Overview

Cookies

Lloyds TSB 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
The cookies that we use
What if I don't want to accept cookies?

What is a cookie?

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 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. IB.SESSIONID.

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 TSB uses persistent cookies in a few ways, for example, to remember your username for sign in so you don’t have to. 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 Internet 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 you may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wider variety of browsers (Internet Explorer, Google Chrome, Firefox and Safari).

Functionality cookies

These cookies allow the website to remember choices you make (such as your username). 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 you may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wider variety of 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 Your Online Choices where there is more help and guidance. In addition, Lloyds Banking Group (including Lloyds TSB) seek to only use advertising networks which are signed up to 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.uk. 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 you may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wider variety of browsers (Internet Explorer, Google Chrome, Firefox and Safari).

Cookies used by Lloyds TSB

Below is a full list of the cookies used by Lloyds TSB along with a description of what they are used for, and whether they are ‘first’ or ‘third’ party.

Cookie Name	Description
_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.
_wt.control-319459	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.
Acookie	ACOOKIE is a Webtrends optimise first party cookie. Lloyds Banking Group (including Lloyds TSB) 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.
ASP.net_sessionID, IB.SessionId, DefaultTimeoutInterval, ShortTimeoutInterval	These cookies are 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.
IBOcookieID, IB.Username	These cookies store the username of a customer on the sign in page, only work once the customer has requested this via the tick box on screen. These are first party cookies.
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.
IB.CookiesEnabled	This is an essential security cookie for Internet Banking. This is a first 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.
_utmz	The _utmz cookie is part of Google analytics. It keeps track of where the visitor came from, what search engine you used, what link you clicked on, what keyword you used, and where they were in the world when you accessed a website. It expires in in 6 months. This cookie is how Google Analytics knows to whom and to what source / medium / keyword to assign the credit for a Goal Conversion or an Ecommerce Transaction. This is a third party cookie.
_utmx	The _utmx cookie is part of Google analytics. This cookie is set only when you visit a page that is being tested. We do not tell you what pages are being tested (as this can skew the validity of test results). The cookie stores the variation of a page you are exposed to on our website that allows us to track the performance of that variation and to serve a consistent user experience. This is a third party cookie.
_utmxx	The _utmxx cookie is part of Google analytics. This cookie is set only when you visit a page that is being tested. We do not tell you what pages are being tested (as this can skew the validity of test results). The cookie stores the variation of a page you are exposed to on our website that allows us to track the performance of that variation and to serve a consistent user experience. This is a third party cookie.
Uuid	Uuid cookie collect information about how visitors interact with our marketing and website. These cookies don’t collect information that identifies a visitor. All information these cookies collect is anonymous and is only used to improve how a web site works. This is a third party cookie.
mt_mop	Mt_mop cookie collect information about how visitors interact with our marketing and website. These cookies don’t collect information that identifies a visitor. All information these cookies collect is anonymous and is only used to improve how a web site works. This is a third party cookie.
Ts	Ts cookie collect information about how visitors interact with our marketing and website. These cookies don’t collect information that identifies a visitor. All information these cookies collect is anonymous and is only used to improve how a web site works. This is a third party cookie.
I	This is third party cookie set by OpenX.org. More information: http://www.openx.com/about/openx-software-privacy-principles
Uid	Uid cookie is used to track traffic from Yahoo adverts. This is a third party cookie.
bh	bh cookie is used to track traffic from Yahoo adverts. This is a third party cookie.
Sess	Sess cookie is linked to services provided by third parties, such as 'Like' buttons and 'Share' buttons. The third party provides these services in return for recognising that you have visited our website.
uuid2	This cookie contains a unique randomly-generated value that enables the Platform to distinguish browsers and devices. It is matched against information – such as advertising interest segments and histories of ads shown in the browser or device – provided by clients or other third parties and stored on the Platform. This information is used by clients to select advertisements for delivery by the Platform, and to measure the performance of, and attribute payment for, those advertisements.
Anj	The anj cookie contains advertising interest segments provided by clients and other third parties. Clients use those segments to select advertisements for delivery on the Platform.
Mdata	This is a third party tracking cookie by adnxs.com which enables us to learn which advertisements and promotions bring users to our Web site.
OAX	This is a third party tracking cookie used by adnxs.com which enables us to learn which advertisements and promotions bring users to our Web site.
test_cookie	Test_cookie provide advert tracking services by doubleclick.net. This is a third party cookie.
_wt.control-319359-ta_LLoyds_2HomepageOverlayIPTarget	Webtrends Optimize cookie used to display signposting messages for customers living in the Isle of Man and Channel Islands when they visit our homepage. 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.
_wt.overlayDest, _wt.overlaySeen, _wt.conversion-319359-ta_LLoyds_2HomepageOverlayIPTarget	Webtrends Optimize cookies used to track the use of the Isle of Man / Channel Islands signposting so we can improve your online experience.
_wt.mode-319359	Webtrends Optimize cookie used to identify if a tailored message on the website is currently active or inactive. This is a temporary cookie and does not store any personal information.
_wt.activeSplit, _wt.conversion	Webtrends Optimize cookies used to track the use of any tailored message on the website so we can improve your online experience further. These are temporary cookie and do not store any personal information.
TRADEDOUBLER	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 applications. This cookie allows us to remunerate our partners for successful online applications. This cookie does not allow either LBG or TRADEDOUBLER to see any personal data. This is a third party cookie.
ASPSESSIONIDCQTCCRDR	Part of the Online 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 applications. This cookie allows us to remunerate our partners for successful online applications. This cookie does not allow either LBG or OMG to see any personal data. This is a third party cookie.

Additional information

From time to time, we may embed external content from third party websites (e.g. Facebook, YouTube) within our website. Additionally, we partner with third parties who provide services for us which you can navigate to from our website. These third parties may use cookies, you can find out about their approach to cookies on their websites.

If you wish to restrict or block the cookies which are set by any website - including Lloyds TSB websites, you should do this through the web browser settings for each web 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 web browser does not accept cookies. However, you can allow cookies from specific websites by making them "trusted websites" in your web browser. For more information you may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wider variety of browsers (Internet Explorer, Google Chrome, Firefox and Safari).