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.

How it could happen to you

  • Fraudsters are always on the lookout for personal information – your name, date of birth, residential address, marital status, email address and, the ultimate prize, your bank account details
  • To get these, they can try to steal or intercept your post, trick you over the phone and hack your computer or social media account. If you’ve previously disclosed details to a fraudster, your information could also be sold on the black market
  • Once they have enough personal details to pass themselves off as you, they can apply for credit cards and loans, buy expensive goods and even withdraw cash – all in your name
  • You only discover the crime when companies start calling you asking for payment or debts to be repaid. Or you try to take out credit for your own genuine purposes and discover your rating has been badly damaged by the fraudsters

Stop. Challenge. Protect.

  • Check your bank balance regularly for unusual transactions. If there’s something you don’t recognise, call us
  • Keep a close eye on your credit rating and watch out for unexpected activity. If you start to get post from a company you don’t recognise, find out who sent it and why
  • Be suspicious of any unexpected phone calls, text messages, emails or social media posts claiming to be from your bank or other organisations ask for personal information
  • Never reveal your debit or credit card PIN, PINsentry codes, mobile activation codes, QR codes, one-time passcodes or Online Banking passcodes to anyone. If you’re unsure, contact the requester using a telephone number you know to be genuine. Don’t call a number they may have given you – it could be fake

Cash machine fraud

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

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. 

Card fraud

A fraudster gets access to your personal information or steals your credit or debit card details. This lets them spend with your card.

Return to fraud and scams homepage

Have you educated yourself enough on the different types of scams? Head back to the homepage.

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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. 

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Take control of your personal data

Stay safe online

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

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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.