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Banking and card fraud

Protecting your card details is vital.

Card scams involve the use of stolen or counterfeit cards to make direct purchases or cash withdrawals or the use of stolen card details to buy items over the phone or via the Internet.

Telephone scams

Your bank and the police will NEVER ring you and tell you to verify your PIN, withdraw your cash, purchase high value goods or that they are coming to your home to collect these items, so never hand it over to anyone who comes to collect it. Should you receive a call like this put the phone down. THIS IS A SCAM.

If you receive a call from your bank or the police, verify who the person is before handing over any personal details. You can do this by calling your bank (the number on the back of your card) or the police (101) on a DIFFERENT phone line. This can be a mobile phone or a phone owned by your family, friend’s or a neighbour. If no other phone is available, wait AT LEAST 5 minutes to ensure your line is clear to make the phone call. This is because currently, scammers are able to keep phone lines open. Whilst you think you are making a new phone call, the line is still open to the scammer who pretends to be a different person from your bank or the police. For further details, please visit our identity fraud page.

Depending on who you bank with, the security questions asked by the bank may vary (e.g. the last 4 digits of your account number or digits of your password) but your bank will NEVER ask you to authorise anything by entering your PIN into the telephone.

Cash machines (ATMs)

NEVER share your PIN with anyone.

If there is anything unusual about the cash machine or there are signs of tampering, do not use it and report it to the bank as soon as possible.

Cover your PIN. Stand close to the machine and always use your free hand and body to shield the keypad as you enter your PIN to prevent any prying eyes or hidden cameras seeing your PIN.

Do not get distracted. Be particularly cautious if ‘well-meaning’ strangers try to distract you or offer to help you and most importantly, discreetly put your money and card away before leaving the cash machine.

Fraudsters sometimes fit devices to cash machines that trap your card, which they then retrieve as soon as you have left the area. If your card is retained by the machine for any reason, report it to your card company immediately, ideally using your mobile phone while you are still in front of the machine. Make sure you have your card company’s 24 hour contact number stored in your mobile phone.

If you spot anything unusual about the cash machine, or there are signs of tampering, do not use it. Report it to the bank concerned immediately.

Once you have completed a transaction put your money and card away before leaving the cash machine. Destroy or preferably shred your cash machine receipts, mini-statements or balance enquiries when you dispose of them.

Banking

Check your statements regularly, including low value transactions. Notify your card company immediately if you suspect a fraud. Dispose of statements or slips which contain your card details carefully and securely by shredding or tearing your documents. This includes your cash machine receipts, mini statements or balance enquiries.

If you have to destroy your bank card then make sure you cut through the card including the chip. You can also use a shredder to destroy them.