← Embedded Finance Index 2026/Vendor

Lloyds

Provider

Embedded-finance supplier tracked in the Embedded Finance Index — no company has publicly disclosed it yet. Filed under Bank / National.

lloyds.com ↗Also analysed as a company — its own stack →
Buyersnone disclosed yet
Headquarters25 Gresham Street, London EC2V 7HN, United Kingdom
Founded1765
Supplier profile · from Lloyds’s own dossier

Lloyds Bank is one of the UK's oldest and largest high-street banks, operating current accounts, mortgages, corporate banking, insurance, and wealth management. Over the past decade it has invested heavily in digital and API infrastructure, publishing Open Banking APIs under PSD2 and building out an Embedded Payments proposition for corporate clients. Its Cardnet acquiring arm has been extended with Liberis-powered Merchant Cash Advance to SME merchants, reflecting a move toward embedded lending at the point of payment. Lloyds is increasingly positioning itself as both a regulated open banking provider (AISP/PISP) and an embedded finance infrastructure partner for businesses alongside its core retail and commercial banking franchise.

Recent developments
  • 2025-07Privacy notice updated July 2025, confirming continued multi-brand operation across Lloyds Bank, Black Horse, Scottish Widows Bank and other subsidiaries. source ↗
  • 2025-02Corporate Cards page updated with Trustpilot score as of 19 February 2026, highlighting corporate payment solutions for T&E and B2B supplier spend. source ↗
  • 2023-01Mastercard and Lloyds Bank team up for open banking checkout solution. source ↗
Full dossier: Lloyds’s own stack, layer by layer →
Who uses Lloyds
No disclosed buyers yet — no dossier in the Index names Lloyds in its stack so far
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Lloyds? This profile opens for claiming as soon as the first company discloses Lloyds in its stack — or send us a public customer page and we will add the disclosure.