Criminals are tricking people into sharing personal and financial information through cold calls, emails and texts.

We recognise that we can only beat the criminals by working together and giving you the awareness you need to prevent you falling victim.

Watch out for:

  • Cold calls from criminals pretending to be from Nationwide or other respectable organisations. Nationwide will never ask you to disclose your card reader codes or one time codes over the phone. And we’ll never ask you to move money to a ‘safe account’.
  • Emails and texts that ask you to click on a link to log in or update information. We’ll never ask you to update your details, or log into the Internet Bank, directly from a link in an email or text.

Contact details

Check we've got your correct contact details, so we can reach you if we notice unusual activity on your accounts.

If a criminal convinces you to make a bank transfer, it can be difficult or impossible to recover your money.

Stop. Challenge. Protect

We're proud to be supporting the industry fraud awareness campaign Take Five, which encourages you to perfect the art of saying NO to fraudsters by taking five minutes to Stop, Challenge, Protect.

Criminals are experts at impersonating people, organisations and the police so it can be difficult to spot scam texts, emails and phone calls. However there are things we can all do to protect ourselves.

Always remember to challenge if someone contacts you asking for your personal or financial information – be direct and say NO. Saying NO can feel uncomfortable but it’s ok to reject, refuse or ignore requests. Only criminals will try to rush or panic you.

Latest scams

Money mule scams

You might see what looks like a genuine advert online, in an email or on social media, offering you a chance to earn easy cash by moving funds through your bank account.

If you respond to it, criminals will use you as a middle man known as a ‘money mule' to handle funds earned through criminal activity.

Don’t accept any job offers that ask you to do this. If you get involved, it could result in criminal prosecution, your account being frozen, and your information being shared with other banks as someone who cannot be trusted, which will make banking difficult for you.

Impersonation scams

Criminals may call you impersonating the police. They may claim they need your assistance with an ‘undercover investigation’. The aim of the scam is to scare you and trick you into parting with your money.

As it’s an ‘undercover investigation’, you’ll be told not to tell anyone especially Nationwide staff about the phone call. They’ll even tell you to lie to Nationwide staff if you get asked what the money is for.

This is one example of this scam and there are others.

Nationwide, the Police or any other genuine organisation will never ask you to:

  • provide your card and PIN
  • withdraw money
  • buy items on their behalf
  • move your money to a safe account.

Parcel delivery scams

Be vigilant of criminals looking to defraud you.

Criminals are posing as parcel delivery companies and urging you to pay a settlement fee before they deliver a parcel.

Before clicking any links or sharing personal information, be sure to contact the delivery provider directly using a known email or phone number to verify the request.

We're committed to helping you stay safe from fraud

Criminals plan carefully and use sophisticated methods to catch you off guard.

With the right information we can help you protect yourself and your money. Let's fight fraud. Together.

Remember, we'll never ask you to:

  • disclose security details, like your PIN, generated card reader code or one time code over the phone
  • log directly into the Internet Bank via a link in an email, text or social media message
  • transfer your money to a safe account
  • use, re-enable or re-sync your card reader over the phone
  • update your details directly from a link in an email or text

And we'll always:

  • include the last four digits of your card number if we email, text or message you querying a suspicious transaction on your card

How can you tell us?

Concerned you're a victim of fraud or a scam?

Call 0800 055 6622 (UK)


+44 1793 65 67 89 (Abroad)

Available 24 hours

Credit card fraud enquiries

Call 0800 055 6622 (UK)


+44 2476 43 89 97 (Abroad)

Available 24 hours

Report it

If you receive a suspicious text or email referring to Nationwide, forward the email or send a screenshot of the text to

Although we don't respond to every email, we review all messages sent to this mailbox and use this information to help stop financial crime.

To report a suspicious email from another organisation, forward it to

To report a suspicious text from another organisation, forward the text to 7726.

Learn more about how to avoid scams