Tone of voice

Creating memorable experiences

As an experience-led brand, every touchpoint is an opportunity to shape how our customers feel about us. The language we use defines who we are to people.

Our tone of voice impacts how our customers and clients feel about us. Positive emotions build trust and influence behaviours. People will act on how we make them feel.

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What is tone of voice?

Tone of voice is how we speak or write in a distinctly Lloyds way to convey our personality and who we are, as a brand.


Our tone of voice should always be consistent but will flex to be appropriate to our audience and their mindset. Sometimes we 
can be more playful, but other times we need to be more sensitive or serious.     


This section is full of tips to help you write brilliantly in our tone of voice.

How everything works together

What it is, and why it matters

Our positioning

The ‘why’ we exist to help our customers and clients – so everything we say, write or do should aim to do this. 


Our tone of voice
How we speak in a uniquely Lloyds way, conveying our  personality driven by our Cancara Design Philosophy.


Flexing our voice based on audience
Our comms need to be in tune with our audience and their mindset. We flex our voice tonally, dialling the ingredients of Pragmatism, Optimism and Charm up or down, depending on who we are speaking to and how they may be feeling. 


Our Customer Communications Handbook

The fundamentals that ensure all our written, visual and verbal communications are well written and support good outcomes.

 

Lloyds Bank gives everyone the confidence to move forwards.

We use simple, human language and ensure our comms are clear and easily understood to help customers make effective, informed, and timely decisions.

Note (not part of alt text): we don't need the middle part as it's already explained in the body copy.
 
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Pragmatic

We’re down-to-earth, practical and action-oriented.

 
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Optimistic

We’re a glass-half-full brand. We see a nation brimming with potential. We're always spotting the possibilities to help move people forward. 

 
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Charming

We celebrate our Britishness – always looking to raise a smile and add a touch of tongue-in-cheek or intelligent wit, when the time is right.

Pragmatic

What we mean

Pragmatism is all about getting practical. It’s leaving lofty promises at the door, rolling up our sleeves and giving action-oriented steps.

We use everyday language to keep things clear and simple.

Pragmatism and finding a way forward is a very British trait – we keep calm and carry on in the face of any adversity or towards any goal.

Tips for writing with pragmatism

  • Be practical. Use everyday language and avoid jargon.
  • Be action-orientated. Provide clear next steps for customers.
  • Keep it real. Be realistic and genuine. Break big leaps down into smaller steps.
  • Don’t waffle. Get to the point fast. Keep sentences short and to the point.

Ask yourself: What does the reader need to know? And then just say that.

In action

Our Alnwick branch is closing. Here’s everything you need to know.

Before we start, take a look at the fraud page for more about the support you can get.

You recently signed up for a free trial with Netflix. You might be able to cancel it before it ends. Select for more details.

Whatever your business sector, our dedicated Sustainability & ESG finance team can help your business grow.

Market Insights.
Economic and market insights that keep you informed. Subscribe today.

Optimistic

What we mean

Optimism is all about creating a sense of positive momentum.

We know the nation is brimming with potential, and so we celebrate the customers and businesses we work with. We tell stories of the future and get excited about what it holds, but we’re never delusional about hard times.

We empower and support our customers.

Tips for writing with optimism

  • Be the brighter alternative. Our writing feels light, bright and present.
  • Create momentum. Get everyone excited about what the future holds, backed up with clear, actionable steps.
  • Have a ‘can-do’ attitude. It’s not about what we can’t do, but about what we can.
  • Don’t overdo it. Steer clear of too many superlatives or over the top language, for example ‘awesome!’.

Ask yourself: Is it appropriate to be optimistic? For sensitive or negative communications write with reassurance and give clear options or next steps to a positive outcome. 

In action

Do pass go. Do collect £200.

For all life’s lemons. Because things don’t always go according to plan, our home, motor, critical illness and life insurance plans ensure you’re covered.

Heroes of Net Zero. Learn how other businesses have transitioned to net zero, and how we can get you started. 

Your new app has arrived. You can still do everything you normally do, and more. We're excited to share this update with you and hope you feel at home.

