Scam calls

This is a common type of scam and can happen to anyone.

Did you know you can dial 159 to talk to us if you get a call and think it’s a scam. This is a new and safe way to get in touch with your bank.

 You can call from any major landline or mobile network.

A scam call is when a fraudster calls up and pretends to be us or someone else you may trust.

Fraudsters want you to move your money to another account - their account.

To do this, they’ll lie and say things like:

  • There’s a problem with your account or it’s at risk from fraud.
  • You're due a refund or have internet problems.
  • They need your help to catch criminals.
  • The bank is trying to steal your money or are issuing fake notes.
  • You owe money to HMRC.

They can copy our telephone number so it looks genuine on your caller ID. And they can even sound professional on a call.

Scam calls video

How to beat scam calls

Fraudsters use lots of tricks to try to get you to hand over money.

Pretending to be a bank is their favourite. But they may also pretend to be HMRC, the police, a well-known company or an organisation.

Only a fraudster would call to tell you to move money to another account.

If you get a call like this, hang up.

A scam call can’t work if you hang up the phone.

Tips to beat scam calls

  • If a caller tries to hurry you into making a quick decision, it’s a sign of a scam.

    Don’t rush. A genuine caller won’t mind if you take your time.

    Fraudsters may ask you to 'keep it quiet' and not tell anyone about the call.

    Never trust anyone who asks you to do this.

  • Unless you called for help, never download anything to your device for a phone call.

    Fraudsters use this trick to try to take control of your device to steal details and money.

    If you need to download a file or program, only use a trusted source.

  • You should never have to log in to your computer or Internet Banking for someone who calls out of the blue.

    We’ll never call to ask for your log in details.

  • Take Five

    You can get straight forward, impartial advice on how to avoid scams from Take Five.

    Action Fraud

    You can report a crime or get general advice from Action Fraud. They help banks and other companies combat fraud.

    Get Safe Online

    They offer advice on how to keep yourself and your devices safe from fraud.

    UK Finance

    UK Finance is there to support customers and to help make sure it's safe to bank.

    Prudential Regulation Authority (PRA)

    The PRA is part of the Bank of England. Their role is to make sure banks act safely and reduce the chance of them losing money.

    Financial Conduct Authority (FCA)

    The FCA is there to make sure banks work well so customers are protected and get a fair deal.


    CIFAS can help to protect your identity. They can stop fraudsters from using your details to apply for things in your name.

    Cyber Aware

    This is a government site that gives advice on how to stay safe online.


    This is part of the FCA site. You can use it to check on an investment or pension deals to help you avoid scams.

    Bank of Scotland does not control the content of any of the websites linked to on this page.

Think you’ve fallen for a scam?

You should contact us right away if you think you’ve been scammed. We can then guide you on what to do next.

Contact us now

Bank of Scotland will never ask you to:

  • Share your account details like user ID, password and memorable information.
  • Tell us your Personal Security Number (PSN) for Telephone Banking.
  • Tell us your PIN code or card expiry date.
  • Move money to another account.

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Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.