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Take Five to stop fraud

Received a phone call, text or email asking for your personal or financial information? If so, what do you do? Before you act, stop. Take a moment to assess the situation.

The information below should help you work out whether that request is legitimate.


  1. Never give out your security details (such as your PIN or full banking password)

    A genuine bank or organisation will never ask you for these in an email, on the phone or in writing. Consider what you’re being asked for. Question why they need it. If you aren’t 100% sure who you’re talking to, don’t give them your personal or financial details.

  2. Don't assume an email, text or phone call is authentic

    Even if someone seems to know your basic details, it doesn’t mean they’re genuine. In an attempt to gain your trust, fraudsters may claim you’ve been a victim of fraud. They often do this to get you talking, then try and persuade you into giving them your security details.

  3. Don’t be rushed, or pressured, into making a decision

    No genuine bank or trusted organisation will, under any circumstances, force you to make a financial transaction on the spot. Neither would they ask you to transfer money into another account for reasons relating to fraud. If you’re asked to do this, then stop and consider what they are asking you.

  4. Listen to your instincts

    Does a situation feel wrong or strange? If so, it’s usually right to question it. Fraudsters will try to manipulate you: they’ll try and lull you into a false sense of security when out and about, or rely on your defences being down when you’re at home. They’ll try to appear trustworthy, but they may not be what they appear.

  5. Stay in control

    Be confident. It’s always okay to stop a conversation. You can always refuse unusual requests for personal or financial information.


Learn more about fraud here

  • What to do if you’re a victim of fraud

If you think that you may have revealed your security details, fallen victim to fraud, or notice any unusual activity on your account, please contact us immediately on:

+44(0)3457 212 212 (Call Charges) - for current account customers

+44(0)345 600 6000 (Call Charges) - for credit card customers

+44(0)3457 213 213 (Call Charges) - for business banking customers

If you have seen a scam email claiming to be from us, please let us know by forwarding it to ihaveseenascam@co-operativebank.co.uk


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.

takefive-stopfraud.org.uk

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