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Learn to use email to stay in touch.
When would you use email? Well, you might want to send your CV to a job agency. Share travel details with a friend. Ask your council about bin collections or cancel a magazine subscription. That’s just a few of the many day-to-day tasks that email can help us with.
74% of people used email to contact a business in 2025.
In this lesson, we’ll help you make the most of email and stay safe while you’re using it.
12 minutes
Chapter 1
2 minutes
In this chapter, we’ll guide you step-by-step through the process of setting up an email account. But first, you’ll need to pick your provider.
There are many providers you can use. Some are free. Others are part of an Internet Service Provider (ISP) package with your broadband. There are also separate, paid for services. All of them give you an email address. This is how people identify and contact you online. For instance, yourname@emailservicename.com.
Free services
Do you have a smartphone? Then you’re likely to have a free email account – Gmail for Android users and iCloud Mail for iPhones. Other free services include AOL, Microsoft’s Outlook and Yahoo! Mail.
They’re quick and easy to set up. But just like when you watch free TV channels, you will get adverts. So expect to see promotional emails and offers in your inbox.
ISP packages
Broadband providers like EE, Virgin Media and Sky offer email accounts as part of their package.
You may see less adverts with these. But if you want to change broadband provider, you’ll lose the email account.
Paid services
Businesses often use these, though some work for personal use too. They include Fastmail, ProtonMail and Tuta.
You won’t see any adverts and you can decide how you want your email address to look, including the bit after the @ symbol. These can be more secure than the free and ISP options, too.
Step 1
Go to the provider's website
Search for the provider’s name or type in their web address.
Step 2
Select the button to start a new account
This might say ‘sign up’ or ‘create account’.
Step 3
Fill in your details
This may include your name, phone number and date of birth.
Step 4
Choose your email address
For free and ISP accounts, this is just the bit before the ‘@’. You’ll also need to set a password.
Step 5
Agree to the terms
This is where the provider lists their rules. Scroll down and select Agree or Accept to continue.
You can also set up your phone provider’s free email by going into 'Settings' on your phone. For Android phones, you can use the Gmail app to set up a new account.
If you need more help, our Digital Helpline can help. Free to use, just call us on 0345 222 0333. It’s open Monday to Friday, 9am – 6pm.
You can use this service if you live in the UK or Channel Islands and you’re over 18 (or supervised by a parent or guardian if under 18).
Chapter 2
3 minutes
There are two main ways to get to your emails.
You can:
Use an email app
This may be on your mobile device already – look for Mail (Apple devices) or Gmail (Android).
If not, download the app from your device’s app store.
Use webmail
Webmail is just a website you can use from any web browser, on any device.
You’ll need to log in, using the email address and password you entered when you set the account up.
If you use Webmail, add this to your favourites on your web browser. Look for a little star near the web address field.
This lets you save that page, so you can come back to it later.
The email sites and apps may look slightly different, but they all let you see and do the same kind of things.
Inbox
This is usually the first thing you’ll see. Emails that people send you go here.
Sent
When you write and send an email, you’ll see a copy of it here.
Drafts
This is where you’ll find emails you’ve started writing but haven’t sent yet.
Junk
Sometimes this is called ‘spam’. Some emails you receive will go here instead of your inbox, if your email service thinks you may not want to see them.
That includes adverts (like the ‘junk mail’ you get through the post) and mail items that look suspicious.
Bin
This might be called ‘trash’ or ‘deleted items’. If you delete an email, it ends up here for a while, before the email system deletes it permanently. How long depends on the email service.
While the email is here, you can get it back.
Email systems sometimes put things in Junk that shouldn’t be there. So it’s good to check the Junk folder every so often, especially if you’re expecting an email and can’t find it in your Inbox.
This is another common feature, and a very useful one.
When you send an email to someone, your email service usually keeps a note of them. So the next time you go to type their name or address, it suggests the email address you’ve used before.
This saves time and means you’re less likely to make mistakes by typing out their email address each time you need it.
AI can help you manage your emails and keep you safe.
Your email service might use it to:
Chapter 3
4 minutes
Follow these steps to create and send an email
Look for a button that says ‘New email’ or ‘Compose’. It might have a symbol that looks like a pen and paper.
If you’re replying to someone’s email, open their email and select ‘Reply’.
This is what you type in the ‘subject’ field. It’s the first thing someone sees when they look at your email, so it should grab their attention.
Think of it as your title or a headline.
The ‘body’ of the email is next. This is where you put your main message. You can use words, images, tables, links and other files.
Artificial Intelligence (AI) tools like ChatGPT, Gemini or Copilot can help you write your message. You can ask these tools to suggest wording to make it more formal, friendly, shorter or clearer.
They can also help with clear, attention-grabbing subject lines, based on what you’ve written.
