You're backed by an online banking promise

If you lose money as a result of fraud through our online banking service, we’ll put the money back in your account immediately. This means that you won’t lose a penny if we find that you have been the victim of fraud.

Paul Cooper, Head of Online Banking

If you lose money as a result of fraud through our online banking service, we’ll put the money back in your account immediately providing that:

1. You have not given to someone else your memorable data or passnumber that you use to access our online banking service
2. You have complied with the security data obligations contained within our online banking terms and conditions
3. You have provided correct payment instructions
4. You did not authorise the transaction
5. The fraud has not occurred as a result of you using an account aggregation service that consolidates information from each of your financial accounts into one place such as a single website.