Whether you’re chatting with friends, shopping online or managing your bank account, it’s important that you keep yourself safe and secure online.
Learn how to spot a scam, what to do if you are contacted unexpectedly, plus advice and tips on how to stay safe online.
I don’t recognise a payment on my account
I’ve received a suspicious call
I’ve received a strange email or text from Bank of Scotland
Banking should always be as safe as possible. We use the latest online security measures to protect your money and your data online but there are also things you must do to prevent fraud.
We use cutting-edge technologies to make sure you’re safe. These include:
|Money has fraudulently left your Bank of Scotland account or someone knows your Internet Banking password||For any other issues that you think may be related to fraud
Report it to Action Fraud0300 123 2040
Lines are open Monday to Friday 9am-6pm. Text phone users can ring 0300 123 2050.
They’ll be able to log the incident and provide you with a Crime Reference number if needed. Action Fraud collect data from across the UK to help banks and other businesses combat fraud.
If you receive an email or text message that looks like it’s from Bank of Scotland but makes you suspicious, forward the email or send a screenshot of the text message to email@example.com
Our online fraud guarantee
We guarantee to refund your money (including charges and interest that you’ve paid or not received as a result) in the unlikely event that you experience fraud with our Internet Banking service. We will take steps to protect you 24/7, using technology and safeguards that meet or exceed industry standards, but you must also use our online banking services carefully.
Being careful when you use our services includes, for example, that you:
If you've been grossly negligent, we will not refund any money taken from your account before you have told us your Security Details have been lost, stolen or could be misused.
We won't give you a refund if you have acted fraudulently.
For further guidance on using our online banking services - see our Internet Banking terms and conditions.