What is it, how to avoid it and what to do if it happens
What is smishing?
This is when a fraudster sends a text message to say there's a problem with your bank account and ask you to call a phone number. If you do so, fraudsters will try to trick you into giving away your personal and security information.
Other messages may be from fraudsters pretending to be your bank, saying that personal information about you has been posted on the internet and ask you to visit a website. Using the link in the message may lead to an attempt to infect your computer or mobile device with a virus.
The text may ask for sensitive information, such as pins or passcodes, tell you that you’re owed a refund, or that there is a problem with your account. There will be a sense of urgency to the message, encouraging you to act fast, open a link or respond to the message.
Forward any suspicious texts referring to Royal Bank of Scotland to the number 88355
This is not a premium rate number, standard network rates apply, please contact your network provider for more information on charges.
If you have replied to the text or provided any sensitive information report it
How to protect yourself from Smishing
Never give your full Digital Banking PIN, full password or card reader codes to anyone via text
Do not phone the number included in the message, as fraudsters will try to trick you into giving away personal information
Do not click on any links or type them into your browser, as your device or computer could be infected with malicious software
If you have already clicked on a link, it is advised to run a scan with your antivirus software to check your device for any malicious software.
Keep your phone's operating system up to date
How to spot a Smishing scam
In order to put the above tips into action it’s important to know what smishing looks like, because it isn’t always strange texts from unknown numbers. In fact, some scammers even use technology to make their messages look as though they are from your bank.
But thankfully, by knowing what to expect, you can protect yourself. We’ve put this section together to show you the kind of messages fraudsters send so that if you get a smishing text message you can spot it straight away.