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Cookie Policy

Lloyds Bank is committed to protecting you and any data (anonymous or otherwise) that we collect about you online.  This section tells you how we use cookies, why, and how this allows us to improve our service. It also tells you how you can manage what cookies are stored on your device.  We call it our “Cookies Policy”. By using our websites (through any device) you agree that this Cookies Policy applies to that use in addition to any other terms and conditions which may apply. We reserve the right to make changes to our Cookie Policy.  Any such changes shall appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to any such changes.

What are cookies?

Cookies are files containing small amounts of information which are downloaded to the device you use when you visit a website.  Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie.  Cookies do lots of different and useful jobs, such as remembering your preferences, and generally improving your online experience. 

There are different types of cookies.  They all work in the same way, but have minor differences:

Session cookies
Session cookies last only for the duration of your visit and are deleted when you close your browser.  These facilitate various tasks such as allowing a website to identify that a user of a particular device is navigating from page to page, supporting website security or basic functionality.

Many of the cookies we use are session cookies.  For example, they help us to ensure the security of your internet banking session, and can also keep you signed in to internet banking while you move between pages or service your account.

Our session cookies used for security are designed to be very difficult to read, change, access or use except by us when you have an active Internet Banking session.  They contain no personal information that can be used to identify an individual.  Their names typically start with the letters IB e.g.  IBSESSION, IBCOOKIE01, IBCOOKIE02.

Persistent cookies
Persistent cookies last after you have closed your browser, and allow a website to remember your actions and preferences.  Sometimes persistent cookies are used by websites to provide targeted advertising based upon the browsing history of the device.

Lloyds Bank uses persistent cookies in a few ways, for example, to remember your username for log on so you don’t have to (cookie named IBUserID).  We also use persistent cookies to allow us to analyse customer visits to our site, for example our cookie named WT_fpc. These cookies help us to understand how customers arrive at and use our site so we can improve the Internet Banking service. 

For full details about our cookies, we’ve put together a list of the cookies that we use.

First and third party cookies
Whether a cookie is a first or third party cookie depends on which website the cookie comes from.  First party cookies are those set by or on behalf of the website visited.  All other cookies are third party cookies.  We use both first party and third party cookies, which you can read more about in our list of the cookies that we use.

Strictly necessary cookies
These cookies are essential in order to enable you to move around the website and use its features, and ensuring the security of your online banking experience.  Without these cookies services you have asked for, such as applying for products and managing your accounts, cannot be provided. These cookies don’t gather information about you for the purposes of marketing.

Performance cookies
These cookies collect information about how visitors use a web site, for instance which pages visitors go to most often, and if they get error messages from web pages.  These cookies don't collect information that identifies a visitor although they may collect the IP address of the device used to access the site.  All information these cookies collect is anonymous and is only used to improve how a website works, the user experience and to optimise our advertising.  By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings.  For more information on how to do this you may wish to watch one of our short video guides which explain how this is done in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari).

Functionality cookies
These cookies allow the website to remember choices you make (such as your user name).  They may also be used to provide services you have requested such as watching a video. The information these cookies collect is anonymised (i.e. it does not contain your name, address, account details, etc.) and they do not track your browsing activity across other websites.  By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings.  For more information on how to do this you may wish to watch one of our short video guides which explain how this is done in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari).

Targeting cookies
These cookies collect several pieces of information about your browsing habits.  They are usually placed by advertising networks.  They remember that you have visited a website and this information is shared with other organisations such as media publishers.  These organisations do this in order to provide you with targeted adverts more relevant to you and your interests.  This type of advertising is called online behavioural advertising and those companies providing this advertising are working with the UK’s Internet Advertising Bureau to deliver more information to consumers.   To highlight this information, publishers of advertising will, in the future, look to place an icon in the top right hand corner of an advert.  This icon when clicked, will take you through to the website Youronlinechoices where there is more help and guidance. In addition, Lloyds Banking Group seek to only use advertising networks which are signed up to the IASH code of conduct for the placement of adverts. This code requires members to have their processes audited by a third party to ensure compliance.  For more information on IASH please go to go to http://www.iash.org.ukBy using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings.  For more information on how to do this you may wish to watch one of our short video guides which explain how this is done in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari).

