Lloyds Bank Email Virus

Also Known As: Lloyds Bank transaction virus
Type: Trojan
Damage level: Severe

"Lloyds Bank Email Virus" removal guide

What is "Lloyds Bank Email Virus"?

Similar to "Deloitte Email Virus", "Payroll Timetable Email Virus", "Invoice Attached - FINAL NOTICE Email Virus", and many others, "Lloyds Bank Email Virus" is a spam email campaign used to distribute the TrickBot trojan. Criminals send thousands of deceptive emails encouraging users to open malicious MS Office attachments. Once opened, however, these files immediately download and install TrickBot onto the system.

Lloyds Bank Email Virus malware

"Lloyds Bank Email Virus" messages are presented as notifications of a supposed transaction that has been made. It is stated that all detailed information regarding the payment is provided in the attached document and users are encouraged to open it. Opening the file results in system infection. Note that the sender signs as an employee of Lloyds Bank, however, this is deceptive. Lloyds Bank is a legitimate bank and certainly not involved with this scam. Research shows that cyber criminals often hide behind names of popular companies and even governmental agencies. They do this to increase the number of infections - users are much more likely to open attachments when they are received from familiar names. Be aware that TrickBot is a high-risk information-stealing trojan. It hijacks browsers and modifies visited website content, so that all entered logins/passwords are saved and sent to a remote server. Cyber criminals might gain access to accounts for social networks, banks, PayPal, and so on. They aim to generate as much revenue as possible, and therefore hijacked accounts are misused through online purchases, money transfers, etc. The presence of a virus such as TrickBot might lead to serious privacy issues or even identity theft. If you have already opened a "Lloyds Bank Email Virus" campaign attachment, immediately scan the system with a reputable anti-virus/anti-spyware suite and eliminate all detected threats.

Threat Summary:
NameLloyds Bank transaction virus
Threat TypeTrojan, Password stealing virus, Banking malware, Spyware
SymptomsTrojans are designed to stealthily infiltrate victim's computer and remain silent thus no particular symptoms are clearly visible on an infected machine.
Distribution methodsInfected email attachments, malicious online advertisements, social engineering, software cracks.
DamageStolen banking information, passwords, identity theft, victim's computer added to a botnet.
Malware Removal (Windows)

To eliminate possible malware infections, scan your computer with legitimate antivirus software. Our security researchers recommend using Combo Cleaner.
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To use full-featured product, you have to purchase a license for Combo Cleaner. 7 days free trial available. Combo Cleaner is owned and operated by Rcs Lt, the parent company of PCRisk.com read more.

There are dozens of trojan-type viruses distributed using spam campaigns, all of which are similar to TrickBot. The list of examples includes (but is not limited to) Emotet, Ursnif, Adwind, and Hancitor. These viruses have different developers and their behavior might also differ (some gather information, whilst others proliferate other viruses, and so on), however, all pose a direct threat to your privacy and computer safety. Therefore, eliminate trojans such as TrickBot immediately.

How did "Lloyds Bank Email Virus" infect my computer?

As mentioned above, "Lloyds Bank Email Virus" distributes a malicious MS Office document. Once opened, the file immediately asks users to enable macro commands, otherwise the content will not be displayed properly, however, in doing so, users enable attachments to download and install TrickBot onto the system. This malware distribution method is simple and effective, but has a major flaw. Attachments can only download viruses if they are opened using MS Office's programs. For example, if a Word file is opened using an application other than MS Word, the computer will not be infected. Furthermore, TrickBot works only on the Microsoft Operating system. Users of other platforms have nothing to worry about.

How to avoid installation of malware?

Be cautious when browsing the Internet. Think twice before opening email attachments. If the file is irrelevant/unexpected or the sender seems suspicious/unrecognizable, you should never open it. Furthermore, have a reputable anti-virus/anti-spyware suite installed and running, since these tools can detect and eliminate malicious files before they do any damage. The main reasons for computer infections are poor knowledge and careless behavior - the key to safety is caution. If you have already opened "Lloyds Bank Email Virus" attachment, we recommend running a scan with Combo Cleaner Antivirus for Windows to automatically eliminate infiltrated malware.

