When you use your bank account you need to stay safe and secure.
Learn how to spot a scam, what to do if you are contacted unexpectedly, and get advice on how to stay safe.
Fraudsters can phone people and pretend to be from Bank of Scotland, the police, or other well-known companies. Scam calls can sound real and professional. But stop and think – is this call genuine?
If you get a cold call then you can stay safe by:
Remember, if you’re not sure about a call hang up the phone.
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 Internet 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.