-

Cash machine fraud

Fraudsters continue to find new ways to pull off this con, but the outcome is still the same – distracted at a cash machine, you lose sight of your card and your bank account is emptied before you realise.

How it could happen to you

  • You insert your card into a cash machine and enter your PIN. In the queue behind, a fraudster is looking over your shoulder
  • A ‘passer-by’ distracts you by pointing to a dropped wallet or money on the ground and asking if it’s yours
  • As you look away from the screen, an accomplice leans in to swipe your cash or card. If they take your card, they can use it with the PIN they’ve seen to take money from your account elsewhere
  • In another scenario, your card won’t eject from the cash machine a ‘passer-by’ offers to help. They suggest you try your PIN again – which you do – and they watch to see which numbers you enter
  • When your card still won’t come out, they suggest you go into the branch to ask for help. In your absence, they then eject your card and use it elsewhere

Stop. Challenge. Protect.

  • Always look closely at the slot on a cash machine. If it looks like it’s been tampered with, don’t use it and let the bank know
  • You never know who’s behind you at a cash machine, so make sure you always shield the keypad when entering your PIN
  • Never let anyone distract you at a cash machine. If you hear an ‘excuse me’ or ‘is this yours?’, stay focused and only respond when you’re finished
  • If your card won’t eject from the cash machine, call your bank or card issuer helpline while you’re still standing by the machine. Don’t walk off, accept help from a stranger or go into the bank to talk to staff – this can allow a fraudster to move in and steal your card

Identity fraud

Fraudsters steal personal information about you to impersonate you. They then take out loans and credit cards in your name, or withdraw cash from your bank account.

Remote access fraud

A persuasive phone caller might claim they’ve spotted a problem with your computer and offer to take remote control of it to fix it. They could even say they’re calling from a bank and need to help with a ‘problem with your account’.

Emails, text messages and calls

You receive an email, text message or call claiming to be from a well-known company or organisation, such as a bank or the police. 

You may also like…

A young woman writes notes as she takes a phone call at a table in a café

How to report fraud

Think you’ve been a victim?

Get in touch with us right away if you think you’ve seen suspicious activity on your account. Here you’ll find the numbers you need, the next steps to take and what we’ll do to help. 

A woman climbs up an indoor climbing wall

Take control of your personal data

Stay safe online

Discover ways to help keep control over your personal data online.

Digitally safe quiz

How digitally safe are you?

Would you recognise a fake caller, spot a phishing email or know when a fraudster is trying to take control of your computer? Take our interactive challenge to find out.

 A logo of a hand that says Take five to stop fraud

Take Five to stop fraud

National awareness campaign

Take Five is led by UK Finance and backed by the Government and other organisations. If you receive a phone call, text or email you think might be fake, it urges you to stop – take five – and challenge what you’re told.

Master your Moneyverse

…and make money work for you

We’ve all got our own personal relationship with money – the way we spend it, save it, (try to) look after it and use it to help reach our goals and shape our dreams. This is your Moneyverse. It’s as unique as you are and we can help you become its master.