🐎 Lloyds Banking Group Chat

[MarkL]

@Boring

You’ve probably tried it, but have you gone into manage connection and hit reconfirm?

Yep tried that as well as removing and re-adding it altogether. Hitting reconfirm just comes straight up saying it’s reconfirmed but doesn’t appear to do much. Interestingly I struggle to open the open banking connected accounts page altogether. It starts opening and then just gives up, have to do it multiple times before it opens

[cardcollector]

If anyone can share their refer a friend code for lloyds we both get £50, that would be a help.

Im going to switch and try and get the 250 + 50 referral

[nickvid82 (Nick)]

If you have future dated payments setup you can’t then send another payment until that one has been deleted for that payee. Even if it was set for the end of next month as an example it would still be the same message.

[Carlo1460]

You can, however, set up another payee with the same details.

[Carlo1460]

I’ve added Lloyds to the referral wiki:

Referral Wiki: Post/Find Here

If there is already a list of codes for the company you are adding a code for, please add your code to the end of the list rather than at the top or in the middle. Doing this consistently makes it fairer for all. Put a next to a link if you have completed a transaction using it, so people know not to use it if there is another one available, keeps the chain moving. *Please note the little number next to each link, this is how many times the link has been visited. Please try and spread you…

Once all 5 have been claimed I will remove it.

[tired (I am old enough to be 18+)]

@Carlo1460

set up another payee with the same details

What a work around.

[tired (I am old enough to be 18+)]

@cardcollector

share their refer a friend code for lloyds we both get £50

I have one but not sure how it can be shared as we can not DM from here.

[chistery]

Tried to edit the referral post but just get an error “An error occurred: Body is limited to 32000 characters; you entered 32125.“

[Carlo1460]

Some of the referrals there are old and need removing. I don’t particularly have time to go through them all

But I think the ones like Trading212 are outdated now.

If there’s any in the list that are no longer trading you could remove those.

Removed the nutmeg one as that’s no longer valid so you should be able to add now.

[citylights (Chris)]

Is transaction notifications for Credit cards broken? I have them turned on in the app, debit card ones are fine albeit sometimes delayed, but I get nothing for my CC.

wondering if it’s just my app or a wider problem.

[Carlo1460]

Not sure they have ever worked.

[cd]

It took about a week for credit card spend notifications to start working after I opened a new card late last year. So I’d suggest waiting a while if you haven’t already.

[Carlo1460]

I’ve realised having changed offices with work closer to home, I’ll never really get chance to use my Greggs now which was the main perk of the Max plan, making money back on it.

Anyone use Lloyds enough to earn ~£10 a month via everyday extras? Or would it be quite tricky to achieve?

I’d make money back quicker if I utilised the Morrisons online cashback which ranges from 5%\10% regularly. Annual midweek delivery pass is £40 a year too so probably work out cheaper than me driving to go shopping all the time

[hannng]

I’ve been contemplating downgrading from Perks to Extra and then got carried away with the 2026 saving challenge and now cannot be arsed to downgrade cos I’ll need to claim the free Network Railcard soon.

Think I claimed <10 Greggs treats last year and never even been to Vue cinema. I work in a Greggs city with loads of homeless people being around so the free treats might be handy for them one day.

@Carlo1460

Anyone use Lloyds enough to earn ~£10 a month via everyday extras? Or would it be quite tricky to achieve?

The craziest cashback I’ve got from Halifax is £12 (not 12%) for a £16 Riverford delivery. It really depends if the offers matches your spending behaviour. Contemplating opening a NatWest Reward account for joint spending.

I’ve just realised I should have paid for my Loop earplugs with Halifax instead cos there’s a 10% cashback but I can’t be sad any longer about missing out on £3.99.

[Carlo1460]

I just activate all the cash back offers and hope for the best, but shuffling to Morrisons delivery I could easily make a chunk of my £11.50 back each month, if not all of it.

[Chris3]

@tired

@Chris3

Has this happened to anyone else, is this normal procedure from Lloyds these days

They don’t call. A text or they let you look for them.

@Carlo1460

Your cards would stop working if it was Lloyds. Have you tried sending a payment at all recently?

Just to close the loop on this, I visited a branch (there’s one literally a few mins walk away from my office) they looked on the computer and it was indeed genuine. Phoning telephone banking they advised me it was because I’d added the card on Uber and it triggered some sort of fraud block on online usage as I hadn’t responded to the automated calls. We went through the recent transactions and the block was lifted. Interestingly, they seem to have off-shored some of their contact centre staff for the ‘routine’ queries, you seem to get transferred to the UK for fraud etc.

Can’t complain about the cashback though, works really smoothly and paid in on the first day of the calendar month. Also, for anyone that has more than 1 card with Lloyds you can also redistribute the credit limits easily, my oldest and first CC is with Lloyds but I didn’t use it but have kept the card open, so it’s handy to shift it around to one I use, and the Ultra is my primary one now.

[hannng]

I alternate between accounts depends if I can remember there’s cashback for my purchases. I’ve noticed Monzo has many similar offers to LBG, just different in percentage and dates sometimes.

[Carlo1460]

I rarely check the Monzo ones tbh, Lloyds gives far more choice.

[hannng]

True. I like my spare changes ASAP so Monzo is preferred if they have identical deals, cos Monzo pays your cash back immediately when the purchase has been debited from your account, where as LBG pays a lump sum for all cash back at the start of the following month if you used your debit card, or the start of the month following your full credit card repayment, which could take 56 days from the billing date.

[Carlo1460]

Ah does it come early following month with Lloyds? I always thought it was like the end of the following month