Our Retail division is a leading provider of current accounts, savings, credit cards, loans, mortgages, insurance and motor finance.

We have one guiding focus – to be the best bank for customers by improving customer service and earning trust and loyalty from making customers central to everything we do.  With our strong stable of brands like Lloyds Bank, Halifax, and Bank of Scotland our Retail division serves millions of customers.

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Meeting the broad and varied financial needs of customers requires a comprehensive product range. 

For those seeking to borrow, our Retail division is the largest provider of personal loans in the UK.


We support first-time home buyers; lending over £12 billion. Your Mortgage Awards have voted Halifax the best overall lender for 16 years in a row. We also have our mortgage and deposit business in the Netherlands and the consumer credit and deposit business in Germany.

For customers looking to save, we are the largest private sector savings provider in the UK, and offer a range of short, medium and long terms savings and investments products.

We are the leading issuer of new credit cards in the UK and following the acquisition of the MBNA business in 2017 we now meet the needs of 1 in 4 UK consumers taking out a new credit card.With our combined share of the market at 25% we now serve 11 million credit card consumers, supporting them to buy, borrow and budget. We also serve the needs of our Retail Business Banking customers through our Commercial Cards offering.

Cardnet is our merchant acquirer, a joint venture with First Data, which currently supports c.46k merchants, enabling them to accept card payments for their goods and services, whether this is in a face to face, online, or telephony environment . Cardnet offers further value to our merchants through providing management information giving insights in to their business performance, as well as offering thought leadership on key market trends or ways to better protect themselves against cybercrime.

Our Black Horse business is an expert in motor finance loans, helping over 800,000 customers every year to finance new and used cars, caravans, motor homes and motorbikes through over 6,000 dealers. Our Lex Autolease business is the UK’s leading fleet management and leasing specialist, managing more than 388,000 cars and commercial vehicles across the UK.

We continue to invest in our businesses to create the right products, increase digital capability and ensure the best customer experience.