Overall Score73 / 100The Wikilix trust rating of Lloyds Bank, out of 100, built from the five factors below.It holds a valid FCA 119278 licence and 1 more, and our investigation found it appears legitimate.Regulation91%Identity98%Client terms50%Trading offer50%Service59%Score last calculated 2026/10/29
Good65 to 79. A solid record with minor gaps and no stop sign.Why: It holds a valid FCA 119278 licence and 1 more, and our investigation found it appears legitimate.
73 out of 100 · 64% checkedThe share of the record we could verify. What we could not check counts as unknown and pulls the score toward the middle, never down.
Do not trust
High risk
Fair
Good
Excellent
It holds a valid FCA 119278 licence and 1 more, and our investigation found it appears legitimate.
We checked Lloyds Bank on 2026-10-29 across its regulation, company record, client terms, trading offer and service, and could verify 64% of its record. Its strongest valid licence is FCA 119278, with 1 more valid. The score of 73 is what the checked record adds up to; nothing held it down. What would move the score: policy risk, critical clauses, withdrawal rails. Our published investigation found it appears legitimate, with 32.2 years of track record. Its client terms have not been reviewed yet.
Whether a financial authority supervises this broker: the licences it holds, whether we verified them on the official register, how strong that regulator is and what protection it gives clients. Worth 35 points of 100.
Identity
Who is behind it, and for how long?
98out of 100
Excellent
Counts for 15% of the score100% checked
What we checked
Registry-verified entity100
Company registration verified on the registry · Sep 10, 2026Source
Website reachable and not redirecting · Sep 10, 2026Source
What this measures
Who is behind it and for how long: a company registration we verified, years of verified history, how openly it names its entity, address and owners, and whether its website is intact. Worth 15 points.
Client terms
Are the client terms fair?
50out of 100
Fair
Counts for 15% of the score0% checked
What we checked
Policy riskNot checked yet
No published policy review
Critical clausesNot checked yet
No published policy review
Withdrawal railsNot checked yet
No withdrawal rails recorded
Language parityNot checked yet
No published policy review
What this measures
How fair the client agreement is: the risk found in our policy review, the number of critical clauses, withdrawal rules, and whether the terms say the same in every language. Worth 15 points.
Trading offer
What does trading cost, and is it disclosed?
50out of 100
Fair
Counts for 20% of the score0% checked
What we checked
All-in EURUSD costNot checked yet
No EURUSD spread known
Pricing disclosed per account typeNot checked yet
No account types recorded
Instrument breadthNot checked yet
No instrument counts known
PlatformsNot checked yet
No trading platform recorded
Leverage vs regulated capNot checked yet
Maximum leverage unknown
Minimum depositNot checked yet
Minimum deposit unknown
What this measures
What trading costs and how clearly it is disclosed: pricing per account type, the all-in cost of EURUSD, instruments, platforms, leverage against regulated limits and the minimum deposit. Worth 20 points.
1 of 6 support checks (phone, email, 24/7 chat, 2+ languages, messenger, complaints email) · Sep 10, 2026
Reputation footprint80
Scam check reputation 2/10 · Sep 10, 2026
WIKILIX communityNot checked yet
0 approved review(s), fewer than 10
What this measures
How clients are treated: support channels, complaints about withdrawals and reputation from our investigation, and reviews by WIKILIX members. Worth 15 points.
What Wikilix has recorded about Lloyds Bank: its history, the licences it holds, its trading conditions and its fees.
Lloyds Bank Broker Overview
Lloyds Bank is the brand of Lloyds Bank plc, a United Kingdom public limited company registered at Companies House under number 00002065 and incorporated on 20 April 1865. Its registered office is 25 Gresham Street, London, EC2V 7HN, and its registered nature of business is banking. The company status on the register is active, with accounts filed to 31 December 2025.
