Identity fraud

What we are doing to help beat the fraudsters

At Bank of Scotland we are serious in our efforts to combat identity fraud, that's why we're making sure that our colleagues have access to financial crime awareness material through leaflets, DVDs, road shows and online courses.

We also use automated fraud detection systems to assist us. These systems highlight any unusual spending patterns on an account and checks are then made to ensure purchases are valid.

As part of our fraud detection services, we may call customers if unusual transactions appear on their accounts (calls may use automated speech).

Our online banking service uses a range of tools to monitor customers accounts and to highlight any unusual, potentially fraudulent activity. When anything unusual is spotted on the account it can be blocked immediately.

Visit our security centre to find out about our full range of tools designed to keep you safe online.

Help is at hand

Remember – if something seems suspicious it's possibly fraudulent. By taking extra care of your personal information, you can really help reduce the risk of identity fraud. And if it does happen to you, rest assured, there’s plenty of help and advice – you’re not alone.

If you think your identity may have been stolen, don’t panic. Here’s what to do:

  • Call us on 08457 21 31 41 if you’re concerned your Bank of Scotland bank account may have been compromised.
  • Contact any other banks or credit card companies you use to cancel your cards and accounts.
  • Check your credit status by contacting one of the three credit reference agencies:
  • Experian
    www.experian.co.uk
    0844 481 8000
    PO Box 9000, Nottingham NG80 7WP
  • Equifax
    www.equifax.co.uk
    PO Box 1140, Bradford BD1 5US
  • CallCredit 
    www.callcredit.co.uk
    0870 060 1414
    PO Box 491, Leeds LS3 1WZ
  • Contact CIFAS, the UK's Fraud Prevention Service, to register for Protective Registration for protection against further attacks.
  • Contact creditors, banks, phone companies and utility providers, and keep a record of all communications.
  • Contact your local police and report the crime to get a reference number.