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Licence record

Lloyds Bank: FCA licence 119278

Wikilix check
Confirmed on the register
Issuing authority
Financial Conduct Authority
Jurisdiction
United Kingdom
Last checked
Oct 22, 2026

This is Wikilix's record of a licence issued by Financial Conduct Authority. It sets out what the register says, what we checked, and what the authority's own rules protect.

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Licence intelligence

RecordModified Oct 22, 2026

Licence Verification Record

Financial Conduct Authority 119278

Wikilix read the FCA register on Oct 22, 2026. This is what it said.

Holder
Lloyds Bank plc
Issuing authority
Financial Conduct Authority
Name on the register
Lloyds Bank PLC
Jurisdiction
United Kingdom
Effective
Dec 1, 2001
Register status
active
Permissions
Accepting Deposits · Advising on investments (except on Pension Transfers and Pension Opt Outs) · Arranging (bringing about) deals in investments · Arranging safeguarding and administration of assets · Assisting in the administration and performance of a contract of insurance · Dealing in investments as agent · Dealing in investments as principal · Making arrangements with a view to transactions in investments · Managing investments · Safeguarding and administration of assets (without arranging) · Administering a regulated mortgage contract · Advising on regulated mortgage contracts · Arranging (bringing about) regulated mortgage contracts · Entering into a regulated mortgage contract as lender · Making arrangements with a view to regulated mortgage contracts · Credit Broking · Debt Adjusting · Debt Administration · Debt-collecting · Debt-counselling

Checked Oct 22, 2026

A licence record describes what an authority published. It is not an endorsement, and Wikilix does not issue authorisations.

wikilix.com/brokers/lloyds-bank/licenses/financial-conduct-authority/119278Fields on file 10 / 11

Open Lloyds BankAll Lloyds Bank licencesAbout FCA
Our check
Checked

What we checked

We found this licence on the issuing authority's own register.

Wikilix check
Confirmed on the register
Authority strength
Tier 1
Jurisdiction
United Kingdom
Last checked
Oct 22, 2026
Register says
active

Finding

The UK conduct regulator. Lloyds Bank plc is regulated by the FCA under firm reference number 119278 as a full deposit-taking bank that also provides regulated investment services. This is one of the strongest regulatory standings available. Client protection: Strong. Eligible deposits are protected by the FSCS, standard limit 85,000 pounds per eligible person, and disputes can go to the Financial Ombudsman Service.

Exhibit

Register screenshot, captured Oct 22, 2026

Verification note

Confirmed on the FCA register as Lloyds Bank PLC (Regulated). Licence number: the record's 'Firm reference number' 119278 equals our stored FCA number 119278 (licence #4963). The record's 'Registered company number' 00002065 also equals the registrationNumber of corporates[] entry 'Lloyds Bank plc' (United Kingdom). Supporting evidence: the register lists 'Lloyds Bank' as a current trading name (Trading, effective 31 Jan 2022), identical to the broker's short name. The register records the licence as effective from 1 December 2001.

In detail
Updated

About this FCA licence

What this authorisation is, what it establishes, and what it leaves open.

Shown with the status Authorised since 01/12/2001 at this check on 22 October 2026, Lloyds Bank PLC appears on the Financial Services Register of the Financial Conduct Authority (FCA) under Firm Reference Number 119278. The record gives its type as Regulated and prints Companies House number 00002065 for this United Kingdom company.

The register records the activities the FCA has given a firm permission to carry out. This entry names two current regulators, the FCA and the Prudential Regulation Authority, each from 01 Apr 2013, and before them the Financial Services Authority, from 01 Dec 2001 to 31 Mar 2013. It lists 33 permitted activities in its own wording, among them Accepting Deposits, Entering into a regulated mortgage contract as lender, Issuing Electronic Money and Credit Broking.

An Authorised status records permission; it is not a statement about solvency or conduct. The record flags disciplinary or regulatory action involving the firm and lists requirements on its business, including one titled RFB sub-groups, effective 01 Jan 2024, and consumer redress requirements from 2015 and 2016. The authorisation belongs to Lloyds Bank PLC as a legal entity, not automatically to every site using a Lloyds name: the entry prints www.lloydsbank.com as the website and lists two clone entries that use the firm's details with no association to it.

In this check the record printed a London address at 33 Old Broad Street, EC2N 1HZ, a telephone number, a contact email and 13 current trading names, including Lloyds Bank, MBNA and Scottish Widows Bank. It printed no expiry or end date for the authorisation.

To confirm, search 119278 on register.fca.org.uk, open the Lloyds Bank PLC result and read the Firm status block. A status other than Authorised, a suspension under Restrictions or a change of registered name would change this reading; with no expiry printed, the status line is what to re-check.

