Keep yourself safe from banking fraud

When you use your bank account, bank card or chequebook in a shop, cashpoint or online, you need to make sure you keep your information safe. By following a few simple steps you can reduce the risk of being a victim of fraud.

Keep your bank details safe

  • Don’t allow anyone else to use your bank card, PIN or other information
  • Take steps to keep your card safe and your PIN and other security information secret
  • Memorise your PIN when you receive it and destroy the notification as soon as possible. Do not write it down.
  • Remember your bank or building society will never ask you for your PIN number
  • Contact your bank or building society if you do not receive your bank statement when you expect to receive it.

Tell your bank or building society as soon as possible if you lose or have your account card stolen or if you think someone else has used, or tried to use your account or card.

Keeping your online account safe

Banks expect you to take reasonable steps to keep you online accounts secure, such as following these steps:

  • Do not follow a link in an email to a bank site; always type the address into the web browser or used a trusted search engine to find your bank or building society’s website
  • Keep your username, password, passcode and / or security number secure and do not let anyone else make use of your security details, even if they share a joint account with you, as they will have their own security details
  • Do not let anyone watch you enter your security details and log off after each Online Banking session
  • Carry out regular virus checks on your devices and have the latest operating system and web browser installed.
  • Keep your devices secure by having a login password.

Other ways to reduce the risk of fraud

  • Keep your valuable documents such as passports and drivers licences in a safe and secure place.
  • Check online before buying from a website you’ve never bought from before. Look for any evidence of problems with other customers.
  • Shred any unwanted documents that includes personal information such as your name, address, date of birth, passwords, PINs and financial information.
  • Check your bank statement every month. If you do not recognise certain transactions, then ensure that you report it to your bank immediately.