Cookies we use

Cookie Name

Description

_olocookie

 

This cookie is used by General Insurance to store session information related to the Home Insurance sales process.  No information is held specific to the customer.  The data relates to how the customer arrived at the site.   The session data is only held for 1 day and is necessary to track the performance of our sales process.  This is a third party cookie.

 

_Utma

 

The _utma cookie is part of Google analytics, and is primarily used to track visits to any site which uses Google analytics.  _utma stores the number of visits made from your device, the time of the first visit, the previous visit, and the current visit.  This cookie does not contain any personal information other than the IP address of your device.  This is a third party cookie.

 

_Utmb

 

The _utmb cookie is part of Google analytics. __utmb and __utmc are used to check approximately how long you stay on any site which uses Google analytics: when a visit starts, and approximately ends.  This cookie does not contain any personal information other than the IP address of your device.  This is a third party cookie.

 

_Utmc

 

The _utmc cookie is part of Google analytics. __utmb and __utmc are used to check approximately how long you stay on any site which uses Google analytics: when a visit starts, and approximately ends.  This cookie does not contain any personal information other than the IP address of your device.  This is a third party cookie.

 

_Utmv

 

The _utmv cookie is part of Google analytics.  It contains no specific customer data other than the IP address of your device, but is used to record Custom variables for segmentation.  This is a third party cookie.

 

_Wt.control-305452-ta loans

 

Webtrends Optimize cookie, used to record how many times your device has been used to view pages on our website, and tailor the website to those items we consider may be of interest based on pages previously visited.  The cookie does not store personal information other than the IP address of your device.  This is a third party persistent cookie which is stored for 90 days from creation / last visit.

 

16183-MID

 

Part of the One Media Group (OMG) suite of cookies.

This cookie records what website the click came from and it’s referring URL.  No personal information other than the user's IP Address is collected. The function of this cookie is to help with campaign optimisation by providing details of which of our partners are driving the largest volume of credit card applications.

This cookie also allows us to remunerate our partners for successful credit card applications generated by referrals.  This cookie does not allow either OMG or LBG to see any personal data of the customer's credit card application form.

This is a third party cookie.

16183-MID.sol

This cookie is used by OMG, a partner of LBG, to derive the same information as the 16183-MID cookie, however this cookie is only read by OMG if the standard cookie (16183-MID) is not present.

Acookie ACOOKIE

is a Webtrends optimise first party cookie.  Lloyds Banking Group have a First party relationship with Webtrends who act on our behalf.  Data contained in cookie includes visitor identifier (not personal details); which of our websites was visited; the time of last visit to one of our websites and the time of this visit.  This allows us to understand how recently your device was used to access our website.

Amnet453131

This cookie is used by an advertising agency, the Mileage Company, a partner of Lloyds Bank. The cookie works in conjunction with a tag placed on the confirmation page of the credit card application form. This serves the purpose of campaign optimisation by tracking which advertising is converting into applications and ensures the Mileage Company are using the most efficient advertising channels and are able to run their campaigns on the Lloyds Bank Avios Duo Card without being reliant on the Lloyds Banking Group sending data to them. No personal data other than an IP Address is stored on this cookie.  This is a third party cookie.

Amnet922660

This cookie is used by an advertising agency, the Mileage Company, a partner of Lloyds Bank. The cookie works in conjunction with a cookie placed on the confirmation page of the credit card application form. This serves the purpose of campaign optimisation, to confirm the effectiveness of our online advertising.  No personal data other than an IP Address is stored on this cookie.  This is a third party cookie.

