Bank safely

When you use your bank account you need to stay safe and secure. Learn how to spot a scam, what to do if you’re contacted unexpectedly, and advice on how to stay safe.

Scam Text and Email Messages

Below you can find out how to protect yourself by spotting both a scam text and email message from a real one.

What to look out for:

  • They want financial or personal information - Bank of Scotland or a genuine company would never message you for banking or personal details.
  • Unexpected sender - If you don’t know who sent a text or email message then it could be a scam.
  • You need to act now - A genuine text or email message will be written in a reasonable and calm way. Scams may use warning messages, threats of fraud or problems with your account.
  • How a text greets you - A Bank of Scotland text will include part of your name, account number or post code.
  • How an email greets you - A Bank of Scotland email will always greet you by title and surname, as in Dear Mrs Smith. We always include part of your postcode.
  • Spelling mistakes - Scam texts and emails often look odd, with a messy layout and spelling mistakes.
  • The email address - All our email addresses end with There should never be another word in between bankofscotland and This is a genuine email: This is a scam email:
  • You’re asked to move your money - We will never text or email you to make a test payment online or to move money to a new sort code and account number. We will never ask you to move money to a secure, safe or holding account.
  • Invoice scams - People can hack into emails and change payment details on an invoice. Double check payment details before you pay an invoice. If you pay the wrong account, there’s a good chance you’ll lose your money.

What you can do:

If you get a message that seems odd, you should follow these steps:

  • Do not reply - Even if you think you know the sender, don’t reply to a text or email message if it seems odd.
  • Do not open any links or attachments - Scam texts and emails can put a virus on your phone or computer.
  • Call the company - If you’re not sure, phone the company on a number you trust or visit their website by typing their web address directly into the address bar at the top of your screen.
  • Double check before you pay - If you need to pay for a job or service, it’s a good idea to confirm the payment details first. Call the person or business on a number you trust, not one from an invoice.
  • Call us to make sure it’s genuine - Use the number on the back of your bank card and we can help to check the text or email message.
  • Forward the message to our fraud team - Please forward any scam emails to us at
  • Forward the message to your network provider - You can use 7726 to report the scam text for free to your network provider.

Remember, if you’re not sure about an email or text message – do not reply and delete it.

Next topic: Protect your passwords

Previous topic: Scam calls

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 a so-called secure, safe or holding account.
  • Move your money or ask you to transfer funds to a new sort code and account number.

Think you've been a victim of fraud?

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

Contact us nowif you think you're a victim of fraud.