If you receive a request to provide personal or financial information, you need to take a moment to reflect and step back from the situation. Even if they say they're the bank or other trusted organisation, you still need to take the time to stop and think about what's really going on.
Requests to move money
A genuine bank or organisation will never contact you out of the blue to ask for your PIN, full password or to move money to another account.
Only give out your personal or financial details to use a service that you have given your consent to, that you trust and that you are expecting to be contacted by.
Clicking on links
Don't be tricked into giving a fraudster access to your personal or financial details. Never automatically click on a link in an unexpected email or text.
Personal information
Always question uninvited approaches in case it's a scam. Instead, contact the company directly using a known email or phone number.
Don't assume emails or calls are authentic
Just because someone knows your basic details (such as your name and address or even your mother's maiden name), it doesn't mean they are genuine. Be mindful of who you trust – criminals may try and trick you into their confidence by telling you that you've been a victim of fraud.
Don't be rushed or pressured into making a decision
Under no circumstances would a genuine bank or some other trusted organisation force you to make a financial transaction on the spot; they would never ask you to transfer money into another account for fraud reasons.
Listen to your instincts
If something feels wrong then it is usually right to question it. Criminals may lull you into a false sense of security when you are out and about or rely on your defences being down when you're in the comfort of your own home. They may appear trustworthy, but they may not be who they claim to be.
If you think there has been fraud on your card or bank account – or if you suspect anyone has attempted to compromise your financial details – report it immediately to your bank or financial services provider.
Then contact Action Fraud on 0300 123 2040.