APSESSION

This cookie is used to keep the connection between your browser and our servers as you move around our website.  It uses a randomly generated identifier and does not contain any personal information other than your IP address.  This is a first party cookie.

ASP.net_sessionID

This cookie is used for storing the customers session ID which is used to identify the customer.  Session ID is then used to store the customers data for 15 minutes so they do not have to rekey information when navigating between pages.

Calling_URL

Recognition of which URL a customer uses to access the secure site, in order to identify the appropriate branding to display.  This is a first party cookie.

dcConnector

The dcConnector cookie is used to manage the connection between DoubleClick and WebTrend analytics.  It enables better evaluation of advertising effectiveness.  This is a third party cookie.

DoubleClickID

This is an anonymous, unique identifier used to track how successful our advertising is.  The cookie allows the devices IP address to be sent to a website, but it doesn’t store the IP address or any other personal data.  This is a third party cookie.

halifaxcouk

This cookie is used to ensure that customers see fresh versions of the homepage each time they visit the page. So that they are not bored with the same message every time they see the page the cookie store which version of the home page they last saw and ensures they see the alternate rotation of the home page.

HBOSVISITOR

Website analytics and mapping customer journey.  Used to track customer journey information i.e. pages customers navigate to and web clicks undertaken within that specific journey. Used to improve site experience and effectiveness.  Contains a unique customer identifier.

Hx

Brand Identifier - ensures the correct branding is shown to customers within the secure site, dependant on which site they sign in through.

Hxsession

Used to maintain the connection between a customer's browser and their session during the sales process.  This is a first party cookie.

HxUse logincookie

This cookie stores the username of a customer on the sign in page, only works once the customer has requested this via the tick box on screen.  This is a first party cookie.

HxUse logincookie

This cookie stores the username of a customer on the log in page, only works once the customer has requested this via the tick box on screen.  This is a first party cookie.

IBUserID

This cookie stores the user ID of a customer on the log on page, only works once the customer has requested this via the tick box on screen.  This is a first party cookie.

Id

The Id cookie collects the following:

  • An anonymous, unique identifier used to track advert delivery and conversion activity, and to build behavioural profiles for use in Google Ad Exchange or Google Content Network
  • Recent click history for your device is also collected in encrypted form, this allows external advertisers to target users of the device with adverts based on perceived interests.

The cookie doesn’t store the IP address, but this is passed through to Google along with cookie by the browser.  Google then renders the IP address unreadable by removing the last 3 characters.

This is a third party cookie.

IDX

This cookie is used as part of the sign in process for Share Dealing.  This is a first party cookie.

JSESSIONID

This is an essential security cookie for Internet Banking. This is a first party cookie.

ONTReqAuthenMethod

This cookie is used to help ensure the security of the connection between your browser and your session during the sales process.  This is a first party cookie.

SDMobilePreference

This cookie records whether the last user to access the Share Dealing site from the device visited the online site or the mobile site, and will instruct the service to open in the appropriate format for this visit. This is a first party cookie.

test/ 77tracking.com

This is an analytics cookie which allows us to understand how our paid advertising from Search is working. It allows us to understand traffic delivered from search advertising. This is a third party cookie.

WT_FPC

The purpose of this cookie is to identify the visitor and the session to allow us to track usage of our websites so we can improve them. Data contained in the cookie includes a visitor ID which is anonymous, the time of start and end of the visit. This is a first party cookie.

What if I don`t want to accept cookies

If you wish to restrict or block the cookies which are set by any website - including Lloyds Bank websites, you should do this through the browser settings for each browser you use, on each device you use to access the internet.
Please be aware that some of our services, for example Internet Banking, will not function if your browser does not accept cookies.  However, you can allow cookies from specific websites by making them "trusted websites" in your internet browser.  For more information on how to do this you may wish to watch one of our short video guides (opens in a new window) which explain how this is done in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari).

Alternatively, you may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wider variety of browsers.