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.

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. This can include asking you to reveal the codes we text to your mobile when you're logging in to the Internet Bank or shopping online.

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.

Tokenised fraud

This type of fraud occurs when your card details have been stolen & uploaded to a device’s payment app (i.e. Apple Pay) – this upload has to be approved by the Issuer & is referred to as tokenising the device – but once done, the tokenised device can then be used to make In-App and contactless In-Store purchases.

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.

Do you think you’ve been a victim of a scam?

If you suspect fraudsters might have access to your money, call us straight away.

Current account fraud enquiries

0800 30 20 11 (UK)
+44 1793 65 67 89 (Abroad)

Credit card fraud enquiries

0800 055 66 11 (UK)
+44 2476 43 89 97 (Abroad)

Report suspicious messages

Help us stop fraud. If you receive a text or email you're not sure about, forward it or send a screenshot 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.

Keep your personal information secure

Remember, protecting your devices makes it much harder for fraudsters to access your information


  • Shield your PIN when you're in shops and at an ATM. If an ATM retains your card, report it immediately.
  • Know who you're buying from before you give your card details. 
  • Check your balance and statements regularly and tell us if you spot anything suspicious.
  • Keep your contact details up to date.


  • 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.
  • 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.