Text presented in the "Lloyds Bank Email Virus" email message:

Subject: Reference: BACS09280981
Dear customer if you are not aware of this transaction or have concerns about the request, please contact your company administrator.
Reference: BACS09280981

The detailed information about this incoming BACs payments is available in the attached report.
Incoming BACs payments will be posted to your company account the same business day we receive attached form.

Kind regards,

Oliver Wilson
Transaction Monitoring Officer
Lloyds Bank

This message, and any attachments, is for the intended recipient(s) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions. If you are not the intended recipient, please delete this message.

Malicious attachment distributed via "Lloyds Bank Email Virus" spam campaign:

Malicious attachment distributed through Lloyds Bank Email Virus spam campaign

Second variant of "Lloyds Bank Email Virus" that also distributes TrickBot:

Screenshot of deceptive email:

Lloyds Bank Email Virus email (sample 2)

Text presented within this email:

Subject: Case Number: 238963BACS
This secure email was sent to: m.riefenstahl@myonlinesecurity.co.uk
Incoming BACs
Please check enclosed copies of incoming BACs documents. Review and sign, when completed please fax to +44 (0) 845 301 1621.
Reference: 3242122
Case Number: 238963BACS
Date: 30/10/2018
Customer ID: LB7281341
This e-mail including any attachments is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it (including any attachments) immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments. Telephone calls may be monitored or recorded.
Please do not reply to this email as this address is not manned and cannot receive any replies.
Lloyds Bank plc, 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, number 2065. Telephone No: 020 7626 1500.
Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. We are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service.

Screenshot of malicious attachment:

Lloyds Bank Email virus malicious attachment (sample 2)

Third variant of "Lloyds Bank Email Virus":

Screenshot of the email:

Third variant of Lloyds Bank Update Virus

Text presented within this email:

Lloyds Bank
Confidential Documents
This email was sent from a notification-only email address which cannot accept incoming email. Please do not reply directly to this message.

We have uploaded invoices/documents related to your account, please check the link below for more information.

Please use this authorisation code to view your documents
Authorisation Code:475418
Documents will be automatically deleted on Nov 15, 2018 @ 09:21 AM (GMT)
The submission number is id: 8d6ba737-775e8bdc-f95f16f3-1b460259
Please quote this number in any communications with Lloyds Bank.
Your sincerely,

Robina Barker Bennett
Senior Officer
Lloyds Bank

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
Disclaimer: This email and any attachments are confidential and for the sole use of the recipients. If you have received this email in error please notify the sender.

Email Security Powered by Lloyds Bank Online. Copyright 2002-2018 Lloyds Bank Security, PLC. All rights reserved.

Update 7 December, 2018 - Cyber criminals released a new variant of "Lloyds Bank Email Virus" spam campaign which now proliferates Ursnif. The malicious attachment is PDF document which, once opened, downloads a VBS file from Google Docs. This VBS file then downloads the actual malware and infects the system.

Screenshot of the email letter:

Lloyds Bank Email Virus spam campaign letter distributing Ursnif

Text presented within this letter:

Subject: Lloyds Fraud Protection Services

Action issued
    Lloyds Fraud Protection Services: Lloyds ATM or Lloyds Debit Card

    Please notify us if you, or other person you authorized, used your Lloyds Debit or ATM Card for transaction logs which are attached.

    Are all transactions listed above clear for you?
    CONFIRM – call 0800 085 5714 (+44 1442 429942 if you are overseas.)
    – Your Lloyds card remains active.
    – If a purchase was declined, you will not be charged until you will try again.

    DECLINE – dial 0800 085 2234 (+44 1442 426112 if you are overseas.)
    – Your card will be blocked, and we’ll call you.

    Kind regards,
    Lloyds Bank Anti-fraud Cardnet

    Lloyds Banking Group plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC95000. Telephone 0131 225 1027. Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England & Wales # 6010. Telephone 0207626 1411. Bank Of Scrotland plc Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Sctorled # SC32700. Telephone: 03457 801 571. Cheltenham & Gloucester plc Registered Office: Barnett Way, Gloucester GL4 3RL. Registered in England & Wales 2298091. Telephone 0345 603 4925

    Cardnet is a registered trademark of Lloyds Bank plc

Screenshot of malicious attachment (PDF file):

Malicious Lloyds Bank Email Virus attachment that downloads VBS file which infects the system with Ursnif malware

Instant automatic malware removal: Manual threat removal might be a lengthy and complicated process that requires advanced computer skills. Combo Cleaner is a professional automatic malware removal tool that is recommended to get rid of malware. Download it by clicking the button below:
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Quick menu:

How to remove malware manually?

