Smishing & Text Message Fraud | Royal Bank of Scotland

Text message fraud

Smishing & Text Message Fraud

What is smishing
Add your signposting title here… What is Smishing

Smishing 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.

Remember to forward any suspicious texts referring to Royal Bank of Scotland to the number 88355

How to protect yourself from smishing


    Never give your full Online 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

Reporting a smishing text


If you think you have been targeted by a smishing scam, let us know. We will never ask you for your full PIN and full password by text or email.

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.

Contact us and report fraud on bank accounts, credit cards and report suspicious calls or emails.

Add your signposting title here… Does the Bank send text messages from mobile numbers starting with 07?

Yes, the Bank in certain circumstances will send SMS from 07 mobile numbers.  These messages will often follow a Bank branded SMS and ask the recipient to reply Yes or No to the number.

We will never ask for any personal or financial information.

Here is a list of commonly used Bank owned numbers:




Please note these numbers are set only to receive SMS and cannot be used for other means of communication

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