Fraud prevention & security centre
Follow this advice when you use your banking and payment facilities to reduce the risk of fraud
Helping you keep your details safe
By using the information provided in the Fraud prevention & security centre, and by being vigilant when you do your banking, you can help reduce the risk of fraud on your accounts.
This also provides you with latest contact information and guidance on reporting fraud to enable us to support you as soon as possible.
Have you been affected by fraud?
Monday to Friday 8am - 9pm Saturday 8am - 9pm Sunday 10am - 5pm
How we protect you from fraud
Keeping your details safe and secure is our priority - find out how we go about it.
How you can protect yourself from fraud
By following this advice when you use your banking and payment facilities you can reduce the risk of fraud.
How to spot and avoid scams
Knowing how to spot and avoid financial and email scams helps keep your money safe.
How to report fraud
Find out how to contact us and report your concerns.
Stop, think and check
Don’t become a victim of fraud – stop, think and check
Never assume that an email or phone call you receive is genuine – always think before confirming or giving out personal details to anyone.
Keep it to yourself
Never disclose your PIN or passwords to anyone
Banks and other trusted organisation will never, ever ask for your PIN or password in an email, on the phone or in writing. If someone asks for this information, always ask why, and question who it is you’re talking to.
Take time to think
Take your time before making a decision
Banks and other trusted organisations will never try to force you to make any important financial decisions. Also, be wary of phone calls saying that your computer has a problem or calls asking you to send money to a secure location.
Don’t take the bait
Avoid online phishing scams
Fraud doesn’t just happen by the phone, it can also happen through emails. If you receive an email asking you to update important personal information, be suspicious and check whether they are genuine
Who’s checking out your basket?
Be alert in all areas of the internet
Banking online isn’t the only way that you can be caught out by online fraudsters. Check out the IBM Trusteer report at cbonline.co.uk/rapport, as this can offer you an additional level of support across all areas of the internet.
Imposter on the roster
Don’t take things at face value, be vigilent
Emails can easily be faked, so no matter how urgent something appears, make sure you stop, think and check to see whether this is normal.
Beware supLIARS
Don’t let your business become a victim of fraud
Fraudsters can easily find out invoice details, allowing them to easily pose as suppliers. If you receive an email supposedly from a supplier that asks you to change payment details, then contact them through existing details to check that the email is genuine.
Our online and mobile fraud promise
We want you to feel safe when banking online with us, so our promise to you is if funds are taken from your account fraudulently, we will reimburse the loss, as long as;
-
You have taken reasonable care to protect your online information. This may include;
- - Ensuring you properly log off internet banking or mobile banking when you’re finished,
- - Taking care to ensure others can’t see your security information when logging in to internet banking
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You have not disclosed your security details. These include;
- - passwords, passcodes, security answers and token responses.
- You have not acted fraudulently.
What does ring-fencing mean for you?
Ring-fencing is new UK legislation brought in after the financial crisis to protect customers and the day-to-day banking services they rely on. It mostly affects larger UK banks that will have to separate their day-to-day banking from other, riskier, activities such as investment banking.
Most Yorkshire Bank customers will not be affected. If you hear nothing from us directly, then you can assume this is you.
However, a few business banking customers will be affected. If this is you, you will receive direct communication from us to tell you about it.
If you have accounts with other banks, they will be in touch with you to let you know of any changes.
At a time when changes are happening in the banking industry, all bank customers should remain alert to the possibility of banking and online account scams.
Steps you can take to protect yourself include:
- Treat all letters, phone calls, emails and text messages with caution. Don’t assume they are genuine if they claim to be from your bank. It is best to check with your bank using the number on your card or bank statement.
- Do not give out your account or card details or make changes to payments unless you are certain who you are dealing with.
- Never disclose security details, such as the PIN for your bank or credit card or your online banking password. Remember a bank or other genuine organisation will never ask you for these.
- Don’t be rushed or pressured into making a decision or acting quickly. A genuine bank or other organisation won’t mind waiting if you want time to think.
Find out more ways to protect yourself from banking and online account scams at: www.fca.org.uk/consumers/banking-online-account-scams
If you are suspicious about any approach please contact the Bank immediately.
IBM Trusteer Rapport
Download and install IBM Trusteer Rapport - Free software that stops financial malware infecting your PC
Additional help
Financial fraud action
FFA UK is responsible for leading the collective fight against financial fraud on behalf of the UK payments industry.
Cyber streetwise
A UK Government campaign offering a variety of tips and advice on the essentials for enjoying a safe online experience.
Met police
The Metropolitan police fraud team provide information as a resource to assist in combatting fraud and to prevent you becoming a victim of crime.
Branch locator
Find your nearest Yorkshire Bank branch, Business and Private Banking centre or ATM
Contact us
If you have any concerns about fraudulent activity, please give us a call on:
- (24 hours a day, 7 days a week)
- Please note all our calls to our lines are recorded for training and security purposes.
Internet Banking help centre
You can find more information about Internet Banking in our help centre
You can find impartial information and guidance on money matters on the “Money advice service” website.
Yorkshire Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.