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Common types of fraud and scams

When it comes to emails, texts and phone calls, it’s not always easy to spot the scammers. Stay one step ahead with our useful guides:

We'll never ask you to:

  • tell us your card’s 4-digit PIN
  • share your online banking password, Secure Key codes, or one-time passcodes sent to your phone
  • transfer money anywhere, including to a 'safe' account
  • send us your card, cheque book or cash
  • check the number we're calling from is genuine by looking it up on the Internet.

When you're contacted by phone, email or text:

  • stop – be suspicious. Taking a moment before parting with your money or information could keep you safe
  • challenge – could it be fake? It's OK to reject, refuse or ignore any requests. Only criminals will try to rush or panic you
  • protect - ask someone you trust, such as a friend or family member. Don't call numbers in messages or emails - contact the company directly or go to the official website or app.

Email scams

How to spot fake messages and reduce the risk of inbox scams.

Email scams (Phishing) >

Intercepted email scams - Payment requests >

Phone and text scams

Fake calls and texts can catch you out, and leave your money unprotected.

Phone scams >

Text scams >

Online scams

Learn about dating scams and how shopping online can put you at risk.

Online dating scams >

Online shopping scams >

The latest scams

Criminals are always looking for new ways to get hold of your personal details and banking passwords, via emails, texts and phone calls.

Learn about the latest scams

Our guide to fraud and scams

Learn about some of the common types of fraud and scams and how to avoid them.

Read our Fraud Guide