Lighting the way forward. Waxman Energy is building a brighter, more sustainable future, with the support of Lloyds Bank, helping the UK harness the power of solar.

On your marks, get set, go global with business guidance from Lloyds Bank.

Charming

What we mean

Charm is all about raising a smile. We embody the best of modern Britishness, with a 
touch of tongue-in-cheek or intelligent wit that brightens someone’s day.

We know what it’s like to live in a modern, multicultural society.

Tips for writing with optimism

  • Raise a smile. Whether it’s a witty line or an observation that helps someone feel seen.
  • Be confident. We’re quietly confident. Have conviction in what you’re saying. 
  • Be personal. Be as relevant as possible to the target – use their name, the make of their car – be insightful.
  • Stay professional. Don’t push it so far that we sound overly friendly or unprofessional.
  • Don’t mask the message. Don’t let charm obscure what we are trying to say.

Ask yourself: Should we be serious or playful? What kind of charm is appropriate for this audience? Adapt accordingly.

In action

Remortgaging. Easier done than said.

Don’t look back in anger. If you’re buying concert tickets this weekend, buy from a trusted company and always pay by card.

Make yourself at home with your new mortgage offer.

Travel money that travels. Get any currency straight to your front door.

Recharging this weekend? Us too. We’re giving our services a little TLC to improve our online offering. 

We can't guarantee sunshine.

But we can offer scale, expertise, and innovation to deliver solutions... whatever the forecast.

With all our writing, but especially when we use an idiom or British turn of phrase, it’s important that it can still be understood if English isn’t someone’s first language. Use this type of language sparingly.

 
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Flexing our tone and hitting the
right notes

Flexing our voice to the audience

There will be times when we need to be more sensitive to certain audiences, and when we can be more playful to others. Always think about our audience’s mindset.

Remember to ask yourself:

  • Who are we speaking to?
    A customer in debt who is worried and anxious? A young adult scrolling on social media who has a short attention span? Customers who hardly use technology? Perhaps a CEO carefully considering their next move forwards?
  • What is the context for the communication?
    Are we delivering good or bad news? Are we trying to grab attention about a new product? Or are we trying to educate businesses about harmful scams?
  • What is the channel of communications?
    Can we be more personal in a one-to-one channel? Can we be more engaging in a social channel? Can we be more attention-grabbing in broadcast media?

    The answers will help you flex the ingredients in our tone of voice to get the tone right, and adjust content to be more tailored to the audience.

Sensitive

For potentially difficult, tricky or complicated audience situations or communications.

 

 

 

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Raise a smile

When we can go big – e.g. sharing major news, drumming up excitement or really being creative.

Flexing our voice for customers

Sensitive

 

The interest rates on your credit card are going up. Here’s what you can do next.

Ready, set, invest

Get into investing without any of the tricky bits – all from the comfort of your sofa. Have a look at our investing for beginners guide to help get 
you started.


Is paying your credit card bill leaving you short each month? Search for ‘Need help with debt or payments?’ 
in our mobile app.

 

Hit the ground running

Welcome to your new Lloyds Bank account. So that you can get going, we’ve put together a list of things to help you make the most of your account.
Let’s get started.

Hi [insert name], your last payment took you over your £50 overdraft.

To avoid overdraft charges, add money to your account before midnight.

If you need help managing your money, we’re here to help with payment support options. 
<insert link>

Raise a smile

For all life’s lemons


Because things don’t always go according to plan, our home, motor, critical illness and life insurance plans ensure 
you’re covered.



Under the weather, 
or over this weather?
Get saving for 
that next holiday

Bob’s your uncle. Or is he?

Lloyds Bank online fraud guarantee protects against all the “uncles”, “aunts” and mysterious others that claim to know you.
Read our quick tips checklist to be able to detect fraud, before it happens.

Split the bill –
now on the menu

Whether you’re indulging in fine dining or splitting a humble pasty, we’ve added new ways to pay your friends in our app.

 

The Swiss army knife of current accounts

One account, 
infinite tools.

Do pass GO
Do collect £200

Welcome to your new Lloyds Bank account. So that you can hit the ground running, we’ve put together a list of things to help you make the most of 
your account.

