The initiative connects Lloyds personal account holders with independent businesses that also bank with the lender. With more than 28 million customers across the banking group, the trial could eventually reach other parts of the UK, although no wider rollout has been confirmed. For now, eligibility is restricted to customers with registered addresses in the two participating cities.
How Lloyds Customers Can Claim 10% Cashback on Local Purchases
The trial allows eligible customers to receive 10% cashback when shopping at selected businesses. According to the Daily Express, customers must hold a Lloyds personal bank account and have a registered address in either York or Exeter to qualify.
Participating offers appear in the Rewards section of the Lloyds mobile banking app, depending on the postcode associated with the customer’s account. Customers must activate the relevant offer before making a purchase using a Lloyds-issued debit or credit card.
Once the transaction qualifies, the cashback is paid directly into the customer’s current account. The arrangement operates through the bank’s existing rewards programme, rather than requiring customers to register separately with participating businesses.
In York, confirmed participants include Dusk Bar, Durham Ox and Chris Sellers Tyres. The York Press also identifies The Clifton and Thor’s among the participating establishments, alongside businesses in Crayke and Scarborough.
In the Exeter area, participating businesses include The Holt, Oriel’s, The Milky Way Adventure Park, The Marine in Dawlish, Bicton Botanical Gardens, World of Country Life and Kit Heath.
The range of businesses covers hospitality, leisure, retail and automotive services, giving eligible customers several types of purchases on which to earn cashback.
Why Lloyds Is Testing Local Rewards As Bank Branches Continue To Close
The initiative is intended to support independent businesses by connecting them with Lloyds customers through the mobile banking app. Ruchir Rodrigues, managing director of business and innovation banking at Lloyds, said the trial would help business customers increase their visibility and reach potential shoppers.
“We’re excited to learn from the launch in York and Exeter as we explore whether the offer could support more communities across the UK,” Rodrigues said.
The Milky Way Adventure Park, one of the participating businesses, welcomed the initiative, saying it hoped to attract both new and returning visitors while supporting its local community.
The trial also comes as Lloyds Banking Group continues reducing its physical branch network. According to the Daily Express, the group, which includes Lloyds Bank, Halifax and Bank of Scotland, is closing 232 branches during 2026.
Once the planned closures are completed, the group will have 610 branches remaining. Lloyds maintains that the growing use of online banking has made some physical branches commercially unviable.
The wider decline is longstanding. Figures from the British Banking Association and the Office for National Statistics cited by the report show that Britain had 21,643 bank and building society branches in 1986, compared with 6,870 in 2024. For now, the cashback programme remains limited to York and Exeter. Lloyds has expressed interest in extending the scheme to other communities, but has not announced further locations or a timetable for expansion.
