Can I Withdraw Money Without My Lloyds Card?

Are you looking for a way to withdraw cash without your Lloyds card? Perhaps you lost your card, forgot it at home, or are waiting for a replacement? While it's not always a smooth process, fortunately, there are still several different ways to withdraw money from Lloyds without a card.

Sadly, however, as of October 2021, it's not yet possible to withdraw from Lloyds cash machines without a card as — unlike other high-street UK banks — Lloyds Bank doesn't support cardless withdrawals. In this guide, we explore some helpful workarounds to withdraw money from a cash machine without your Lloyds card before weighing up practical alternatives to use instead.

Does Lloyds Offer Cardless Withdrawals?

No, Lloyds doesn't offer cardless withdrawals at any of its cash machines, meaning you cannot withdraw money from Lloyds if you don't have your debit or credit card on you.

Unlike other UK banks such as HSBC, RBS, Santander, and Barclays — which allow customers to make cardless withdrawals via their respective mobile banking apps — Lloyds Bank is somewhat behind the curve when it comes to this functionality and does not yet offer it to its clients.

As such, the only way to withdraw cash from Lloyds is using your card at a cash machine (up to £500 per day for Lloyds debit cardholders), over-the-counter at a Lloyds branch, or up to £50 cashback at most supermarkets across the UK¹. For Lloyds credit cardholders, fewer limits apply, but withdrawals ("cash advances") are significantly more expensive due to cash transaction fees and interest².

Option 1 — Get Emergency Cash

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In the event that you lose your card or it gets stolen from you, you can arrange emergency cash from your account by contacting Lloyds Bank. You'll need to have enough balance on your current account in order to use this method, and it's only available to customers who've either lost their card or had it stolen.

If you're in the UK, you can call 0345 300 0000 to contact Lloyds about a lost or stolen card and request emergency cash. If you're abroad, you can call +44 1702 278 270 instead.

What You'll Need

1. A mobile phone or landline;
2. A Lloyds current account with sufficient balance.

Option 2 — Visit a Lloyds Bank Branch

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Another option you have to access cash from your Lloyds current account is to visit your nearest Lloyds Bank branch and request a cash withdrawal over the counter. While this service usually requires you to show your debit card, for larger withdrawal amounts, the bank will only want to see your ID. This means that, in general, your ID should suffice in place of a card for withdrawing cash over-the-counter from Lloyds.

However, because Lloyds Bank isn't explicit about the requirements for cash withdrawals over the counter, we recommend calling your branch in advance to confirm that they can withdraw money on your behalf without your debit card and, if needed, that they have the necessary cash on hand in the branch (if they don't, you may be required to give Lloyds up to two days' notice³).

What You'll Need

1. A valid ID (e.g. driving license, passport, EU ID card, etc.);
2. A bank statement.

Option 3 — Use Another Account or Card

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If you don't have a Lloyds card, you may well have another bank account, debit card, or credit card to use to withdraw money from at a cashpoint instead (British people carry around two debit cards and one credit card on average!)

If you have a debit card linked to another bank account, you can even transfer money from your Lloyds account to the associated bank account. Once the transfer arrives (which is usually on the same day), you'll be able to withdraw money from a cash machine with your debit card using cash that had initially been from your Lloyds account.

However, naturally enough, this method won't work if you've lost or forgotten your entire wallet along with your Lloyds card!

What You'll Need

1. An account and card from another bank or
2. A credit card.

Option 4 — Ask a Friend To Do It for You

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If you have a friend who banks with Lloyds or any other UK bank and is ready and available to help, then asking them to withdraw the money for you is an excellent option if you don't have a Lloyds card yourself.

The good part about this option is that your friend doesn't even need to be a Lloyds Bank customer in order to receive your funds quickly. All major UK banks are united by Faster Payments Service (FPS), a payments service designed to reduce transfer speeds⁴. As a result, if you're sending under FPS limits*, a transfer from your Lloyds online banking account will probably arrive in your friend's account within two hours⁵, and possibly a lot sooner still.

What You'll Need

1. A friend;
2. A Lloyds current account with sufficient balance;
3. A smartphone or other device with an internet connection.

* Online payments limited to £25,000 per day.

Option 5 — Use a Mobile Payment App

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This method is probably the most convenient of all if you don't necessarily need to withdraw physical cash from a cash machine but want to access your Lloyds balance to make small purchases* using other methods (e.g. online shopping or point-of-sale payments).

In this case, it's a good idea to have your Lloyds account linked to a digital wallet or digital payment solution, the most popular of which in the UK include:

• Apple Pay;
• Google Pay;
• Samsung Pay;
• PayPal.

To link your Lloyds account to one of these wallets, you'll need to add your bank card as a payment method via their mobile app. You can then use your smartphone to pay by scanning it at point-of-sale terminals and having the money deducted directly from your Lloyds bank balance, or selecting the mobile wallet where it shows up in online checkouts.

What You'll Need

1. A smartphone;
2. A Lloyds current account with sufficient balance;
3. A P2P mobile payments app.

* Up to £250 and £100 per transaction for Google and Apple Pay respectively.

Option 6 — Use a Global Debit Card

Whether you don't own a Lloyds card, lost it, or forgot it at home, the most effective way to withdraw cash is to use a prepaid debit card specially designed for low-fee transactions — including cashpoint withdrawals.

Using a competitive travel card product, you can dodge cash withdrawal fees altogether, even when travelling overseas and spending in a foreign currency. (The only costs you might incur in these instances could be network fees from the cash machine itself or a small Visa or Mastercard exchange rate markup, although it depends on the card.) If you travel abroad from the UK often, one of the best options available is the Wise Account, which gives you access to a current online account, multi-currency balances, and a debit card.

Once you're signed up with Wise and your card has arrived (which takes between two and six days), you'll be able to take advantage of the following unique features:

• Local bank details in the US, Eurozone, UK, Australia, New Zealand, Singapore, Romania, Canada, Hungary, and Turkey;
• Hold, exchange, and top-up up to 56 currencies;
• A multi-currency Visa debit card that's handy for paying in foreign currencies without the hidden fees;
• Access to Wise's powerful international money transfer service right from your account balance.

Alternatively, we also recommend Starling Bank, particularly if you're looking for a fully-fledged current account with outstanding fees and exchange rates for domestic and foreign spending. One of the best-priced UK banks, Starling Bank is the ideal option if you're looking for an (almost) fee-free alternative to high-street banks and don't mind a more limited range of services, e.g. a prepaid debit card and current account, in exchange.

Starling's no-fee current account is Britain's leader in the industry, giving you excellent benefits and charging practically no fees on a monthly basis or while travelling abroad.

We also recommend looking at our pick of the three best challenger banks in the UK to get a fuller picture of these product offerings and what they could do for you.

What You'll Need

1. Proof of residence;
2. A valid ID (e.g. driving license, passport, EU ID card, etc.);

References Used in This Guide

1. Lloyds Bank: Debit cards (Accessed 11.10.21)

2. Lloyds Bank: Withdrawing cash and cash advances (Accessed 11.10.21)

3. The Guardian: Want to make a big cash withdrawal? Don’t bank on being allowed (12.9.21)

4. Faster Payments Service (FPS): How Faster Payments Works (Accessed 11.10.21)

5. Lloyds Bank: Frequently asked questions (Accessed 11.10.21)