Digital wallet scam: how criminals are targeting Apple Pay and Google Pay users

26 July 2022

3 min read

As mobile technology continues to evolve, making day-to-day spending more convenient and biometrically secure, fraudsters also continue to evolve their methods in order to find ways to navigate around these systems, through deceiving you into giving out personal information.

Now, with the surfacing of digital wallet scams, we are seeing fraudsters impersonating bank and service providers to request information they need to be able to use your Debit or credit card(s), to commit fraud on your account(s).

How these scams work

These are the current tactics for digital wallet scams which are being reported to us, but please stay vigilant; fraudsters will continue to keep developing and attempting different tactics in order to keep successfully using this scam.

When targeting Apple Pay users:

  • The user receives a text message to advise they need to re-register their card in order to use Apple Pay
  • The text message contains a link which the user can click on, redirecting them to a page where they will be asked for their full name, address, date of birth, and contact details
  • Users are then asked to provide their sort code, account number, 16-digit card number, card expiry date, and the 3 security digits on the back of their card.

When targeting Google Pay and other digital wallet users:

  • Users receive a call from someone claiming to be from their bank
  • The fraudster will discuss false unusual activity on the your account, and advise you need to add your card to a new security system called ‘Wallet Pay’
  • The fraudsters tell users they’ll receive a text message shortly, and they’ll need that code to register for the ‘Wallet Pay’ service.

If you are contacted either by text message or by phone call with any of the activity listed above— do not engage, this is a scam.

If you suspect you’ve received any form of suspicious contact, or may have been victim to a scam, please report it to us as soon as possible.

Need to report a scam? Call 159.

Now, when you call 159, you'll be redirected to a service that connects you to your bank so you can report scams or suspected fraudulent activity.

Find out when you should call 159

We will never actively contact you to register cards in your digital wallet. If you have not personally requested to register a card for your digital wallet through your own device, and are contacted about doing so— do not engage, this is a scam.

Remember these key tips to protect yourself against fraud

  • Never share your card details, bank account or security information in full.
  • Never share the PIN for your card with anyone.
  • Never share any verification codes with anyone, including someone you believe might be us.
  • Be very wary of out-of-the-blue phone calls. The Bank or the police will never ask you to move your money out of your account to keep it safe, or ask you to visit a branch and take out any cash to hand over to them.
  • Never tell anyone your Online Banking One Time Passcodes that we send to you in a text or an email. Not even someone you believe might be us.
  • The Bank or police will never ask you to assist with an investigation.


Related topics

How to spot fake emails and texts

Read more about impersonation scams

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