Card fraud

Cheque fraud

Identity fraud

Fraud & investment scams

Mobile Banking fraud

Online fraud

Online fraud

Online fraud is where you're tricked into giving away your Internet Banking log in details and other confidential information. The information is stolen via social engineering, phishing techniques or by infecting your PC with malware. The fraudster then uses this information to move money from your account to a fraudulent beneficiary account or 'mule account'.   

We've listed some of the most common types of online fraud to help you find out how you can protect yourself against them. If you believe you've been a victim of online fraud, call us immediately on 0800 464 3051.

Phishing emails

Phishing is a way of attempting to get your personal information and Internet Banking credentials in order to access your account fraudulently, for example through an email pretending to be from Nationwide (or another financial services institution).

What to do if you've been affected...

If you receive a suspicious email saying it’s come from Nationwide Building Society, you can forward it to us at

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 change your Internet Bank Log in details and run a full anti-virus scan

You should also monitor your account activity for any suspicious transactions and contact us immediately on 0800 30 20 11 if you are concerned about your account details.

Security tips

Vishing involves a fraudster making a phone call posing as an official caller from a credible organisation. 

They try and persuade victims to reveal financial and/or personal information so they can gain access to your bank accounts. 

The fraudster often tells the victim to hang up and dial the number on the back of their card to verify that the call is legitimate. When the victim hangs up, the fraudster will remain on the line so that when they redial they will go straight back through to the fraudster. 

They persuade victims to either use their card readers to authorise payments via the internet bank to the fraudster’s account or instruct the victim to log in to internet banking and transfer funds to a new account which they are told will safeguard their money or to hand over their bank cards and PINs to a courier.

Vishing (telephone scams)

Never reveal your bank details (e.g account number, PIN, card reader generated passcode) over the phone.  Fraudsters may instruct you to use your card reader, either to hand over passcodes or transfer money to a safe account, do not comply.  If asked to dial the number on the back of the card, use a different phone.

What is a trojan?

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.

Trojans can be capable of recording passwords and other personal details by capturing keystrokes or taking screenshots of sites you visit. This information is then sent to the fraudsters over the internet.

What can Trojans do?

Some Trojans will modify the screens you see whilst you are using internet banking and can even set up payments without you realising. Other Trojans may allow a fraudster to take remote control of your device or encrypt your files in order to extort a ransom payment. 

How do Trojans infect devices?

Fraudsters will often send out emails that try to trick you into following a website link, downloading a piece of software or opening an attachment which then installs a Trojan. These emails will appear to originate from legitimate sources such as financial institutions, online retailers or delivery companies.

What to do if you've been affected...

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 a 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. Find out more about Trusteer Rapport.

Security tips