Security Centre

Stay safe and secure
with our help on
fraud and security

Helping you stay safe

Whether you've been the victim of fraud, or you're looking to learn more about avoiding it, this page should give you everything you need.

Malwarebytes Premium

We’re committed to helping you stay safe and secure online and are continuously investing in new fraud prevention tools and the latest security technology to keep you protected online.

Following a review of our existing services, we have formed a partnership with Malwarebytes, a provider of industry recognised cyber security solutions, to make their Malwarebytes Premium product available for free (RRP £49.99) to our customers on up to 10 devices of their choosing.

During this initial phase the product will be available to our Personal and Premier Digital Banking customers, initially to a small pilot group until early next year. The Bank will be looking to make the product available to our business and Bankline customers early in 2020.

A customer of Thomas Cook?

We are aware that Thomas Cook has confirmed that they have ceased trading and now gone into administration.

What you need to do

If you have paid via PayPal or booked via a third party agent you will need to contact them directly.

If you booked directly with Thomas Cook and paid by Debit Card.

  • If you have booked a package holiday directly with Thomas Cook, contact ATOL on 0300 303 2800 for further advice.
  • If you have booked a flight directly with Thomas Cook Airlines, the quickest way to register your claim is by selecting the below link located on our Card Payment Support Zone

 

If you booked directly with Thomas Cook and paid by Credit Card.

  • If you have booked a package holiday directly with Thomas Cook, contact ATOL on 0300 303 2800 for further advice.
  • If you have booked a flight directly with Thomas Cook Airlines, the quickest way to register your claim is by selecting the below link

Strong Customer Authentication

Keeping your money safe and secure is at the heart of everything we do so we’ll be checking it’s really you more often – and not someone pretending to be you.

What does this mean?  When you buy something online or use Digital Banking you’ll sometimes be asked to provide a one time passcode (OTP). This passcode is sent to your mobile phone by text and you’ll need it to complete your transaction.  All banks must do this as part of new regulations designed to improve the security of your purchases and reduce fraud.  It is sometimes referred to as Strong Customer Authentication (SCA).

Remember that you should never disclose your OTP to anyone, even someone who claims to be calling from the bank – we will never ask you disclose these codes to us over the phone.

 

Spotted something unusual?

If you think you've been the victim of fraud, or received a suspicious email, call or text, we will try our best to help.

Seen a card transaction you don't recognise?

Checked your account and seen a card payment go out that you don't recognise? Before reporting it as fraud, there's a few things you can do which may help.

Don't become a victim. Check out our helpful guides

There's lots of help on offer, to protect yourself or your business. Below you can get to a range of our guides, including those that are business specific.

All of our guides

Lots of help to stay safe, all in one place

Whether it's telephone, email, SMS fraud or other types of scams we've got lots of guidance

Email fraud (Phishing)

What it is, how to spot it and how to protect yourself

Learn how to avoid those dodgy emails and keep your information safe

Telephone fraud

Spot those suspicious calls and what to do

Telephone fraud (or Vishing) is one of the most popular methods of fraud. Here's some help to stop you being a victim

If you run a business, keep that safe too

There are some scams and types of fraud that are unique to businesses and individuals who run them. Make sure you know what they are and how to avoid them.

How we protect you and our secure banking promise

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Secure banking promise

If you've been the victim of fraud, our promise can help put you right
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A range of security features

From our card reader to fingerprint tech. We've got a range of measures to help
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Guidance on the go

Whether you're on the bus or at your desk, our guides can help you avoid fraud

Take Five To Stop Fraud

Take Five To Stop Fraud is a national campaign from Financial Fraud Action UK and the UK Government, backed by the banking industry coming together to tackle fraud.

Criminals are experts at impersonating people, organisations and the police.

They spend hours researching you for their scams, hoping you’ll let your guard down for just a moment.

Stop Challenge Protect

  1. 01

    Stop: Taking a moment to stop and think before parting with your money or information could keep you safe.

  2. 02

    Challenge: Could it be fake? It’s ok to reject, refuse or ignore any requests. Only criminals will try to rush or panic you.

  3. 03

    Protect: Contact your bank immediately if you think you’ve fallen for a scam and report it to Action Fraud.

    My money? My info? I don’t think so!

Think you’ve been the victim of a scam? We can help you.

Friends Against Scams

Friends Against Scams aims to prevent people becoming victims of scams. Joining equips you with the knowledge you need to protect yourself from the emotional and financial impact.

You’ll learn how to:

Spot a potential scam and report it

Avoid becoming a target for scammers

Find out about new scams so you can take steps to protect yourself

Have conversations with friends, family and community to share your knowledge and raise your collective awareness

You work hard for your money, so we work 24/7 to keep it safe

Security is a real concern in Scotland – almost half of respondents to a recent Scottish Crime and Justice Survey said they were worried they'd be victims of banking fraud or identity theft in the next 12 months.

Our own research tells us that customers are looking for a human touch, when our technology and people work in harmony to give our customers peace of mind.

There are many different types of scams. Keep your money safe from them all

Common security questions

Something else we can help you with?