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, and you've taken reasonable steps to keep your details safe.
However you choose to bank with us, you can be sure you are protected. Our fraud prevention methods include:
In the unlikely event you fall victim to fraud we'll refund your money as long as you've taken reasonable steps to keep your details safe. If you have not attempted to keep your details safe, we will not refund you any money.
We do everything we can to keep you safe and secure. However, there are common threats that you can be aware of and some simple steps you can take to help protect yourself from fraud. Learn more about keeping your information and account safe.
If you are asked to make a payment, it is your responsibility to make sure the request is genuine before you authorise it. Please be aware of seemingly random requests to move money, or requests that are from people or companies you haven't dealt with before. If this happens, it is often a sign that you are being tricked.
Each situation will be assessed on an individual basis. We can't refund payments you have authorised when you have been tricked or scammed.
For example we are not likely to refund you if:
Remember that a genuine bank or organisation will never contact you randomly to ask for your PIN, full password or to move money to another account as part of an investigation.
Don't give out personal or financial details unless it is to use a service that you have signed up to, and you're sure that the request for your information is directly related.