As a signatory to the Prompt Payment Code, we want to comply with its principles by paying suppliers within agreed terms and ensuring we provide guidance on our payment procedures.

The Small Business Enterprise and Employment Act 2015 means Lloyds Banking Group reports publicly its supplier invoice payment practices and performance.

There are specific invoicing requirements that suppliers need to follow to avoid payment delays. In particular, suppliers must send invoices directly to accounts payable and not to individuals in the business.

Receiving orders

As a supplier, you should ensure you have authorisation from us before supplying any goods or services.

Purchase Orders are our preferred method and should be used unless we have agreed an alternative approach with you.

Your Purchase Order (PO) will be sent via the Ariba Network. You will receive an email notification indicating that you have been issued a PO. To view the PO, you will be required to follow a link in the PO notification email and either create a free Ariba Network account or sign into an existing account.

Support with setting up a free Ariba Account

In exceptional circumstances, where a PO has not been issued, please ensure you reference the email address of your Lloyds Banking Group business contact within the invoice.

Please be vigilant and check the authenticity of Purchase Orders before providing goods or services. If you have any concerns, please email our Accounts Payable team at:


All invoices must quote a Purchase Order number or the email address of your Lloyds Banking Group business contact. This is essential payment information, so if you haven’t been provided with either you will need to refer to the person who placed the order with you before submitting your invoice.  Failure to include this information will mean your invoice is automatically rejected by our invoicing system.

Invoices must not be:

  • future-dated, or
  • back-dated more than five days.

Invoices may be sent via the Ariba Network, which is our preferred method for receiving invoices, or as PDF by email.  The benefits of using the Ariba Network to our suppliers are better tracking of invoices, greater visibility and quicker processing times.  Please talk to your Sourcing / Supplier Manager for more information.

Submitting invoices via the Ariba Network

  • Suppliers may only submit invoices via one channel.  If you submit invoices via the Ariba Network, please do not send the same or additional invoices via email.
  • Suppliers must maintain their Remittance IDs on their Ariba Network account for invoices to be processed correctly.

More information about the Ariba Network and submitting invoices

Submitting invoices via email

If sending an invoice or credit note by email, they should be sent directly to our accounts payable department (preferably as a PDF):

These documents are scanned and content is automatically transferred to our payments systems. To avoid delay, all invoices need to meet set criteria including a specific layout and providing key information.

More information about the invoice criteria

We are currently unable to accept invoices via post due to operational impacts from COVID-19.

Important: Sending invoices to individuals in the business, instead of directly to accounts payable, prevents us from being able to pay the invoices on time.

Trading via the Ariba Network: benefits and signing up

We use the Ariba Network to enable suppliers to receive POs and submit invoices electronically. The benefits to our suppliers are better tracking of invoices, greater visibility and quicker processing times, as well as the environmental benefits from a reduction in paper usage.

More information about the Ariba Network and submitting invoices

If you are an existing supplier and would like to express your interest in signing up to the Ariba Network, please contact your Sourcing/Supplier Manager.

If you need support with your Ariba Network account, please visit the SAP Ariba Help Centre where you can find articles and video tutorials, or request a call back for further help.

If you have further questions about how to work with Lloyds Banking Group via the Ariba Network please view this FAQ guide and speak to your Sourcing/Supplier Manager.


Lloyds Banking Group’s standard payment method is direct payment to your bank account via the BACS system.

If you have a query regarding an outstanding payment please email our Invoicing team at:


Terms and conditions

Please ensure you download and read our standard terms and conditions.

Download T&Cs