Often, there’s a spelling check tool you can use. It’s always a good idea to check by reading through yourself, too. There are some things that the tool won’t pick up, because it only looks at the spelling.
For instance, you might have typed ‘to’ instead of ‘two’.
Just like using a paperclip to add a file to a physical letter, you can use ‘attachments’ to add files to your emails. This is a great way to send files you need to share.
Some email services even use a paperclip as a symbol for the attach button. Once you select this, you can pick a file from your device.
You’ll need to think about file size, as there may be a limit to how large the attachment size can be. Images, videos and long documents tend to take up much more space.
There are three ways to do this.
You can use:
The 'to' field
This is for the main recipients of your email.
If you’re just sending to one person, use this. It’s also what you use if you’re sending to more people and you want them all to see and act on your email.
The 'cc' field
This is for people who might also be interested.
Use this for people who you want to be able to read the email, but you don’t need them to reply.
The 'bcc' field
A bit like ‘cc’, use this for people you want to read the email, without others seeing their names or email addresses.
If you’re sending a newsletter out to a group and want to keep each person’s email address private, you might put all their names in the ‘bcc’ field.
Once you’ve written your email and checked it, it’s ready to go. Just select ‘send’!
Finish writing your message first, then fill in the ‘to’ field. If you fill these in first, you might send an unfinished email before you’ve checked it.
If someone has sent an email to a group of people, you might just want to respond to the sender. So you would select ‘Reply’ – often shown as a single arrow button.
If you want to reply to everyone, you’d pick the ‘Reply all’ button. This might look like a double arrow.
It can be quite easy to pick that button when you only mean to reply to the sender. So take your time to check, before you send.
When we write an email, we often type exactly what we would say when we talk. But this doesn’t always go down well. The way you write something sometimes sounds different to how you’d say it. People might read your words differently to how you meant them. Think about this when you’re writing emails.
You might talk to a friend differently to how you’d talk to your landlord or your bank. It’s the same with emails.
Make your tone of voice right for the person you’re emailing.
The emails you write at work are different to those you send personally.
Watch this video to learn how to stay safe while using email in the workplace.
Try again - that's not quite right!
Hint: You want your email to grab people's attention and understand what the email is about, before they open it.
That's right!
Before people open emails, they can see the subject line in their inbox. This helps them understand what the email is about.
Chapter 4
3 minutes
Some emails you just read then delete. Others you want to keep. Like receipts, instructions or messages you need later. But what would you do if you lost those?
Backups keep your emails safe. Many email services will back up your emails for you. It means if something happens to your device, your emails are still safely saved elsewhere. Check how your email service does this. Some do it automatically – with others, you may need to select a button.
With your emails saved online and backed up, you can use them on the move. And you can pick them up from more than one device. So you can use them on a laptop, then access those same emails later on your phone. Plus, if you lose your phone or your laptop is stolen, you’ll still be able to access your emails.
Emails are a great way to send and receive messages and information. But this means people can use them to try to steal your details. So let’s look at how you can keep yourself safe from this kind of thing.
Email scammers can:
Send you an email, asking you to reply with your details.
Send you an email, asking you to select a link that then asks for your details (or a payment).
Send you an email with a link that puts software on your computer. They use this to get your details.
Scam emails can be tricky to spot. Scammers tend to make their messages seem important, urgent and topical. This is so you feel pressured into acting.
Our Get started with online safety lesson can help you identify scams. It shows you what to look out for and how to protect yourself.
If you get an email you think may be a scam, don’t select any links in it. Delete it. Some email services have a ‘delete and report’ feature. This lets you report it as suspicious at the same time as removing it from your inbox, in one click or tap. You can also forward suspicious emails to report@phishing.gov.uk.
Never select links in an email that you're not sure about. Try using a browser to search for the website instead.
So, you should always:
Stop
Take a moment to stop and think before you do anything with your finances or personal details.
Challenge
If the message seem too good to be true, it’s OK to ignore it. Only criminals will try to rush or panic you.
Protect
Contact your bank straight away if you think you've fallen for a scam and go to Report Fraud.
The first thing to do is contact Report Fraud on 0300 123 2040 or online at https://www.reportfraud.police.uk/ . If you're in Scotland, you can contact Police Scotland on 101.
Next, take steps to stop further damage:
If the scam affects your bank account
Contact your bank straight away.
Call 159 to connect to your bank’s fraud team.
If you think someone has one of your passwords
Take action to change your password immediately.
We have more lessons to help you stay safe online.
Why not start with our Introduction to online safety?
Lloyds Bank Academy is committed to providing information in a way that is accessible and useful for our users. This information, however, is not in any way intended to amount to authority or advice on which reliance should be placed. You should seek professional advice as appropriate and required. Any sites, products or services named in this module are just examples of what's available. Lloyds Bank does not endorse the services they provide. The information in this module was last updated on 11th March 2026.