Card fraud

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

Current account fraud

  • 0800 464 3051 (UK)
  • + 44 1793 65 67 89 (abroad)

Credit card fraud

  • 0800 055 6611 (UK)
  • +44 2476 43 89 97 (abroad)

Types of card fraud

Card fraud online, over the phone or by mail order

This type of fraud occurs when a fraudster uses your personal card details to make purchases without the card being present. This may be online, over the phone or by mail order.

Your details may have been compromised electronically, or fraudsters may attempt to persuade you to disclose them via a phishing email or telephone scam.

Counterfeit card fraud

This type of fraud occurs when a fake card is created using compromised card details. This card is then used to make ATM withdrawals or shop purchases where Chip & PIN is not used. Often these fraudulent transactions take place overseas.

Your details may have been compromised by a skimming device at an ATM or at a shop.

Lost and stolen card fraud

This is where your genuine card is used to make purchases. In some cases, fraudsters will use techniques such as shoulder surfing to observe your PIN.

ATM fraud

Fraudsters can attempt to steal cards or card details by using the following methods: 

Shoulder surfing

Shoulder surfing is the term used when the fraudster observes you entering your PIN at an ATM or in a shop. The fraudster will then steal your card by using distraction techniques or pick pocketing.

Skimming from the magnetic strip

Skimming is the term used when a fraudster attaches a device to an ATM to record the electronic details from the magnetic stripe of your card. A miniature camera is placed to overlook the PIN pad to capture you entering your PIN. The fraudster can then use the details to produce a fake magnetic stripe card which is then used with your PIN, usually to make ATM withdrawals overseas where Chip and PIN protection is not used.

Card trapping devices

This type of fraud occurs when a fraudster uses a device at the ATM to capture your card. When you use the ATM, your card is retained and the fraudster may trick you into re-entering your PIN while they watch. When your card is not returned, you believe the machine has retained your card and leave to make enquiries. The fraudster then removes the device and your card from the ATM and can use the card to make purchases.

Security tips

Shops and ATMs

Shield your PIN when you're in shops and at an ATM, never lose sight of it. If an ATM retains your card, report it immediately.

PIN and card details

Don't choose personal details as your PIN and never write it down. You shouldn't share your PIN with anyone, even your bank or building society. Keep your card safe at all times.

Phone and Internet

Know who you're buying from before you give your card details. Never type your PIN into the handset during a phone call.

Keep us up to date

Check your balance and statements regularly and tell us if you spot anything suspicious. Keep your contact details up to date.

Going abroad

Notify us you're going on holiday. Current account and credit card customers can use our online travel notification service. Always try to use modern ATMs owned by reputable companies. Avoid free standing ATMS. Make sure you have our 24hour telephone number for emergencies.

ATM Safety

Don't use an ATM you're suspicious of and never attempt to remove any suspect device from an ATM. If you're in doubt, tell the branch or police immediately, if the branch is closed.

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