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Lloyds Bank — UK retail bank headquartered in London, regulated by the FCA and PRA, with a flagship branch network and the largest UK retail-banking footprint within Lloyds Banking Group.

HQ
London
Customers
26M+ across Lloyds Banking Group
Connection
Open Banking (read-only)

  • Current accounts and salary inflows

    Your Lloyds Bank current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Lloyds Bank are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Lloyds Bank account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • Tesco
  • Sainsbury's
  • Asda
  • Morrisons
  • M&S Food
  • TfL
  • Amazon UK
  • BP

Detected subscriptions

  • Netflix
  • Spotify
  • Disney+
  • Now TV
  • Sky UK
  • BT

  • How much sits across my Lloyds current account, Cash ISA and Stocks & Shares ISA?
  • Compare my Lloyds card spend at Tesco and Sainsbury's with my other UK bank.
  • List every recurring Sky UK, BT and Netflix payment on my Lloyds account.
  • What's the next Lloyds credit-card minimum payment due?

Does Bank AI move money on my Lloyds Bank account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Lloyds Bank. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Lloyds Bank app.

How does Bank AI connect to Lloyds Bank?

Lloyds Bank exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Is Halifax the same as Lloyds Bank?

Halifax is part of Lloyds Banking Group but operates its own brand and customer base. Bank AI reads each one as its own connection so a Halifax account and a Lloyds Bank account stay distinct.

Does Bank AI surface my Lloyds Cash ISA and Stocks & Shares ISA?

Yes. Cash ISA balances are read as distinct sub-balances under your Lloyds connection, with the annual subscription cap visible. Where Lloyds exposes Stocks & Shares ISA holdings via Open Banking, positions are surfaced alongside the cash leg.

What about my Lloyds credit card?

Lloyds credit cards are read as their own facility under your Lloyds connection, with statement balances, available credit and the next direct-debit settlement date surfaced.

What happens if Lloyds Bank raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Lloyds Bank-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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