Manual malware removal is a complicated task - usually it is best to allow antivirus or anti-malware programs to do this automatically. To remove this malware we recommend using Combo Cleaner Antivirus for Windows. If you wish to remove malware manually, the first step is to identify the name of the malware that you are trying to remove. Here is an example of a suspicious program running on a user's computer:

malicious process running on user's computer sample

If you checked the list of programs running on your computer, for example using task manager, and identified a program that looks suspicious, you should continue with these steps:

manual malware removal step 1 Download a program called Autoruns. This program shows auto-start applications, Registry, and file system locations:

screenshot of autoruns application

manual malware removal step 2Restart your computer into Safe Mode:

Windows XP and Windows 7 users: Start your computer in Safe Mode. Click Start, click Shut Down, click Restart, click OK. During your computer start process, press the F8 key on your keyboard multiple times until you see the Windows Advanced Option menu, and then select Safe Mode with Networking from the list.

Safe Mode with Networking

Video showing how to start Windows 7 in "Safe Mode with Networking":

Windows 8 users: Start Windows 8 is Safe Mode with Networking - Go to Windows 8 Start Screen, type Advanced, in the search results select Settings. Click Advanced startup options, in the opened "General PC Settings" window, select Advanced startup. Click the "Restart now" button. Your computer will now restart into the "Advanced Startup options menu". Click the "Troubleshoot" button, and then click the "Advanced options" button. In the advanced option screen, click "Startup settings". Click the "Restart" button. Your PC will restart into the Startup Settings screen. Press F5 to boot in Safe Mode with Networking.

Windows 8 Safe Mode with networking

Video showing how to start Windows 8 in "Safe Mode with Networking":

Windows 10 users: Click the Windows logo and select the Power icon. In the opened menu click "Restart" while holding "Shift" button on your keyboard. In the "choose an option" window click on the "Troubleshoot", next select "Advanced options". In the advanced options menu select "Startup Settings" and click on the "Restart" button. In the following window you should click the "F5" button on your keyboard. This will restart your operating system in safe mode with networking.

windows 10 safe mode with networking

Video showing how to start Windows 10 in "Safe Mode with Networking":


manual malware removal step 3Extract the downloaded archive and run the Autoruns.exe file.

extract autoruns.zip and run autoruns.exe

manual malware removal step 4In the Autoruns application, click "Options" at the top and uncheck the "Hide Empty Locations" and "Hide Windows Entries" options. After this procedure, click the "Refresh" icon.

Click 'Options' at the top and uncheck 'Hide Empty Locations' and 'Hide Windows Entries' options

manual malware removal step 5Check the list provided by the Autoruns application and locate the malware file that you want to eliminate.

You should write down its full path and name. Note that some malware hides process names under legitimate Windows process names. At this stage, it is very important to avoid removing system files. After you locate the suspicious program you wish to remove, right click your mouse over its name and choose "Delete".

locate the malware file you want to remove

After removing the malware through the Autoruns application (this ensures that the malware will run automatically on the next system startup), you should search for the malware name on your computer. Be sure to enable hidden files and folders before proceeding. If you find the filename of the malware, be sure to remove it.

searching for malware file on your computer

Reboot your computer in normal mode. Following these steps should remove any malware from your computer. Note that manual threat removal requires advanced computer skills. If you do not have these skills, leave malware removal to antivirus and anti-malware programs. These steps might not work with advanced malware infections. As always it is best to prevent infection than try to remove malware later. To keep your computer safe, install the latest operating system updates and use antivirus software.

To be sure your computer is free of malware infections, we recommend scanning it with Combo Cleaner Antivirus for Windows.

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About the author:

Tomas Meskauskas

Tomas Meskauskas - expert security researcher, professional malware analyst.

I am passionate about computer security and technology. I have an experience of over 10 years working in various companies related to computer technical issue solving and Internet security. I have been working as an author and editor for pcrisk.com since 2010. Follow me on Twitter and LinkedIn to stay informed about the latest online security threats. Contact Tomas Meskauskas.

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Malware activity

Global malware activity level today:

Medium threat activity

Increased attack rate of infections detected within the last 24 hours.

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