Lloyds Bank may send a one-time passcode (OTP) to a customer's mobile phone or landline to verify their identity when logging ...

The online help page also states that existing customers can verify their identity using their "existing bank card with Chip ...

The latest figures from Lloyds Bank reveal that ... or stolen photos to create a fake identity. By doing a reverse image search on Google, you can verify if it’s an authentic person or a fake.