Email scams, also known as phishing scams, are when a fraudster uses email to try and trick you into sharing information, make a payment, or click a link. These emails are increasingly sophisticated and often appear to have been sent from a legitimate address.
If you're ever asked in an email to click a link, share information, make a payment or do anything unusual or out of the ordinary, forward the email to email@example.com and don't respond.
Phone scams, also known as vishing, are when a fraudster attempts to trick you into sharing information or making a payment over the phone. Fraudsters sometimes 'spoof' a legitimate phone number, so it appears they're calling from your bank.
We'll never ask you to reveal sensitive information like your PIN or account details, or ask you to make a payment or move money over the phone. If someone asks you to do any of these things, hang up and report the scam to us.
Current account customers
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Credit card customers
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Always stop and think - is this a genuine call? Take Five to stop fraud.
Malicious software can help criminals access your drive and steal your money. Fraudsters may attempt to trick you into downloading this software by posing as a representative of an organisation like your bank, HMRC or the Police, typically by calling or texting.
They usually use coercive language, like claiming there has been suspicious activity on your account or that they need help with an investigation.
You should only install software from a source you trust and never download anything at the request of a stranger.
Online dating scams, also called romance fraud scams, are when a fraudster forms a relationship with their target. They often do it through dating apps and social media using a fake identity.
Once they've established a relationship, the fraudster manipulates their target and may be able to trick them into sharing sensitive information, sending money or giving them access to their bank accounts.
Online dating scams can be very convincing. Always be cautious when communicating online with people you don't know and never share sensitive information, provide access to your bank accounts, or send money to someone who has approached you online.
Investment scams or get rich quick scams happen when fraudsters pose as pushy salespeople and trick you into putting your money into a fake investment.
Out of the blue contact - Whether it's a phone call, email, text, social media message or on your doorstep, if the offer is unexpected it's likely to be a scam.
Tempting returns - If you're becoming enticed by a fantastic deal, 'guaranteed' to soar in value or make you money quickly, remember - if it sounds too good to be true, it probably is.
Risks played down - If there is no or little mention of the risks involved in the investment or they are quickly brushed over, be extremely cautious.
Repeated calls and pressurised to act fast - If you find yourself being continually contacted, pushed into making a rushed decision to part with your money or you're finding it difficult to end the conversation, then always STOP and THINK. Don't be afraid to put the phone down.
Recovery scams - If you've previously fallen victim to a scam, your details may be passed on or sold to other fraudsters. If you're contacted and offered help to recover your lost money and it involves you paying an upfront fee or investing more money then STOP - It's highly likely to be another scam.
If you are considering an investment, do as much research as possible before parting with any money.
If you think you may have fallen for a fraud scam or suspect that you are being offered a fraudulent investment please contact us immediately.
Out of the blue contact - No legitimate pension or investment firm will ever cold call you. If you receive an unsolicited approach, whether it's by phone, email, text or at your door step - it's likely to be a scam.
Phrases such as 'free pension review', 'retirement planning', 'government endorsed', 'cash bonus' or 'one off investment opportunity' - If you're suddenly contacted and these terms are used, hang up.
Access to your pension before the age of 55 - this may not only lead to you losing money because of a bogus investment but huge tax implications too.
Pushed to act fast - If you find you're being hurried into transferring your pension funds, making a quick decision or persistently being contacted, no matter how professional or convincing the individual or company seem always stop and think.
Tempting returns - If you're becoming enticed by a fantastic deal remember - if it sounds too good to be true, it probably is.
If you're considering releasing your pension savings or moving it to an investment, do not go ahead until you are 100% certain that your money will be safe. Protect yourself by:
If you bank with us and think you may have fallen for a fraud scam please contact us.
Invoice re-direction scams can result in losses that run into hundreds of thousands of pounds. It happens when a fraudster tricks a business into changing bank account payee details for a known supplier.
All businesses, regardless of size, can become a victim of fraud. To protect your business from this threat always verify a request to change bank payment details. Contact your supplier directly using established contact details, before implementing the change or completing the payment.
If you hold a business account with us and think you may have fallen victim to an invoice redirection scam contact us immediately.
Fraudsters will do their research. They will often be aware of the detailed relationships between businesses and their suppliers and know when regular payments are due.
Fraudsters may attempt to intercept genuine invoices and change the bank payment details.
Alternatively, they may contact the business by telephone, email, letter or fax, posing as a trusted supplier to make a formal request to change the bank account payment details held.
If the business does not validate the change and settles the invoice, the funds go to an account that the fraudster has access to.
The fraudulent payment is then quickly transferred, often to outside of the UK, making the recovery of funds extremely difficult.
Often the business does not realise they have been scammed until the genuine supplier chases for non-payment, in some cases this can be weeks or even months later. At this point, it is virtually impossible for the business to get the stolen funds back.
Alternative reports of this scam have included fraudsters falsely claiming to be a senior member of a business, providing account details and instructing an urgent payment to be processed. If the business completes the request, the funds go to an account the fraudster has access to.
Any unexpected requests to change or update payment details for a regular supplier.
Whether made by telephone, email, letter, or fax, if your business is contacted ‘out of the blue’ to amend bank payee details always treat this as a potential warning sign.
Any unexpected, urgent payment requests made via email, text or fax, which supposedly appear to have been made by an internal senior member and provides account details.
If you hold a business account with us and have fallen for an invoice re-direction scam recently or may have received a fraudulent request, contact us immediately.
If you don’t bank with us and have lost money to an invoice re-direction scam report it to Action Fraud, the UK’s national fraud reporting centre at www.actionfraud.police.ukor by calling 0300 123 20 40. Call charges
Fraudsters will say that you have been mis-sold Payment Protection Insurance (PPI) and you are owed money. They will tell you that you must make a payment for the funds to be released. This is a scam.
Fraudsters will contact you under the guise of working for authorised claim companies in an attempt to make their approach seem credible and genuine. They may also claim to be from the Financial Conduct Authority, the Claims Management Regulator or Ministry of Justice.
They will inform you that you are owed a refund from the mis-selling of PPI. Fraudsters will then ask you to make a payment to them so that you can access the money. The payment tends to be about 10% of the amount they claim you are owed.
Scammers will request that payments are made using unusual means; this could include a Ukash voucher, iTunes gift cards or a Paysafecard. These means are used so that the money transfer cannot be traced.
If you make a payment, fraudsters will often contact you again to request more funds to be transferred to release the owed payment.
Money mule scams are when a fraudster tricks you into receiving and sending money that is connected to crime. Fraudsters may contact you and offer you an opportunity to earn easy money from home or to make quick cash. They often target unemployed people, new arrivals to the country and people in financial hardship.
These scams are particularly dangerous because if you are conned into participating, you may be committing the crime and could face up to 14 years in jail.
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