Written from what the issuing authority's own register published when we last read it. It describes a record, not the firm's conduct, and it is not advice.
The register

What the authority publishes

Printed as the register prints it. A field that is missing here is one nobody has recorded, not one the register leaves blank.

Licence number
119278
Issued to
Lloyds Bank PLC
Register status
active
Effective from
Expires
No expiry shown
Permissions
Accepting DepositsAdvising on investments (except on Pension Transfers and Pension Opt Outs)Arranging (bringing about) deals in investmentsArranging safeguarding and administration of assetsAssisting in the administration and performance of a contract of insuranceDealing in investments as agentDealing in investments as principalMaking arrangements with a view to transactions in investmentsManaging investmentsSafeguarding and administration of assets (without arranging)Administering a regulated mortgage contractAdvising on regulated mortgage contractsArranging (bringing about) regulated mortgage contractsEntering into a regulated mortgage contract as lenderMaking arrangements with a view to regulated mortgage contractsCredit BrokingDebt AdjustingDebt AdministrationDebt-collectingDebt-counselling
Registered address
Lloyds Banking Group, 33 Old Broad Street, London, City Of London, EC2N 1HZ, UNITED KINGDOM
Telephone
+443453000000
The authority

About FCA

Financial Conduct Authority is the authority that issued this licence, and the jurisdiction it applies in is United Kingdom.

Full name
Financial Conduct Authority
Jurisdiction
United Kingdom
Strength
Tier 1The strictest regimes: high capital requirements, segregated client money and a compensation scheme.
Established
2013
Oversight
A government or statutory body
Firms we track under it
108 firms
Regulates
Forex, Bond, Stocks, Fund, Options, Derivatives, Commodity, Loan, Retail Investment
Licences it issues
MiFID Investment Firm – Dealing on Own Account / Matched Principal (retail & market-making CFDs)
Typical cost of a licence
£100000+ (including compliance setup)
Public register
Searchable by the public
Transparency
High
Protection

What this licence protects

FCA's own rules for the firms it authorises.

  • Compensation schemeUp to £85000 (FSCS)
  • Client money kept separate
  • Negative balance protection
  • Complaints routeFinancial Ombudsman Service
  • Maximum leverage1:30
This describes the authority's regime, not how Lloyds Bank applies it.
The holder

Who holds this licence

The licence above is recorded against Lloyds Bank. A licence is issued to a legal company, so the companies below are what you would search a corporate register for.

Broker
Lloyds Bank plc
Named on the register
Lloyds Bank PLC
Based in
United Kingdom
Operating
Above 20 years
Wikilix score
63.0the firm’s overall score, not a rating of this licence

Wikilix records Lloyds Bank as having no regulation on file. That is a finding about the firm, not about this licence — the register’s own wording above is what states this entry’s standing.

Recorded companies

The name this register printed matches Lloyds Bank plc below.

  • Lloyds Bank plcMatches the registerUnited Kingdom · Public limited Company · Reg. 00002065 · Apr 20, 1865
Provenance

Where this record came from

Every date below has already happened. We do not publish a promised next-update date, because we do not schedule per-licence re-checks.

Official source
The issuing authority’s registerPublished by the authority, not by Wikilix.
Last checked by Wikilix
Record last edited
When this entry was last changed in our database, which may be a correction rather than a change at the register.
Evidence held
A screenshot of the register entry is on file.
Wikilix records what an authority published. It does not issue or endorse authorisations.
Also on record

Other licences Lloyds Bank holds

One other licence is on record for Lloyds Bank.

Frequently Asked Questions

Questions about this licence

Answered from this register entry and the authority’s own record.

Most Popular Questions

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.

Licence 119278 was issued by Financial Conduct Authority (FCA), the financial authority for United Kingdom.
Lloyds Bank holds this FCA licence. A licence on record means the authority published an entry; it is not an endorsement.
We located this entry on the FCA register. Note that confirming a register ENTRY is not the same as confirming a live licence — the register’s own wording on this page is what states its current standing.
The FCA register prints it under Lloyds Bank PLC, not Lloyds Bank. Licences are often held by a subsidiary rather than the trading brand, which is why searching a register for the brand alone can return nothing.
Wikilix rates FCA tier 1 — the strictest band, with high capital requirements, segregated client money and a compensation scheme.
This page links straight to the FCA register. Search it for 119278, and for the name Lloyds Bank PLC rather than the trading brand.
Lloyds Bank has one other licence on record with Wikilix, across 0 jurisdictions. They are listed further down this page.
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