Flexing our voice for Business and Commercial

We may want to be less playful and use more intelligent wit when talking to higher-turnover businesses.

Sensitive

We’ve temporarily 
blocked your account. 
Here’s what to do next.

We noticed some suspicious activity on your account, so to protect your account from fraud we’ve we’ve temporarily blocked it.
Log on to the app to review your payments (or give us a call) and we’ll get you up and running as soon as we can.



From seed to success

Helping you finance your clients’ success stories, with our finance solutions 
and support.



Brick by brick, we can transform housing

Helping SME housebuilders through sustainability benchmarking, allowing access to discounted finance.

The interest rate on your business account is going down. Here’s what you can do.

The interest rate on your Commercial Instant Access account will change on the 28 October 2024 to the new rates outlined in the table below.

Now is a good time to review whether this account is still right for you. We have a range of other accounts available that could pay more interest.

We’re making changes to your business account from 11 July 2024

These changes mean some of your charges and terms and conditions will change, and your account will have a new product name.
Everything you need to know is summarised in the enclosed 
Guide to Changes.



Merchant Cash Advance

Exactly what it says on the tin. ​

Raise a smile

Turning up the heat on business efficiency

Good things are happening 
at Cavan Bakery.

It’s that taxing part of the year

We make it bearable with our easy-to-use accounting tools.

Cashback to the future

Healthy cash flow is vital to any business.
Talk to us about how you can free up cash from your future sales to steady your cash flow today.

Doing more for
your clients.
(40% more in fact)

With a 40% year-on-year increase in sanctioned deals*, the reality of how we support you and your clients has changed.

Setting the world of haircare straight

How one woman turned her side hustle taming curls into a full-scale sustainable 
haircare business.

The humble potato 
never tasted so good

Good things are 
happening at  Colwith Farm Distillery, with award-winning vodka and gin from the family farm's potatoes.

Flexing our voice for
Business and Commercial

We may want to be less playful and use more intelligent wit when talking to higher-turnover businesses.

Sensitive

Bigger business with smaller footprints

Whatever your business sector, our dedicated Sustainability & ESG finance team can help your business grow sustainably, and transition to a low carbon business model.

Financing the UK’s infrastructure revolution

Infrastructure is key to the UK being net zero by 2050. We’re here to help you understand how to finance your part in changing the infrastructure of Britain. 

 

2,000 new homes

over the next 
four years.

Lighting the way forward

Waxman Energy is 
building a brighter, more sustainable future, with the support of Lloyds, helping the 
UK harness the power 
of solar. 

Leave no one behind

As we transition to net zero, a Just Transition ensures a fair future for all.

Raise a smile

At your service, to achieve net zero

Our dedicated Sustainability & ESG Finance team supports corporate and institutional clients in financing their net zero transition to maximise the benefits for companies, communities and the 
wider economy.

Hats off to collaboration

Partnering with the University of Leeds as it works towards shaping a better future for its communities, the region 
and the world.

We can’t guarantee sunshine

But we can offer scale, expertise and innovation to deliver solutions for you – whatever the forecast.

Don’t let a volatile market knock the wind out of your sails

Hedging could offer the flexibility to buffer the ups and downs of commodity risk.

University challenge accepted

We're the bank of choice for universities across the UK.

The world is your
محار
牡蛎
oyster

The face of UK trade is changing. Our trade insights report helps you embrace the changes and stay intrepid.

Hitting the right notes
Consumer

Context

Student card carrier

 

Investments



Phishing email


Savings rate reduction

Not enough

Welcome to your new Lloyds Bank student card.

Investing elsewhere? Why not transfer?


Can you identify a scam email?

We have other savings options that pay more.

Just right

Ready to rock. Your new student card is here.

Ready, set, invest. 


Spidey senses tingling?

Stick or switch? You’ve got options.

Too far

New card, who dis?


Is your current provider not doing it for you anymore?

Give fraudsters the flick.