The web address carried on this profile, , behaves as a commercial banking service gateway. It resolves and responds, but it publishes no retail trading offering: there is no account comparison, no platform download, no spread or commission schedule and no deposit or withdrawal page. This profile therefore records no trading conditions, no account types, no trading platforms and no funding methods, because none are published at that address.
Is Lloyds Bank Regulated?
No financial services licence was confirmed for Lloyds Bank in this review. No authority, licence number or permission scope is published at the address reviewed, and the position was not verified against a financial authority's own register, so the regulatory standing is recorded here as unconfirmed rather than established.
Read that as an absence of confirmation, not as a finding that the company holds no authorisation. Lloyds Bank plc is a registered company, and company registration is not financial regulation: the Companies House entry proves the legal entity exists and is active, and says nothing about permission to hold client money or to deal in investments. Anyone who needs the regulatory standing of Lloyds Bank plc should check it directly on the relevant financial authority's public register, matching the entity by company number 00002065.
Is Lloyds Bank Safe?
Nothing in this review indicates misconduct, and nothing in it establishes the protections a trading client would look for either. The identity checks are clean: the operating company is named, it is a real and long established British public limited company, its registered office is a genuine City of London address, and its filing record on the public register is current.
What is missing is the trading side. Without a confirmed licence, a published client agreement, or any statement of how client money would be held, this review gives no basis for judging what would happen to a deposit. Treat the profile as an identity record rather than as a completed check on a trading service.
Lloyds Bank Support
The address reviewed publishes telephone routes rather than a help centre. The numbers shown are 0345 300 6444 for Corporate Online, 0345 900 2070 for LloydsLink online, 0808 202 1390 for Commercial Banking Online, 01539 741 478 for international customers, and 0345 300 0116 for all other applications. No support email, live chat or published service hours were found there.
Lloyds Bank Pros and Cons
Strengths
The operating company is named and confirmed on the United Kingdom register as active, incorporated in 1865, and filing current accounts.
The registered office is a real, verifiable London address rather than a forwarding service.
Direct telephone routes are published, including a line for international customers.
Limitations
No financial services licence was confirmed in this review, so the regulatory standing is unconfirmed.
The address on this profile publishes no trading offering, so account terms, costs, leverage, platforms and withdrawal conditions cannot be assessed.
No client agreement or country eligibility policy is published there, so who may open an account, and on what terms, is unknown.
Lloyds Bank Review and Assessment
Lloyds Bank plc is a real and verifiable British company, and the identity side of this profile is as clean as an identity check gets. The trading side is simply absent: the address on file behaves as a commercial banking gateway rather than a brokerage, and it publishes none of the terms a trading client would need. The most important step before treating this entry as a trading service is to confirm, on the relevant financial authority's own register, what Lloyds Bank plc is permitted to do and which entity a trading relationship would actually sit under.
Website archive
Captured
Website snapshots
12 full-page captures of Lloyds Bank's own site, archived so what they said can still be read after the pages change.
Lloyds Bank holds a tier-1 or tier-2 licence that we confirmed on the regulator's own register. Each licence below opens its record of what that register says.
2 of 2 checked
Licences on recordEvery licence or registration recorded for this broker, whether the broker claims it or our check found it.
2
Confirmed on registerLicences we located on the issuing regulator's own public register, with a screenshot taken at the time.
2
Tier 1 or 2Licences from tier-1 or tier-2 authorities (FCA, ASIC, CySEC and peers), the strongest client protection. A registration we could not confirm as a licence is not counted.
2
OffshoreLicences from offshore registers, which typically carry no compensation scheme and lighter oversight.
0
WIKILIX
Licence intelligence
The strongest of 2 licences on file
Licence Verification Record
Prudential Regulation Authority119278
Wikilix read the PRA register on Sep 10, 2026. This is what it said.
Authority strength
Tier 1
Register status
Authorised
Shown on the Lloyds Bank website
Shown
Checked Sep 10, 2026
What our check found
The UK prudential regulator, part of the Bank of England. Lloyds Bank plc is authorised by the PRA. Banks are dual regulated: the PRA authorises them and both the PRA and FCA regulate them, under the same firm reference number 119278. Client protection: Strong. Prudential supervision of a systemically important UK bank, backed by the FSCS deposit guarantee.
