Banking and Payment Cards Scams

Protecting your card details is vital
Card scams involve the use of stolen or counterfeit cards to make direct purchases or cash withdrawals or the use of stolen card details to buy items over the phone or via the internet.

What you should know

  • Your bank and the police will never call you and tell you to verify your pin, withdraw your cash, purchase high value goods or that are coming to your home to collect these items, so never hand it over to anyone who comes to collect it. Should you receive a call like this, put the phone down. This is a scam.
  • If you receive a call from your bank or the police, verify who the person is before handing over any personal details. You can do this by calling your bank using the number on the back of your card or the police on 612 612 on a different phone line. This can be a mobile phone or a phone owned by your family, friends or a neighbour. If no other phone is available, wait at least 5 minutes to ensure your line is clear to make the call. This is advised as scammers are able to keep your phone lines open. Whilst you think you are making a new phone call, the line is still open to the scammer who pretends to be a different person from your bank or the police.
  • Depending on who you bank with, the security questions asked by the bank may vary, such as the last 4 digits of your account number or digits from your password, but your bank will never ask you to authorise anything by entering your pin in to the telephone.

ATM – cash machine

  • Never share your pin with anyone
  • If there is anything unusual about the cash machine or there are sign of tampering, do not use and report to the bank as soon as possible
  • Cover your pin. Stand close to the machine and always use your free hand and body to shield the keypad as you enter your pin to prevent any prying eyes or hidden camera seeing your pin.
  • Do not get distracted. Be particularly cautious if ‘well-meaning’ strangers try to distract you or offer to help you and most importantly, discreetly put your money and card away before leaving the cash machine.
  • Fraudsters sometimes fit devices to cash machines that trap your card, which they then retrieve as soon as you have left the area. If your card is retained by the machine, report it to your card company immediately, ideally using your mobile phone when in front of the machine. Make sure you have your card company’s 24 hour contact number stored in your mobile phone.
  • If you spot anything unusual about the cash machine, or there are signs of tampering, do not use it. Report it to the bank concerned immediately.
  • Once you have completed a transaction put your money and card away before leaving the cash machine. Destroy or preferably shred your cash machine receipts, mini-statements or balance enquiries when you dispose of them.

Banking

  • Check your statements regularly, including low value transactions. Notify your card company immediately if you suspect a fraud.
  • Dispose of statements or slips which contain your details carefully and securely by shredding or tearing your documents. This includes your cash machine receipts, mini-statements or balance enquiries.

Remember

Never share your PIN with anyone

Caution

Your bank or police will never ask to collect your card and PIN

Think

Check statements regularly to ensure they are correct

Investigate

If you suspect a fraud, contact your bank or the police immediately