Lloyds Bank Credit Card: How to Apply Using the App

ADVERTISEMENT
ADVERTISEMENT

Lloyds Bank is one of the most well-known financial institutions in the United Kingdom and it provides a wide range of financial products and services to its clients. I have been a loyal customer of Lloyds Bank for years and find their products valuable and their customer service superb.

ADVERTISEMENT

To keep up with the demands of the digital era, Lloyds Bank has taken its banking services digital, with the Lloyds Bank mobile application, available on top app stores. 

For those who are already banking with the financial leader, let me tell you more about the Lloyds Bank mobile app today and what it has to offer. I will even touch on how the app can be used to apply for a credit card and other key features in this guide.

  • Learn More About the Lloyds Bank App
  • Helpful Features the Lloyds Bank App Has to Offer
  • A Guide on Using the Banking App
  • Downloading the Lloyds Bank Mobile App
  • Tips for Using the Lloyds Bank Mobile App
Lloyds Bank Credit Card: How to Apply Using the App
Image Source: Financial Times

Learn More About the Lloyds Bank App

I have been using the Lloyds Bank mobile app since its launch back in 2011. Newer and fresher versions of the app were launched in 2014, with the most recent launch and update in 2019. The 2019 version was made available through the help of Open Banking technology. 

ADVERTISEMENT
Lloyds Bank Credit Card: How to Apply Using the App
Image Source: Tech Crunch

The Lloyds Banking Group released the app in conjunction with two other banks, Halifax and the Bank of Scotland, both of which at part of the Lloyds Banking Group. This means that users like me with bank accounts from these banks can access these accounts all in one place. 

The mobile app is made available only for Android and iOS users, meaning I can only download and install this on my device using either the Google Play Store or the App Store. This is free to use and download. 

How the App Works

The main goal behind the Lloyds Bank mobile app is to help me and millions of customers to gain fast, convenient, and secure access to bank details at all times. This mobile app makes it possible to do just that and more. 

ADVERTISEMENT

The app works by allowing me to access my accounts, whether it be savings or credit card accounts, and make the necessary transactions in them, all while being protected and secured by the Lloyds Bank systems in place. I can manage my account in just a few clicks. 

Helpful Features the Lloyds Bank App Has to Offer

One of the most important features of the Lloyds Banking app I want to highlight is having to opportunity to bank and manage my account securely. Lloyds Bank ensures that my money and my privacy are protected using only the latest security measures.

Lloyds Bank Credit Card: How to Apply Using the App
Image Source: News Leader

Some of these security measures include being able to receive alerts and notifications about payments and transactions I have made on my account, giving me more insight into what I spend my money on and if all charges that show up are accurate. 

ADVERTISEMENT

I can log in easily in the Lloyds Bank app a number of ways, the easiest of which would be using the Touch or Face ID, or by using my biometric fingerprints. These are safe and secure methods that use my biological features unique to me. 

Apart from these, I can manage my account and make a wide range of necessary transactions. I can see my balances, due dates, and any pending payments that I may have. I can even set up direct debit facilities and make money transfers with ease and convenience. 

Other Features of the Mobile App

There are tons of other things that I can do on the app. These include being able to pay in cheques and make money transfers and payments not just in the United Kingdom, but also in other parts of the globe.

On the app, I can block or cancel subscriptions that are linked to my account, as well as update my credentials and contact details when needed. 

Even getting a new card or reporting stolen or lost cards is a breeze and I can do it all right from the Lloyds Bank mobile app. 

A Guide on Using the Banking App

Using the Lloyds Bank mobile app is simple. As a matter of fact, apart from downloading and installing the app on my device, I just need a few things to get started. These include my registered phone or contact number with the financial institution and my Lloyds Bank personal or Islands personal account, or a Sterling international account. 

Lloyds Bank Credit Card: How to Apply Using the App
Image Source: Bkkent Week

Once I have registered my account with my credentials in the app, I can just log in and see the accounts under my name. 

Browsing the app is smooth with the user-friendly interface, something which I am thankful for. I can see the home page, the Apply button, the payment and transfer option, and the support option for other needs. I can even search the app using the search function on it. 

Using the App to Apply for a Lloyds Bank Credit Card

The Apply button I mentioned above lets me apply for a credit card at Lloyds Bank. With the variety of credit cards available, I still need to answer the eligibility checker called OneCheck to see what cards I qualify for and how much credit I can get. 

To apply, I need to provide some details, including my address from the past three years, my income information, and employment details, to proceed with the application. 

After submitting my application, Lloyds Bank will let me know if I have been approved for my target credit card and what my credit limit will be. 

Downloading the Lloyds Bank Mobile App

The Lloyds Bank mobile app is available for download to both Android and iOS users, from the Google Play Store and App Store respectively. The app is free to use and download and it does not have any in-app purchases. 

Lloyds Bank Credit Card: How to Apply Using the App
Image Source: Asia Assistance

To download the app for Android, I just visit the Google Play Store and search “Lloyds Bank Mobile Banking”. From there, I click “Install” to begin downloading and installing the app to my device. 

Apple users must open the App Store and search “Lloyds Bank Mobile Banking” and click the “Get” button to download to their device.

After downloading, installing, and opening the app, you can then register your credentials, log in, and proceed to use the account. 

Other Specifications You Need to Know

I discovered that apart from iPhone, this particular app is also made available for iPad users. In order for the Lloyds Bank app to run as smoothly as possible, Apple users need to have their devices running on iOS 12.0 or above. On the other hand, Android users should at least have their devices run on Android 7.0 and up. 

I advise users to have ample space on their devices to ensure that the Lloyds Bank mobile app does not lag. For Apple users, the size of the app comes up to 213.9 megabytes, while this only comes up to 72 megabytes for Android users. 

Tips for Using the Lloyds Bank Mobile App

One of the things I found so helpful while using the Lloyds Bank mobile app was setting up the Touch ID, Face ID, or fingerprint scan technology. 

Lloyds Bank Credit Card: How to Apply Using the App
Image Source: CNBC

By taking advantage of these, I know that my account is not only more secure as it only makes use of my unique features, but it makes it easier for me to access my accounts just by looking at my device or touching the screen. 

Another helpful tip that I found while using the app is to constantly review the statements and transactions being sent to me. This greatly helps in identifying any possible transactions that may be fraudulent. At the same time, this also works to inform me when I am nearing my credit limit.  

Other Aspects Worth Noting

I have mentioned that the Lloyds Bank app does not charge any fees to use its services and offerings. It can be accessed free of charge. 

I believe there are cases, however, when mobile operators can or may charge me a fee when I use data or other services, such as downloading or using the app. To clarify this, I would check with the mobile provider to determine if there are any restrictions on their end. 

In addition, the signal and functionality of my device may come into play when it comes to using the app services of Lloyds Bank. To avoid lags and disconnections, I must have stable Internet or WiFi connections in place. 

The Bottom Line

Banking with Lloyds Bank has never felt more secure than with the addition of the Lloyds Bank mobile app. With this, I can easily complete banking transactions, oversee my account status, and even apply for a credit card with just a few clicks of a button. 

References

Google Play Store

Lloyds Bank mobile appLloyds Bank – Internet Banking – Error

App Store
‎Lloyds Bank Mobile Banking on the App Store