Online fraud most commonly involves a customer being duped into giving away their internet banking login credentials and other confidential information via a phishing scam, or by their PC being infected with malware which is designed to steal the information. Fraudsters then use this information to move money from a customer’s account to a fraudulent beneficiary account or 'mule account'.
Phishing is a way of attempting to obtain your personal information in order to access your account fraudulently, for example through an email pretending to be from Nationwide (or another financial services institution).
If you receive a suspicious email asking you to confirm the details of your Nationwide account, please forward it to firstname.lastname@example.org
A 'Trojan' takes its name from the term 'Trojan Horse' in Greek mythology and is a type of computer virus that can be installed on your computer without you realising.
The fraudster will try to manipulate you into doing something in order to install the Trojan. Some of the more common methods used are:
Here are some FAQs which may help you protect yourself against phishing emails:
Fraudulent/phishing emails will often try to get you to update or confirm your account details in the subject field. Delete the email without responding.
Nationwide will never ask you to update any information by email.
If we send you an email providing details of our products and services, it will:
The only information a fraudster will have about you is your email address. They do not normally address you using your name. Instead they may use something like 'Dear Valued Customer'.
The email will include a link that you are asked to click on to go to the site. The site may look genuine but be assured it is not. The link in the email may be 'spoofed' to look like a genuine Nationwide email address, but if you hover over it you will see the real address. This is displayed in the status bar at the bottom of the window.
Never follow a link to our Online Bank, always access our Online Bank via our website address www.nationwide.co.uk.
Fraudulent emails are often written by people without a good grasp of the English language. There will often be spelling and grammatical errors.
There are many ways of disguising the true location of a fake website. for example:
Many of the links from these fake pages may actually go to the genuine website, but don't be fooled.
The best way to protect yourself is to install firewalls, anti-virus software, Trusteer Rapport and anti-spyware programmes and keep them up to date. In addition:
HM Revenue and Customs (HMRC) are warning taxpayers about fake emails.
The emails claim the recipients are entitled to a tax rebate, or that the HMRC are performing extra security checks. Fraudsters are targeting taxpayers with these fake 'phishing' emails in an attempt to get gain access to their personal/banking information.
HMRC will never send notifications of a tax rebate by email, or ask you to disclose personal or payment information. You should never disclose your personal and/or payment information in reply to an email that may look like it's from HMRC.
For more information and help regarding this issue please visit the HMRC site.
If you receive a suspicious email saying it’s come from Nationwide Building Society, you can forward it to us at email@example.com. We cannot reply to your email but we can investigate it and make sure any fraudulent websites are closed down.
If you have responded to an email you now think may be suspicious in some way you should:
You should also monitor your account activity for any suspicious transactions and contact us immediately on 08457 30 20 10 if you are concerned about your account details.
If you have opened an unknown attachment, you should run an anti-virus scan immediately to check you have not infected your machine with a virus or Trojan. If something is discovered you should follow the instructions given to you by the anti-virus supplier. You should also delete the attachment immediately.
We offer a security software called Trusteer Rapport. This works alongside your current anti-virus software and firewalls to give you comprehensive online protection.
Click here for more information and a link to download Trusteer Rapport.
Your Nationwide - Nationwide's anti-fraud videos show how fraudsters operate and how to protect yourself and your money.
Get Safe Online - A UK based campaign and national initiative to teach citizens about basic computer security and internet privacy.
Be Safe - This leaflet provides information on how to stay secure online.
To learn more, visit the UK banking industry's site Bank Safe Online.
Free download, Trusteer Rapport security software. It works alongside your current anti-virus software and firewalls to provide comprehensive online protection - blocking Trojans and preventing phishing attacks.
Read more about Trusteer Rapport and download