Stay Safe and Secure from Fraudsters – Fraud Top Tips from Co-operative Bank

Unfortunately during these uncertain times, there are still some individuals who prey on others when they are most vulnerable. Thankfully Co-operative Bank have put together their top tips in order to protect yourselves from fraud!

Fraud top tips from Co-operative Bank

  • You will never be contacted by anyone to ask you to log into your online bank account to check if you have received a refund, or to return an overpayment – Never tell ANYONE your online banking verification codes, not even your banking provider!
  • Never agree to download software or an app onto your device.
  • You can contact a genuine company by using a trusted number from their website.•If you are unsure if a text message or phone call from your bank is genuine. Stop! Don’t panic, and contact your bank using the number on the back of your card, ideally using another telephone as the caller could try to stay on the line.

Impersonation Fraud

Fraudsters are using Coronavirus as a way of pretending to pose as genuine organisations that they know people look to for advice, such as banks, the police, government and even the World Health Organization (W.H.O). They’ll use bogus emails, phone calls, text messages and even social media posts to try and get you to disclose your personal or financial information. Don’t be pressured into doing something you’re not sure about, any legitimate requests will allow you to check it out.

Health Scams

Be wary of any texts or emails that look like they’re from trusted sources, like the W.H.O. who are asking you to open attachments or click on any links, as they may contain malware. Watch out for any advertising that promises to help combat or cure Coronavirus, from face masks to testing kits – If cures or help are available then it will be shared by the government or W.H.O. Remember, if it looks too good to be true, it usually is.

Official Impersonations

Be vigilant to any ‘out of the blue’ contact either by text message or from a telephone call, especially those claiming to be from the police or fraud teams that ask you to move your money to another account. We would never ask you to do this. Do not respond to any calls, emails or texts from companies saying that your computer or internet may be compromised. If somebody calls you, no matter who they say they are, it’s important that you never agree to download an app or software on to your laptop, computer or mobile device. Especially if they then ask you to log in to your online banking accounts. Remember never tell ANYONE your online banking verification codes, not even us!

HM Revenue and Customs (HMRC)

Do not respond to any emails, calls or texts from HMRC saying you’re owed a tax refund, or have an overdue tax bill. If you have any concerns contact HMRC directly, not by using any of the links and the telephone numbers in the email.

Visitors at your Home

Some fraudsters are even knocking on doors claiming to be from local health authorities, trying to collect donations, or good Samaritans offering help. Remember that there is no door-to-door testing for Coronavirus and take extra care if someone is requesting personal information from you. If in doubt do not open your door.

Requests for Support

Be careful if you receive any social media or text messages from what appears to be from friends or family asking for financial help during this time. Give them a call first to ensure the request is genuine.

For more information regarding inpersonanation fraud click here.

Take Five to stop Fraud

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

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

Contact your bank immediately (ideally from a different phone) if you think you’ve fallen for a scam and report it to Action Fraud

Fraud Training

To help you learn more about cyber security, we have collaborated with BPP, a global leader in education. Together we have created interactive activities covering four common areas of cyber security. Each activity will help you learn how to protect yourself online, and take approximately 15 minutes. Click here to access the training.

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