Here to stay or time to go

Business

Context

Social competition

Sector-specific messaging

Ransomware email

Start up guide

Press ad targeting brokers

Leeds Board dinner panels

Not enough

We want to hear from sustainable businesses

We support UK Universities

How a ransomware virus can attack your business

How to grow your business

We're lending to your clients more than before

Next level for the next generation

Just right

Calling for Business Heroes of Net Zero!

University challenge accepted 

Uninvited guests in your inbox? 

Sowing the seeds of growth

Doing more for your clients (40% more in fact)

Hats off to collaboration

Too far

Hey Green SME’s!

We dig universities!

Spidey senses tingling?

Grow our business buddy

Our sales targets have hit the roof

Ready to roll!

Tone of voice goes 
beyond words

How our words land is influenced by their context. The interplay, or sometimes juxtaposition, of our words and colour, image, typography all play a part to deliver our personality and tone of voice. 

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A communication tells the customer their card is ready to go. It outlines three clear steps.  To activate contactless, you'll need to use your PIN. View your card and PIN anytime in the app. And you can add your card to your digital wallet.

A bold, black headline on vibrant green has a different tone to light-weight text on calm green.

A simple, straight-up line can convey charm when paired with a surprising image.

Our pragmatism can shine through with clearly laid out steps.

Communicating a sense of momentum

We always want to add movement, momentum and drive to our writing. It helps to use verbs and the active voice to do this. We can also tell a story with action-oriented writing to help customers and clients move forward, getting them excited about the future.

Writing in the active voice

Verbs are doing words, and we naturally use more of them when we speak. Using verbs in your writing helps keep things natural and conversational. Clarity on next steps.

Noun-led: Less active

We have a choice of different accounts to suit you.

We purchase selected 
trade invoices.

Our app is helping more than
8 million customers.

Verb-led: more active

Choose an account that works for you.

Trade your overdue invoices.

Join the 8 million customers using our app.

Action-orientated writing

Don’t miss our Student Account
Get student life started.

Here’s one we made earlier
Get a Ready-Made Pension rolling.

Make your next move with confidence
Weekly Market Insights.

When your invoices have flown the nest
You can still keep the cash flowing.

Now’s a good time to check your account is still getting you to those savings goals.

Ready to rock.
Your new student card is here.

Writing brilliantly for 
everyone: checklist

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Head in the sand, or head in the clouds?

A bold, black headline on Vibrant Green has a different ‘tone’ to light-weight text on Calm Green.

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Does the content live and breathe our positioning?

Is there a sense of momentum or are there clear next steps that help move our audience forward, giving them confidence and control?

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Do we sound uniquely Lloyds?

Does our unique personality and voice shine through to create a more delightful and desirable experience?

Communications quality

Delivering great customer comms experiences through clear, engaging and empathetic content - delivered in the right way, and at the right time. 

We shouldn’t underestimate the power information plays.

By communicating the right information, at the time, and in a clear and engaging way, we give our customers a good experience and help them make informed financial decisions.

Our communications put customers at the heart, and are open, honest, clear and transparent. They’re insight led too, making sure we work hard to help and support our customers to reach their financial objectives. 

No matter the brand, segment or communications type, these are the common principles that apply to all.

Are we supporting good outcomes?

Are these comms open, honest, clear, and transparent, helping our customers and clients make informed financial decisions?


AI principles

Values: using AI in the right way

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People-first

We put people first to go further for customers.

We use AI alongside creativity and critical thinking.

The opposite is:
Designing without human insights.

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Bold

We’re bold and take action.

We embrace innovation and change.

The opposite is:
We resist change and miss out on opportunities to shape our AI tools.

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Inclusive

We’re inclusive to value everyone.

We’re transparent about how we use AI and share what we’re learning.

The opposite is:
We hide how we use AI, eroding trust and preventing learning.

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Sustainable

We champion sustainability to care for our planet

Our approach to AI centres the world we live in

The opposite is:
Failing to think about our impact on the world around us

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Trust

We trust each other to achieve more together

We get the best out of AI when we value humans

The opposite is:
We use AI as a shortcut and create poor experiences

How Copilot can make us go faster

Copilot can be used as your virtual collaborator for a range of content ideation and brainstorming scenarios. Here are a few ways it can supercharge your content and conversation design workflows:

  • Unlock creativity – use AI as a sparring partner to challenge assumptions and generate new ideas.
  • Generate content variants – headlines, microcopy, chatbot responses and more.
  • Explore voice and tone choices – generate content in different styles that follow brand guidelines.
  • Prototype conversations – quickly test flows and next best actions across user journeys.

