New scam code
You need to be careful when you make a payment online.
Fraudsters can pretend to be someone you trust or offer things like fake goods to try to scam you.
We’ll do as much as we can to protect you and reduce scams while you make genuine payments.
To stay safe online, you should follow the code of conduct below. This code will help to protect you from scams and give you the chance of a refund.
Tips to stay safe from scams
Our security systems help us to fight fraud. We can use them to warn you about a scam before you make a payment and when you:
- Set up a new payee.
- Amend an existing payee.
If you get a warning, make sure you take suitable action to protect your payment.
We may not refund your money if you ignore a warning and fail to act.
Before you make a payment, you need to double-check all the details to make sure:
- you pay the right person or company
- that any services or goods you want to buy are genuine, and/or
- payments to invest are with a genuine company.
Don't rely on an email, text message or a caller ringing you to give the correct name, account number and sort code.
To double-check, call back on a number you know is theirs, not one that is given to you.
By doing this, you’ll help to protect yourself from scams and your right to a refund.
If you run a small firm or a charity, then you should have measures in place for when you approve a payment.
Use these at all times as they can help you to avoid a scam.
If you don’t use them and fall victim to a scam, we may not refund your money.
You can get straight forward, impartial advice on how to avoid scams from Take Five.
You can report a crime or get general advice from Action Fraud. They help banks and other companies combat fraud.
They offer advice on how to keep yourself and your devices safe from fraud.
UK Finance is there to support customers and to help make sure it's safe to bank.
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.
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.
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.
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.
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.