How can you stop fraud in its tracks?
You’ve received a phone call, text or email asking for your personal or financial information. What do you do?
Before you act, stop. Take a minute, and think about what to do next.
Some requests for this information are legitimate, but sometimes they’re from people who aren’t who they say they are. Here are a few ways you can help protect yourself online.
Key tips on how to protect yourself
Be absolutely certain who you're speaking to
A genuine bank or organisation will never contact you out of the blue to ask for your PIN, full password or to move money to another account. Only give out your personal financial details to use a service that you have given your consent to, that you trust and that you are expecting to be contacted by. Before you share anything with anyone, stop. Then pause to consider what you're being asked for and question why they need it. Unless you're 100% sure who you're talking to, don't disclose any personal or financial details.
Don’t assume an email, text or phone call is authentic
It might seem like someone knows your basic details, like name or date of birth, but even that doesn’t mean they’re genuine. Fraudsters might try and win your trust by claiming you've been a victim of fraud. This is to try and 'shock' you into talking, so you might give your security details to them.
Don’t let anyone rush or pressure you into a decision
You'll never have a genuine bank or trusted organisation pushing you into a decision. They'll never force you to move money, or make financial transactions on the spot. If you're ever asked to move money to another account, especially if it's 'due to fraud’, stop and think about what they're asking you.
Listen to your instincts
Does a situation just feel wrong or strange, and you don't know why? If so, it’s usually right to question it. Fraudsters will try to lull you into a false sense of security, and catch you off guard - whether you're at home or out and about. If you feel like this person isn't who they appear to be, question it. It's better to be safe than sorry.
Stay in control
Confidence is key here. It's always okay to stop a conversation if you don't feel comfortable, and you can always refuse requests for personal or financial information.
What to do if you’re a victim of fraud
Scams can be sophisticated. If you fear you’ve fallen victim to fraud, call us immediately on:
+44(0)3457 212 212 – for current account customers
+44(0)345 600 6000 – for credit card customers
+44(0)3457 213 213 – for business banking customers
Likewise, contact us asap if you've noticed some suspicious activity on your account or think someone has acquired your account details.
Fraudsters will sometimes send fake emails claiming to be from trusted organisations. If you suspect a smile email of being a scam, please let us know by forwarding it to firstname.lastname@example.org
Take Five is a national campaign that offers straightforward and impartial advice to help everyone protect themselves from preventable financial fraud. This includes email deception and phone-based scams as well as online fraud – particularly where criminals impersonate trusted organisations.
Led by Financial Fraud Action UK (FFA UK), it is being delivered with and through a range of partners in the UK payments industry, financial services firms, law enforcement agencies, telecommunication providers, commercial, public and third sector. Visit: takefive-stopfraud.org.uk for more information about Take Five and which partners are involved.
Calls to 0800 and 0808 numbers are free from landlines and mobiles. Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company's access charge. Calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge.
Calls may be monitored or recorded for security and training purposes.