Lloyds Bank Change of Address: How to Update Your Details (2026)

To change your address with Lloyds Bank, open the Lloyds Mobile Banking app, tap the Profile and settings icon in the top right corner, tap the arrow next to your address, enter your new postcode, select Find address, choose your address from the list and confirm. You can also update via online banking, by phone on 0345 300 0000, in branch, or by post to Lloyds Bank, Box 1, BX1 1LT with reference P1COA. A single update covers Halifax, Bank of Scotland, MBNA and Lloyds Bank Private Banking simultaneously.

Why does updating your Lloyds Bank address matter when you move?

Lloyds Bank holds your registered address across every account and product you have with the Lloyds Banking Group. Bank statements, replacement cards, mortgage letters, fraud alerts and account notifications are all sent to that address. If it is out of date after you move, all of that post goes to your old property.

The risks are real. A replacement debit or credit card arriving at a property you no longer occupy is a direct security issue. A fraud alert going to your old address gives any suspicious activity more time to develop undetected. Post containing your name, account number and sort code at a former address is also one of the most common triggers for previous occupier fraud, one of the fastest-growing forms of identity crime in the UK.

Lloyds describes the app as "the simplest way" to change your address, and the process takes around two to three minutes. It is worth doing on moving day.

What does one Lloyds Bank address update cover?

Lloyds Bank confirms directly on their help page that when you change your address with them, they notify the following parts of the Lloyds Banking Group on your behalf:

• Halifax
• Bank of Scotland
• MBNA
• Lloyds Bank Private Banking

You do not need to contact each of these brands separately. The group-wide update happens automatically as part of a single change to your Lloyds records.

How do you change your address via the Lloyds app?

Lloyds Bank describes their Mobile Banking app as "the simplest way" to change your address. It is available on both iOS and Android and the process takes around two to three minutes.

How do you change your address via Lloyds online banking?

If you prefer to use a desktop or laptop, online banking provides the same address change functionality as the app.

How do you change your address by phone?

Lloyds Bank telephone lines are open if you prefer to speak to someone or are not registered for digital banking.

• Call 0345 300 0000
• From outside the UK: +44 1733 347 007
• Textphone (hard of hearing or speech impairment): 0345 300 2281
• Textphone from outside the UK: +44 1733 347 500

You will need to pass security verification before any changes are made. Have your account details and new address ready before you call. Check lloydsbank.com for current telephone banking hours, as these may vary.

How do you change your address at a Lloyds Bank branch?

Visiting a branch is the right option if you prefer face-to-face service, are not registered for online banking, or fall into one of the special circumstances that require a branch visit (see below).

• Use the Lloyds Bank branch finder at lloydsbank.com to find your nearest branch and check opening hours
• Bring valid photo ID
• A member of staff will update your address during your visit

How do you change your address by post?

Write to Lloyds using reference P1COA at the top of your letter so it reaches the right team. Your letter should include:

• Reference: P1COA
• Your full name
• Your old address and new address with postcode
• Your account or insurance number
• Your date of birth
• Your financial mobile number or email address registered with Lloyds
• Your signature

Post to: Lloyds Bank, Box 1, BX1 1LT. Send by recorded delivery and keep proof of postage. Allow sufficient time for postal delivery and processing.

Are there situations where the app or online banking cannot be used?

Yes. Lloyds Bank states on their help page that in three specific situations you must call them or visit a branch rather than using the app or online banking:

• Moving abroad: if you are relocating outside the UK, contact Lloyds by phone or visit a branch to update your address
• A child's account: if the address change is for a child's account, this must be done in branch or by phone
• Multiple addresses: if you need post sent to more than one address, visit a branch or call

For all other standard UK address changes, the app, online banking, phone, or post are all available.

How long does a Lloyds Bank address change take?

Lloyds Bank confirms on their help page that most changes are visible the next time you log in to the app or online banking. Some changes take up to 48 hours.

This is more specific than the vague "a few working days" stated by many guides. For the vast majority of customers updating a standard UK address via the app or online banking, the change is applied the same day and visible on next login.

Phone and branch updates are processed during the call or visit. Postal updates depend on transit time to Lloyds and internal processing.

Notifying Lloyds alongside all your other providers

Updating Lloyds covers the entire Lloyds Banking Group in one step. But moving home means notifying dozens of other organisations too, your council, HMRC, the DVLA, your energy supplier, your GP, your dentist and more. None of them talk to each other, and each has its own process.

Moveinout is a UK change of address notification service covering over 9,000 organisations across 24 provider categories. You enter your details once, select who needs to know, and Moveinout dispatches notifications to each provider on your behalf. A dashboard shows which providers have been notified, helping you track progress and make sure nothing slips through on moving day.

What happens if you do not update your Lloyds Bank address?

• Missed post: Statements, replacement cards, fraud alerts and account notices all go to your old address. Post at a property you no longer occupy creates both a practical problem and a security risk.
• Card delivery failures: When your debit or credit card expires, Lloyds sends the replacement to your registered address. An outdated address means a new card arrives at a property you are no longer at.
• Identity fraud: Bank statements are among the most commonly exploited documents in previous occupier fraud. Your name, sort code, account number and address on post at your old property gives a fraudster material to apply for credit in your name.
• Insurance policy risk: Lloyds explicitly states that failing to update your address with insurance providers could affect your policy. An insurance claim made on a policy with an incorrect address could be refused.
• Credit file discrepancy: Lenders check address consistency during credit applications. A mismatch between your registered Lloyds address and your actual address can complicate future mortgage, loan or credit card applications.