A licence record describes what an authority published. It is not an endorsement, and Wikilix does not issue authorisations.
Lloyds Bank plcActiveLicence holderUnited Kingdom·Registration 00002065·Established Apr 20, 1865Holds FCARegistered at UK Companies House under number 00002065, incorporated 20 April 1865, status Active, nature of business 64191 Banks.
Company registry check
Checked
Company Registration
The operating company is Lloyds Bank plc. Registered in United Kingdom. Registration number 00002065.
This recordUnited Kingdom · since 1865· Lloyds Bank plcWikilix score 73.0RegulationNo RegulationPRAMax leverage—Not recordedPlatforms—Not recordedLicences2
Treat it with caution and verify it independently before sending any money. This review found no trading account, platform or funding route offered at the address on this profile.
An offer of a trading account under this name should be checked directly with the company through a contact route you found yourself, not through a link, phone number or account manager supplied with the offer.
The operating company was incorporated on 20 April 1865, which makes it more than 160 years old.
The United Kingdom register also records its earlier names, running back through Lloyds Bank Limited and Lloyds Banking Company Limited, and shows the company as active with accounts filed to 31 December 2025.
By telephone. The address reviewed publishes 0345 300 6444 for Corporate Online, 0345 900 2070 for LloydsLink online, 0808 202 1390 for Commercial Banking Online, 01539 741 478 for international customers, and 0345 300 0116 for all other applications.
No support email address, live chat or published service hours were found there.
Unknown. No client agreement, restricted countries page or onboarding form is published at the address reviewed, so no accepted or refused jurisdiction could be established.
No country restriction is claimed on this profile, and the absence of a published list is not the same as acceptance.
No deposit or withdrawal route for a trading account is published at the address reviewed. There is no funding page, no payment method list and no fee or processing time schedule.
Because of that, withdrawal speed and withdrawal conditions cannot be assessed here either.
Not published. No spread table, commission schedule, swap rate or account fee for a trading product appears at the address reviewed, so trading costs cannot be stated.
None were found. No platform is named and no download is offered at the address reviewed, and no MetaTrader, cTrader or proprietary terminal is published anywhere in the material this review covered.
No leverage is published, because no leveraged trading product is offered at the address on this profile.
There is no account tier, margin schedule or maximum leverage figure to report.
Not published. The address reviewed carries no trading account terms, so no minimum deposit figure could be established.
Any figure quoted elsewhere for a Lloyds Bank trading account did not come from this company's own published material.
No. This entry resolves to a bank rather than to a retail forex or CFD provider, and its registered nature of business on the United Kingdom company register is banking rather than investment dealing.
No trading accounts, platforms, spreads or leverage terms are published at the address on this profile.
Lloyds Bank plc, a United Kingdom public limited company registered at Companies House under number 00002065.
Its registered office is 25 Gresham Street, London, EC2V 7HN, its status on the register is active, and its registered nature of business is banking.
Nothing found in this review points to a scam. The operating company is named, and it is confirmed on the United Kingdom register as active, incorporated on 20 April 1865, and filing current accounts at a real City of London address.
The caution is different in kind: this entry is not a trading brokerage, so anyone treating it as one is working from the wrong premise rather than from evidence of fraud.
No financial services licence was confirmed for Lloyds Bank in this review. The address carried on this profile publishes no authority name, no licence number and no permission scope, and the position was not verified against a financial authority's own register.
That is an absence of confirmation rather than a finding that the company is unlicensed. Lloyds Bank plc is a registered United Kingdom company, and company registration is not financial regulation.
Still Need Help?
Can't find what you're looking for?
Our support team is here to help you get the answers you need.
Comments
Share your thoughts and experiences with Lloyds Bank
Comments
Share your thoughts and experiences with Lloyds Bank