Fraud Prevention Centre

Fraudsters are always looking for new ways to steal money. That’s why we need to work together and we need you to take precautions to help keep yourself safe. Our Fraud Prevention Centre will help you stay one step ahead of the fraudsters.

There’s only one bank in Britain that offers you a fraud refund guarantee.

Fraud Guarantee RefundAll too often people who have money taken out of their account by fraudsters have to fight to get it back. We’re changing that by introducing our Fraud Refund Guarantee. As long as you’re clearly an innocent victim of fraud on your TSB account, we’ll refund the money you lost from your account.

How we protect you

 
 
 

Valid from 14/04/2019. No refund if customers are involved in committing the fraud or repeatedly ignore account safety advice. Guarantee limited to £1 million per claim for authorised transactions. Purchase disputes are not covered by the guarantee. Other conditions apply.

Why can't I make a transaction to cryptocurrency exchanges?

From August 2021, we will no longer facilitate transactions to cryptocurrency exchanges. The Financial Conduct Authority (FCA) has warned about the extremely high risk involved in investing in cryptocurrency and we are seeing an increasing level of fraud and financial crime through cryptocurrency merchants. Therefore, we have taken the decision to not support cryptocurrency transactions. We’ll send you a text letting you know your transaction has been declined.

Safe Account Scams

What are they?

Safe Account scams are a type of fraud where a criminal will manipulate you into moving your money from your account to a ‘safe account’, because it isn’t secure where it is. In fact, the ‘safe account’ is the fraudster’s account, and your money could be used by criminals to fund serious crimes like terrorism and child sex exploitation.

What happens?

You may receive a phone call from your ‘bank’ or the ‘police’ telling you that your account has been compromised. On the call, the criminal will convince you that your money isn’t safe where it is. They might say someone else has accessed it, or that they’ve spotted suspicious activity. They will ask you to follow their instructions to avoid your bank’s security checks and make a payment to a ‘safe account’. You will have in fact sent your money to the criminal’s account.

How can I tell if it’s real?

Nobody will ever ask you to move your money to a safe account. It is safe where it is. If there are any concerns, or your details have been compromised, your bank can take immediate steps to secure your account - you never need to move your money.

What should I do?

Take a moment to think. Never be rushed - that's exactly what the fraudsters want. Hang up if you receive a call like this. Then, give your bank a call back on a number you can verify (the one on the back of your card, or on the bank's website). And then, visit the Action Fraud website for guidance on how to report what's happened. Never click on any links in text messages.

Report suspected fraud

Find the fastest way to report your fraud on our ‘How to report fraud’ page

 

Report your card and lost or stolen

If you think your card details could be compromised please cancel your card. You can do this in the app or by calling 0800 015 0030 (lines open 24/7)

Unsure of a transaction?

To help you identify a transaction you don’t recognise follow this guide

Questions and answers

Security FAQs

Find answers to most popular security questions here, or ask your own.

View Security FAQs

Unsure of a transaction?

If you don’t recognise the retailer or amount follow our guide.

Avoid fraud during the coronavirus pandemic.

Criminals are using texts, emails and phone calls to scam people out of their money during the coronavirus outbreak. Click on the video below to find out what to look out for. 

Stop and think. Take Five to Stop Fraud

Take Five to Stop Fraud

 
 
 

Stop

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

 
 
 

Challenge

Could it be fake? It's okay to reject, refuse or ignore any requests. Only criminals will try to rush or panic you.

 
 
 

Protect

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

 

Working with industry initiatives to keep you safe

Take Five

The Take Five campaign aims to empower and educate you about why taking time to think before you act can help prevent financial fraud. Led by Financial Fraud Action UK Ltd.

http://takefive-stopfraud.org.uk

Action Fraud

Action Fraud is the UK's national reporting centre for fraud and cyber crime. This is where you should report fraud if you have been scammed, defrauded or experience cyber crime. You can report fraud, including online or internet crimes and receive a police crime reference number.

http://www.actionfraud.police.uk

Cyber Aware

Be Cyber Aware is led by the Home Office and delivered in partnership with the private and voluntary sectors. They aim to improve your online safety, and improve confidence of consumers and small business (SMEs) online.

http://www.cyberaware.gov.uk/

FCA ScamSmart

The Financial Conduct Authority (FCA) Scamsmart site is designed to protect consumers from investment fraud. Their key advice is to: reject unsolicited contact, and then check the FCA Warning List and seek impartial advice before investing.

http://scamsmart.fca.org.uk/

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