Would you give a stranger your house keys or your wallet? Probably not, because you don’t know them. It’s the same on the phone – you can’t be sure who you are talking to.
Fraudsters phone people pretending to be Bank of Scotland, the police, or companies such as BT, Microsoft or TalkTalk. They do it to get you to send money, let them access your bank account or take control of your device to steal your personal data. Stop and think – is this call genuine?
Telephone fraudsters sound convincing and professional. Here are a few tips on how you can protect yourself and tell a genuine phone call from a scam.
If the call is unexpected, then they might not be who they say they are. If you’re not sure, say you’ll call back. Always use a trusted number (not the number the caller is using or asks you to use, and don’t assume a caller is from Bank of Scotland even if your caller ID says that it is. For Bank of Scotland, use the number on the back of your card. If the caller says they are from the Police you can call back on 101.
Fraudsters want to create a sense of urgency to force you to make quick decisions. The scammer might also ask you to “keep it quiet” and not tell anyone about the call. Don’t trust anyone trying to silence you or hurry you up.
Never transfer money if a caller says you must do this for “security purposes” to a “safe/secure/holding account”. Fraudsters might also say they’re from Bank of Scotland telling you that you are due a refund, or that you must complete a test transaction. We’ll never ask you to do this so hang up the phone!
It’s very rare for the Police or Scotland Yard to call people unexpectedly. If they do, they’ll never ask you to move your money. And they’ll always follow up with a visit from a Police Officer with photo ID and a warrant number.
The Police will never ask you to transfer money to a new account, and neither will we.
If an unexpected caller claims there is something wrong with your computer or asks you to download something, this is almost certainly a con. The caller might claim to be from a broadband provider or trusted software company (even the one you use). But unless you asked for this phone call, it is likely to be a fraud.
If a caller asks you to log in to your computer, tell them you’ll make your own arrangements and hang up. Never tell a caller what you can see on your screen or allow anyone remote access (control of your machine) unless it's a company that you called first. Be very wary if the caller claims they have accidentally sent you money and ask you to send it back. If in doubt, put the phone down.
Always make sure the explanation is the one you’re expecting.
Telephone Authentication is the recorded call where you’re asked to enter 4 digits from your computer screen to complete an Internet Banking action such as payment to a new beneficiary, new products or registrations.
If someone tells you to ignore this explanation (for instance, if they say it's just a test transaction), or if you don’t recognise the action described in the automated call, then you are speaking to a fraudster.
You will never be asked to complete this call to receive money into your account.
This where you have chosen log into your Bank of Scotland Mobile Banking App to authorise an action you’ve made on your computer or tablet such as payment to a new beneficiary, new products or registrations.
Read the explanation on screen carefully. If someone tells you to ignore this (for instance, if they say it's just a test transaction), or if you have not yourself requested the above actions, then you are speaking to a fraudster.
If we suspect fraudulent activity on your account we may contact you via telephone to confirm that you carried out the activity. We will confirm your identity by asking you to confirm questions from your credit file / details from your passport or driving licence. We will never ask you for your login details.
|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 us
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.