

    Activity

    Amend the date or frequency of a standing order

    Function required

    Password only

    Activity

    Set up a new Bulk Payment

    Function required

    Respond

    Activity

    Add or amend a Bulk Payment recipient

    Function required

    Respond

    Activity

    Set up a Bill Payment

    Function required

    Respond

    Activity

    Set up a new recipient

    Function required

    Respond

    Activity

    Set up a standing order

    Function required

    Respond

  • About your passcodes

    Passcodes are randomly generated and are unique. Your card reader will produce a new passcode each time you use it, so you won't need to remember them or write any of them down

    About your passcodes

  • Increasing the size of the display

    To increase the size of the card reader display, just press the 0 button button when a passcode appears.

    Card Reader image

  • Changes to how you use your Card Reader

    We’ve made payments in Business Internet Banking easier and quicker.

    Your Card Reader is now needed for fewer online transactions.

    • When making payments to people and companies you’ve paid before you’ll be asked to provide the same password you use to log in.
    • When setting up a new recipient you’ll still use your Card Reader, but you’ll use the ‘Respond’ key, rather than ‘Identify’ to generate a passcode.

    Business Internet Banking will remain secure.

    Paying a person or company you’ve paid before

    Instead of using your Card Reader, you’ll be asked to input your password to confirm the payment. This is the same password you use to login to Business Internet Banking.

    Setting up a new payment recipient or standing order

    You’ll need to use the ‘Respond’ key on your Card Reader, instead of ‘Identify’.

    Card Reader at the respond stage

    This change ensures Business Internet Banking payments remain secure.

    To generate a passcode using ‘Respond’ please follow the on-screen instructions when making a payment or setting up a new standing order.

    1. Insert the card into the Card Reader and press RESPOND.
    2. Enter your PIN number and press ‘ENTER’ on card reader.
    3. Enter the number displayed on the screen in your Card Reader and press ‘ENTER’.
    4. Card Reader will now display an 8 digit passcode to be entered in the payment page to complete the transaction.
  • Audio Card Reader

    If you have a disability that prevents you from using your card reader, we can supply you with an audio card reader – just call us on 0345 300 2924.

    This works in exactly the same way as a standard card reader but has additional audio functionality. It holds no personal information about you and does not need to be connected to your computer at any time.

    To activate the audio function, just turn the dial upwards before inserting your card. Audio instructions will guide you through the steps you need to take. The audio reader has built-in speakers or for added security you can use headphones.

    Your audio card reader will time out and turn off after 90 seconds of inactivity. To reactivate it, simply remove and reinsert your card into the reader.

    When pressing a key on the audio card reader, always ensure that you hear the voice prompt before pressing another key. Keys pressed during the voice prompts are not recognised by the reader.

    To repeat a voice prompt, press the 'clear' button.

    When the audio function is switched off, you can press the '0' key to increase the size of the unique eight-digit code generated by the audio card reader. When the audio function is switched on, press '0' repeatedly to hear the code repeated back to you one number at a time. A single 'beep' will tell you when you reach the end of the code.

  • 1.       Do I need a card reader to make payments?

    To make a payment to a new beneficiary you will be required to use your card reader for verification.

    2.       What is the respond function?

    The Respond key on a card reader is used for setting up or amending a new beneficiary or a standing order.  Please follow the on-screen instructions to generate a passcode.

    3.       What should I do if I need a replacement card reader?

    If your card reader is faulty, damaged or lost you can order a replacement by logging onto Internet Banking using your memorable information and selecting ‘order an additional card reader’ from the right-hand menu. If you haven’t yet set up memorable information click on the ‘unable to log on’ button from the initial Business Internet banking login page. You’ll be asked to fill in some details and then need to choose from four options. If you’re having problems ordering your replacement card reader, call the Internet Banking helpdesk on 0345 300 2924.

    4.       What happens if my card reader is stolen?

    Your card reader holds no personal information about you, so no one will be able to access your accounts online just by having your card reader. If it is stolen, you can order a replacement by clicking on the 'unable to log on' button from the initial Business Internet Banking login page. Alternatively, call the Internet Banking helpdesk on 0345 300 2924.

    5.       What happens if I don’t have my card reader or its not working and I need to access Business Internet Banking

    You can log on using your memorable information to view your accounts. Any other UK bank card reader should work with your card in the same way. The card reader holds no personal information about you. As long as you have your card and your PIN, you should still be able to generate passcodes. Only use a card reader from a trusted UK source. If you don’t have access to a card reader, call the Internet Banking helpdesk on 0345 300 2924.

    6.       Can I have more than one card reader?

    Yes, you can order an additional card reader from Business Internet Banking, by clicking on the 'order card reader' link in the right-hand menu. There may be a charge for additional card readers.

    7.       I have a disability that may prevent me from using my card reader, what can I do?

    An audio card reader, which provides audio instructions, is available on request by calling 0345 300 2924.

    8.       Which cards can I use with my card reader?

    If you have a Business Debit Card you should use this with the card reader. Otherwise we will have provided you with a special authentication card solely for generating passcodes.

    9.       I have several business accounts, all with business debit cards, which of them do I use?

    You can use any card for any of your accounts, however you’ll need to use the same card for the duration of each session.

    10.   What is someone else in the business needs to access the business account online?

    Don’t share your log on details with anyone. All users of Business Internet Banking must have their own log on details, including memorable information. If someone else in the business needs to access the business account online, they’ll need to register.

    11.   The login screen does not show the right card number, what should I do?

    We assume you want to use the same card you used the last time you logged on. If this is not the case, over type the last five digits shown with the numbers of the card you want to use.

    12.   What should I do if I need a replacement authentication card?

    If you need a replacement authentication card, call us on 0345 300 0268.

    13.   What happens if I have forgotten my PIN for my card?

    You’ll need to know the PIN for your card in order to use it with your card reader. If you have forgotten your PIN call us on 0345 300 0268 and we’ll send you a new one.

    14.   If I get my PIN wrong will it block my card?

    Yes, if you get your PIN wrong three times the card reader will show ‘PIN locked’ and you won’t be able to use your card. If you know your PIN you can unlock your card at any Lloyds Bank Cashpoint® machine in the UK, or you’ll need to call us on 0345 300 0268 to order a new PIN.

    15.   I’m overseas and have forgotten/blocked my PIN, how do I unblock it?

    Your PIN cannot be unblocked using an overseas ATM. We’ll need to issue a new card and PIN.

    16.   Do I need to use my card reader for my personal Internet banking as well?

    No. The security provided by your card reader is specially designed for business accounts, which can have high transaction levels, lots of money coming in and out, and multiple users accessing the same account.

    We use different verification procedures, such as enhanced internet authentication (EIA), to protect our personal customers and their information, which we believe better suit their needs.

    17.   How long does the battery last open a card reader?

    The length of battery life will depend on how much the reader is used. The reader takes four LR44 replaceable batteries that can be bought from many retailers. A ‘battery low’ warning message will be displayed on the card reader display when the batteries need replacing.

    18.   What should I do with my old card reader batteries?

    These can be recycled using your local authority’s recycling facilities.

    19.   I’ve had a replacement card reader because my old one was faulty, what should I do with my old card reader?

    Our card reader manufacturer is a Waste Electrical and Electronic Equipment (WEEE) registered supplier. You should be able to recycle your old card reader using the facilities provided by your local authority.