Card fraud

Card fraud involves criminals stealing cards, card details online, or from ATM machines to access and use your money.

Our fraud detection systems work 24/7 looking for suspicious transactions on your accounts. We try to stop them before they affect you.

If we spot something suspicious, we'll put a block on your card and send you a fraud alert message by text or automated voice call. It's a quick and easy process to either confirm the fraud or remove the block from your card.

Make it difficult for criminals to get hold of your personal information.

To help you protect yourself against card fraud, we've listed some of the most common types. Call us straight away if you think you've been a victim of card fraud.

Someone uses your card details to make purchases without having your card.

To get your card details, they may try to:

• Get them when you use your card online.
• Steal them at an ATM
• Persuade you to give them using a phishing email or telephone scam.

Someone steals your card details using a skimming device at an ATM or shop. They use them to create a fake card. This is often used to make cash withdrawals and purchases in countries where Chip and PIN isn't used.

When your debit or credit card is used to make cash withdrawals and purchases. In some cases, criminals use techniques like shoulder surfing to get your PIN before stealing your card.

Fraudsters use your card details in a mobile app, like Apple Pay, Google Pay and Samsung Pay. Your bank or building society still has to approve adding the card to the app (tokenising). But if the fraudsters get approval, they can use the phone to make in-app purchases and make contactless payments.

There are many ways fraudsters try to steal cards and their details at ATMs. We've described some so you can take steps to avoid them happening to you.

Someone watches you entering your PIN at an ATM or in a shop, before stealing your card. They often use distraction techniques or pickpocketing.

Skimming uses a device and camera attached to an ATM. These record the details from the magnetic stripe of your card and your PIN as you enter it.

They create a fake card using your details and use it to make cash withdrawals and purchases.

These devices look like part of the ATM. They capture and keep your card. Criminals may try to trick you into re-entering your PIN while they watch. They remove the device and your card when you leave.