While AI can fuel ideation, critical thinking is always required to assess Copilot’s responses. They’re an input for your work, not the end state.

Understanding prompt design

Try using prompts to augment your brainstorming activities and get some ideas flowing. For example:

Create 10 variants of a CTA for customers to review their spending. Keep the messages actionable, optimistic in tone and short enough to fit in a button (max 15 characters)

Prompt design is the practice of crafting clear, purposeful instructions that guide AI systems – especially LLMs – to generate useful, relevant and brand-aligned responses. As an an emerging core skill for content and conversation designers, prompt design allows you to:

  • frame problems in ways an LLM can best interpret
  • influence the tone, structure and accuracy of responses
  • iterate and refine LLM outputs through structured experimentation.

For designers at Lloyds, Microsoft Copilot is the bank’s supported AI tool and should be your assistant of choice.

Ethics for prompt design

Having the power of AI at your fingertips brings a set of responsibilities that are described in LBG’s AI assurance process. Here are some crucial considerations:

  • Use approved AI tools –  Copilot is currently the approved tool for use at Lloyds. Don’t use public Large Language Models (LLMs) like ChatGPT or Gemini for your work.
  • Check AI responses – look out for hallucinations, misinformation, toxicity, bias, autonomous reasoning and other inherent risks associated with generative AI.
  • Be transparent – clearly identify where AI-generated content has been used in your work, and the rationale for doing so (e.g. messaging ideation, tone experiments).
  • Prioritise privacy – don’t enter sensitive, personal or customer data into Copilot unless special permission has been given.
  • Respect accessibility – ensure outputs are inclusive, accessible and aligned with brand and regulatory standards.

Lead with mindfulness

Design prompts that align with accessibility and inclusion standards in order to achieve ethical outcomes. For example:

Explain the benefits of  saving regularly to a customer who may be financially vulnerable. Use considerate language that aligns with the European Accessibility Act (EAA).

Using AI sustainably

Prompt design isn’t just about getting the desired outputs – it's about doing so responsibly. As generative AI becomes embedded in design workflows you should always consider the environmental impact.

  • Use AI when it adds value – be selective and avoid unnecessary experimentation that doesn’t deliver meaningful outcomes.
  • Be clear and concise – avoid overly verbose prompts to help reduce the energy footprint. Complex prompts like chaining (when prompts are linked together) should only be used where necessary.
  • Avoid greetings and politeness – every word in a prompt is converted to a set of tokens that are processed. Hellos and goodbyes can unnecessarily add tokens, as do thank yous and pleases.
  • Monitor performance – where possible, use tools that track prompt performance and environmental cost.

Design with intention

Every prompt you create is a choice, so think critically about its necessity and structure. 

Check out these resources for more info about responsible and sustainable use of AI:

Responsible AI@LBG

Environmental sustainability

Protecting confidentiality

If you’re using confidential source materials, you’ll need to treat the outputs as confidential too. Some points to consider:

  • Labelling –  use the right label for the document, maintain appropriate access controls and be careful who you share it with.
  • Access – Copilot can access a wide range of sources. Eg if a file is on Sharepoint, it’ll be available to Copilot when it’s being used by anyone who also has access to that file.
  • Third-party IP rights – watch out for AI-generated content that infringes copyrights, eg trade marks, logos, even the way other brands look and feel.
  • Checking rights – make sure LBG has the rights to any third-party information you use in Copilot. Check external websites for terms of use. If in doubt, ask. 
  • Legal advice – don’t use legal advice you’ve received from a lawyer in AI tools, as it could affect our legal privilege. Watch out for anything that says, ‘legally privileged’.

Careful prompting

Protecting confidentiality with prompts includes the information you use to start with and the outputs you get. 

For example, be wary of copying and pasting from a competitor’s website as part of your prompt. Instead, consider creating your own (reusable) source material.


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