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Stay safe from scams

4 useful tips to help you stay safe

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Our Digital and Mobile Security Promise

We put your safety and security first

Whether you’re banking online or using our Mobile Banking app, rest assured you are protected by our Secure Banking Promise.

1.We'll refund any money paid out of your account by a fraudster, as long as you’ve kept your security information secret

2.We'll protect you 24/7 by monitoring your account and using the latest technology to keep you safe

3.We'll help you protect yourself with tips on staying secure and free tools for extra protection

Remember to take sensible precautions

Keep your antivirus and firewall software up to date, and download and install the free Rapport security software.


Find out how to be protected by our promise

Be aware of today's scams




Criminals try to lure you into entering your details at a fake but genuine looking website. Fraudsters then use your details to access your accounts and steal your identity or money. Criminals can also use hyperlinks or attached files within phishing emails as a way to infect your computer or device with malicious software (malware).

Here's how to spot a phishing scam:

When you receive an unsolicited email you should check it for signs that it may not be from the person/company it appears to be from.

  • Check the email address - Is it the same as the email address you usually receive emails from, or just similar.
  • Check the email subject line - anything along the lines of "There is a secure message waiting for you", "Security Alert", "System Upgrade" and so on should be treated as suspect.
  • Check the message title - if it reads 'Dear Customer' or 'Dear Valued Customer' or if isn't personalised at all, then you should be suspicious. Phishing emails will not usually include your name.
  • Be wary if the email asks you to click on a hyperlink or a button to download a file. Wording such as 'verify your account or password' or 'update your security details' should be viewed as suspicious – they are likely to take you to a copycat website where you may be prompted to enter personal details which can be used to commit fraud.
  • Be suspicious of any message that creates a sense of urgency, such as 'If you don't respond within 48 hours, your account will be suspended'. A legitimate company will not create a false sense of urgency.
  • Check the grammar and spelling for mistakes or inconsistencies.

Top Tip! You can hover your mouse pointer over hyperlinks (or buttons) to see the underlying website URL.

Avoiding the phishers


-RBS will never ask you for your full PIN or password.

-Never respond to any unexpected or suspicious emails.

-Don't click on any links or attachments within unexpected or suspicious emails.

Reporting suspicious emails
If you have received a fraudulent or suspicious email, and not responded to it, please forward the email to
If you have responded to the email and/or you think that any of your accounts have been accessed by someone other than yourself, call us immediately on 0800 161 5154 Minicom (0800 027 1395). When calling from abroad please dial +44 131 523 7766 (Minicom +44 118 963 9148).

-Text message (SMS) phishing

-Voice phishing (telephone approaches)

-How to protect yourself

-Report suspect emails to us


Voice phishing

Beware of approaches on the telephone

What is voice phishing?

These are unsolicited phone calls from fraudsters which encourage you to give out your personal details, such as your card, PIN or card reader codes. The fraudsters can pretend to be your bank, the police, or any other official company.

Sometimes you may get a 'warm up call' where no information is discussed. This is to set the scene for a later call where you may be asked for information.

How to avoid becoming a victim of voice phishing

- Never give your full PIN or Digital/Telephone Banking login details to anyone, even a caller claiming to be from your bank or the police

- If you get a call asking you for this information, end the call immediately

- If you receive a suspicious or unexpected call, always verify the caller using an independently checked phone number such as a contact number from our website

- Remember fraudsters also use techniques to hold your phone line open. When you try to dial out to verify the caller, the fraudster may stay on the line, play a fake dial tone and claim to be the person you're trying to contact. To avoid this, use a different phone line to verify the caller where possible. If not, try calling a friend or family member first to make sure your line is clear

The Little Book of Big Scams (PDF)

Don’t get distracted...


Distraction theft

Don't get distracted...when using your card  and PIN at a cash machine. Criminals use distraction techniques at ATMs to steal your card and/or cash. They may tap you on the shoulder to get your attention or act as a “helpful stranger”.

For example they may tell you that you have dropped some money, and while your attention is elsewhere, another member of the criminal team steals your card and/or cash. Once the criminal has your card and has viewed you entering your PIN, they will carry out fraudulent card transactions.

...or in a shop

Criminals have also been known to target victims after watching them enter their card PIN in a shop; while one criminal asks for directions or change, another steals their card.

How can you protect yourself from becoming a victim of distraction theft?

  • Don’t let anyone distract you during your transaction at a cash machine or in a shop, even if they seem to be a “helpful stranger”
  • Be aware of others around you when using a cash machine. Avoid using a cash machine if you see suspicious individuals nearby
  • Remember to always shield your PIN at a cash machine or while paying by card
  • When you’ve finished a transaction, take your cash quickly and discreetly put your card away before leaving the cash machine
  • Do not use an ATM if there are signs of tampering or suspicious devices are visible. If you do notice anything suspicious on an RBS cash machine you can contact us on 0845 600 2803 (Calls may be recorded)

If your card is lost or stolen, or kept by an RBS cash machine, you should report it to us immediately. 

More about the latest threats

How to guides

Need to report a fraud or scam?

Suspicious emails


Suspicious emails

Report suspicious emails to us at: if you have NOT responded, or by calling 0345 301 5748, Minicom 0845 900 5960 (Calls may be recorded) if you have responded.

When calling from abroad please dial +44 131 523 7766 (Minicom +44 141 308 8045).

See more

Debit card, cheque and bank account fraud


Debit card, cheque and bank account fraud

If you are calling from abroad, please call (0044) 125 230 8047 (Calls may be recorded and calls from overseas may cost more).

See more

Credit card fraud


Credit card fraud

Maximum call charge for business customers from a BT landline is 4p per minute. Business rates and calls from other networks may vary.

If you are calling from abroad, please call (0044) 126 850 8020 for personal credit cards or (0044) 126 8508 019 for business credit cards. Calls may be recorded, and calls from overseas may cost more.

See more

Suspected scams


Security glossary

Search for security terms

Security comes with its own special expressions. Our jargon buster can help guide you.

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