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  3. How we protect you

How we protect you

We’re committed to making your banking experience as safe and secure as possible. Learn more about the steps we take to keep your details and your money safe.

Our Fraud Guarantee

Our Fraud Guarantee works to protect you and your money when you bank with us, whether that’s online, via the app, over the phone or in branch.

If you happen to fall victim to fraudulent activity, we guarantee to refund your loss as long as you’ve not acted fraudulently, you’ve taken reasonable steps to keep your details safe, and the fraud did not occur due to circumstances beyond our control.

Learn more about our Fraud Guarantee

Free security software to keep you safe

We offer free security software from Trusteer Rapport to protect you when you bank online. We recommend you use Trusteer Rapport alongside firewall and antivirus software to provide an extra layer of protection. Learn more and download Trusteer Rapport.

Other ways we keep you safe

More services we offer to keep your finances safe.

  • Report 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:

For current account customers – +44(0)3457 212 212 (Call Charges)

For credit card customers – +44(0)345 600 6000 (Call Charges)

For business banking customers – +44(0)3457 213 213 (Call Charges)


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