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Card fraud

Current account cards from Barclays

Protecting your cards

Want to know how you can protect yourself from credit and debit card fraud? Here are some of the most common scams and how you can avoid them.

If you think you've fallen victim to fraud on your Barclays cards, call us straight away 1  – we've listed the numbers you'll need at the bottom of the page.

Lost and stolen card fraud

This occurs when a lost or stolen card is used by a fraudster posing as you. Most lost and stolen card fraud occurs before you report the loss.

To protect yourself:

  • Report any lost or stolen cards immediately
  • Use chip and PIN cards where possible
  • Only carry the cards you need
  • Avoid placing cards in your pockets, where they can easily fall out
  • Make sure that your cards fit snugly inside your wallet or purse
  • Take precautions to avoid your card being stolen – for example, don’t leave your handbag unattended or carry your wallet in your back pocket

Counterfeit card fraud or skimming

A counterfeit card can be a fake card or a valid one that’s been altered or recoded.

Most cases involve skimming, when the data on your card’s magnetic strip is electronically copied on to another card without your knowledge.

Skimming commonly occurs at retail outlets – particularly bars, restaurants and petrol stations – and at cash machines that have been illegally fitted with a skimming device. The stolen data is then used to create counterfeit cards.

Most people are unaware that they’ve fallen victim to this fraud until their statements arrive. If you believe a Barclays cash machine has been tampered with, call 0845 755 5555 2.

To protect yourself:

  • Don’t leave your card with bar or restaurant staff for long periods
  • Don’t let retail staff take your card away to process payments
  • Check cash machines for signs of tampering before you use them

Card-not-present fraud

This is the most common type of card fraud in the UK. It occurs when fraudsters steal your card details and use them to buy things over the internet or by phone, fax or mail. Always be aware of who you are dealing with.

To protect yourself:

  • Avoid entering your card details on shared or public computers
  • Always remember to log out of any websites where you’ve entered your card details
  • Only enter your card details on secure sites (ie, those whose web address begins with ‘https’ and have a padlock in the browser window)
  • Keep a close eye on your statements and report any fraudulent transactions immediately

 

Mail non-receipt card fraud

This fraud occurs when you order a new card and it’s stolen on the way to you. You’re at particular risk of this fraud if you live in a property with a communal letterbox, such as a block of flats or a student residence hall.

To protect yourself:

  • Find out how long it will take for any new cards to be mailed out to you and contact your card provider straight away if they don't arrive on time

Identity theft on cards

This occurs when a fraudster uses your personal information to open or access card accounts in your name. There are two types:

  • Application fraud happens when stolen or fake identification documents are used to open an account in your name
  • Account takeover occurs when fraudsters use your personal information to pose as you and convince your bank to make payments from your accounts, order new cards and so on

To protect yourself:

  • Shred bills, bank statements and other documents containing your personal details before disposing of them
  • If you use social networking sites, display as little personal data on your page as possible
  • If you suspect your mail is being stolen, contact the Royal Mail Customer Enquiry Line on 0845 774 0740 to check if a mail redirection order has been made in your name without your knowledge
  • If you move house, ask Royal Mail to redirect your mail and advise the companies that you do business with immediately
  • Check your personal credit file regularly using a credit reference agency such as:
    Callcredit
    Equifax  
    Experian   3

More information about card fraud

Whether you’re going overseas for business or a holiday, using your debit card is one of the most convenient and flexible ways to pay.

Our fraud detection systems are constantly verifying transactions to ensure your security when you use your debit card abroad. This means you can have peace of mind that your card is protected from unauthorised use and you don't need to let us know before you travel. 
 
If we think a payment could be high risk, it may be declined so that we can get in touch to check it’s genuine.

To help us provide you with the best service, please keep your contact details (including mobile number) up to date, so we can get in touch with you if we need to.

If you have any difficulties using your card abroad, you should contact us on the telephone number provided on the back of your debit card, on your statement or online.

See details of the charges that apply when you use your debit card abroad.
 

Financial Fraud Action UK   contains useful information about card fraud for consumers and businesses 3.

Be Card Smart Online   is packed with tips for protecting yourself against online card fraud and is specifically designed for online shoppers 3.

The identity theft website developed by the government, Metropolitan Police and various industry bodies contains detailed information about identity theft and how you can avoid it.

What if I've been the victim of fraud on my Barclays cards?

You should call us immediately on the following numbers 1

  • 0844 811 9111 if you need to dispute a transaction on your Barclaycard
  • 0345 945 4545 if you need to dispute a transaction on your debit card
  • 0345 945 4545 if your card has been lost or stolen

If you think you've received a fraudulent phone call from someone claiming to be from the Barclaycard Fraud Team, call us on 0844 811 9111 1 and ask to speak to the Fraud Department.

Important information
 
1. Open 24 hours a day, seven days a week. To maintain a quality service we may monitor or record phone calls. Call charges

 

2. To maintain a quality service, we may monitor or record phone calls. Call charges

 

3. All of the external sites you can reach through the Barclays website are here to help you. However, we must tell you that we accept no responsibility or liability for the content, accuracy or availability of any external site you may encounter.

Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at www.lendingstandardsboard.org.uk. Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078).

Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. ‘The Woolwich’ and ‘Woolwich’ are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.


 

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