Consumer Information

Online Fraud

Most fraud on online accounts involves a customer being duped into giving away their user passwords and security information via a phishing scam, or by their PC being infected with spyware designed to steal the information. The two most common attempted scams currently used by online fraudsters are phishing and malware.


This is an email that purports to be from your bank or another service, urging you to click on a link that takes you to fake website identical to the one you would expect to see.

You are then asked to verify your personal security information. If you submit this information you are actually giving it to a fraudster.


This is a type of virus (malicious software) that can be installed on your computer and run without your knowledge. It is a capable of logging your keystrokes thereby capturing your passwords and other personal information.


Pharming is redirecting users from the legitimate commercial websites they intended to visit and lead them to malicious ones. The bogus sites to which victims are secretly redirected will look very similar to the original site. When users enter their login name and password, the information is captured by criminals.

Online banking fraud prevention, top tips

To help avoid online scams you should always:

  • Be suspicious of emails which are supposedly from your bank.
  • Never give your login details in full by email or over the phone - your banks will never request these in this way.
  • Make sure your home computer has security programme and virus protection.
  • Make sure your computer has up-to-date anti-virus software and a fiewall installed. Consider using anti-spyware software. Download the latest security updates, known as patches, for your browser and for your operating system(e.g. Windows).
  • Be wary of unsolicited emails requesting personal financial information. Keep passwords and PIN's safe; always be wary of unsolicited emails or calls asking you to disclose any personal details or card numbers. Your bank, building society or the police would never contact you to ask you to disclose your PIN.

As additional preventative measures when banking online you are also encouraged to:

  • Ensure your browser is set to the highest level of security notification and monitoring. The safety options are not always activated by default when you install you computer.
  • Know who you are dealing with - always access internet banking sites by typing the bank's address into your web browser. Never go to a website from a link in an email and then enter personal details.
Petro Card Brochure_210x198mm_dl.pdf494.04 KB
Skimming Devices Brochure_210x297mm_dl.pdf581.57 KB
Surcharging Debit and Credit Brochure_210x297mm_dl.pdf567.37 KB

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