| M&S Bank |
Real-time fraud detection system – 24/7 lookout for unusual activity on your account. We may get in touch with you to check on anything suspicious. Authorised Push Payment (APP) Scams Voluntary Code – M&S Bank is one of the first banks to sign up to the new APP voluntary code launched 28/05/2019, demonstrating our commitment to protecting our customers from fraud.2 factor authentication – To access online or mobile banking, you will need a temporary code generated by the M&S Pass. To generate it, you can use biometric functionality on compatible devices or a PIN/password known only by you. One-time passwords – We use Verified by VISA or MasterCard SecureCode for online shopping. If we need to check that your purchase is genuine and that it is you, we’ll text-message you a unique 6-digit passcode to use. You should never share it with anyone. Secure sessions – When you log into Internet Banking or fill in an online form, any details and information you give or access are stored securely on our site. Check the web address starts with https:// and there is a closed padlock at the top of the page in the address bar, which is an indicator of a secure area (please note this does not guarantee a secure site).Automatic timeout – If you forget to log out of your account or your computer remains inactive for a period of time, the session will end automatically, logging you out. Automatic lock-outs – We will suspend online access to your account after a number of unsuccessful attempts to sign in, in case someone else is trying to access it. You can reset using the instructions on our website or by calling one of the numbers displayed. Online fraud guarantee –Please contact us if unauthorised payments are made from your current or savings account, and refer to our online fraud guarantee. |
https://bank.marksandspencer.com/security/useful-information/ |
| TSB |
• Real-time fraud detection Our systems are designed to detect fraudulent payments real time, they will flag suspicious transactions or activity the moment it happens. This offers immediate protection. •Biometric analysis - This ensures that it is really you that is interacting with us. It builds a profile of your behaviour and makes it difficult for fraudsters to mimic. This data is used strictly in compliance with our internet banking terms and conditions, to protect your privacy and information about you. • Device Analysis - We build a profile of the devices that you use to interact with us. If a different device from a strange place tries to log in, we’ll catch it. This data is used strictly in compliance with our internet banking terms and conditions. • Bank name display - Our texts will originate from ‘TSB’ • One-time passwords - We use one-time passwords to verify who we are interacting with. • 2 factor authentication2-factor authentication adds another layer of protection to your account. • Confirmation of PayeeWe’ve joined forces with Mastercard company Vocalink and will voluntarily deliver Confirmation of Payee for its our customers. The new ‘Verify Account Name’ service will help prevent TSB customers sending money to the wrong bank account or falling victim to payment fraud. |
https://www.tsb.co.uk/fraud-prevention-centre/how-we-protect-you/ |
| Starling Bank |
We’re a digital bank, so it’s no great surprise that technology is central to what we do – fraud controls included. Nothing is more important to us than keeping our customers safe. To accomplish this, our expert fraud team has put in place a series of sophisticated, automated controls. Some of these have to remain confidential, but others include: • Identity and verification checks, including video verification and anti-impersonation measures, during our customer onboarding process • In-app card controls, allowing our customers to take control of their card functionality. For example, freezing their card if they think they’ve lost it, or restricting transactions to gambling companies • The use of 3D secure, providing an extra layer of security when you use your debit card online • Introducing contactless payment limits inline with the Payment Services Directive 2 (PSD2) • Real-time fraud prevention systems which monitor all faster payments to safeguard your money, 24/7. Should we notice anything unusual, we might contact you via an in app message. • Helpful in-app prompts during transactions, prompting customers to consider whether the person they are paying is legitimate • Multi-factor authentication, such as one-time passwords • Real-time alerts of transactions/declined transactions |
www.starlingbank.com/mobile-banking-security/fraud/banking-fraud-control-comparison-data/ |
| Smile |
Real-time fraud detection system – We use a realtime fraud prevention system for Faster Payments, Credit and Debit card payments. The systems mean that we can hold or decline a payment if the rules within the system identify a suspicious transaction. Biometric analysis – The fraud systems use behavioural analysis to build a profile of what is normal for customers. This is used in rules to detect suspicious transactions. One-time passwords – The Bank uses one time passcodes through Online Banking for a variety of customer requests. One-time passcodes will be used for strong customer authentication for card payments. Two factor authentications – Used in Online Banking and Mobile Banking. Helpful hints – There are dedicated Fraud and Security pages on the Bank website which provide information on fraud protection. Free anti-virus software – The Bank offers free anti-virus software for Online Banking which is available to all customers. |
https://www.smile.co.uk/global/security |
| Santander |
Our Online and Mobile Banking Commitment gives you a peace of mind guarantee that we'll refund money taken from your account as a result of fraud. This guarantee doesn't cover instances where you have acted fraudulently or have not taken reasonable steps to keep your security information safe. To protect you, we use: Fraud detection systems - Our fraud detection systems highlight unusual activity in your accounts, and sometimes we’ll use an automated service to contact you as quickly as possible. Learn more about our automated system in the ‘How we contact you’ section. Additional online security - We may send you a One Time Passcode or ask you to use your mobile app to authorise certain activity. Your OTP and our app act as secure keys to your account, helping to stop anyone but you authorising transactions or making changes to your account. Learn more about OTPs Online Banking security software- We strongly recommend you download the free Rapport security software, to help guard yourself against internet banking identity theft and fraud. It’s designed with Santander in mind, and protects the connection between your computer and Online Banking. Learn more about Rapport. If you think you might have been targeted by fraud or a scam you can contact our fraud team anytime on 0800 9 123 123 or if you're calling from outside the UK +44 1512 648 725. |
https://www.santander.co.uk/personal/support/fraud-and-security/our-approach-to-fraud-prevention |
| Royal Bank Of Scotland |
• We are investing £100 million over 3 years to combat fraud to ensure we remain up to date with the latest fraud trends. • We use sophisticated technical profiling systems that measure things like: device, payment amount, biometric behaviours, location, and payment risk. All of this helps us to identify where there may be suspicious activity on your account. • Where our systems flag a suspicious payment, we will contact you to check if the payment is genuine. Most concerns can be resolved by phone, but we may also ensure you get the help you need by referring to one of our branches to speak to someone in person. • Our front-line staff are specially trained to question suspicious transactions that may be a scam. They are also trained in aftercare for those who have fallen victim to scams. • When you pay a new contact via Digital or mobile banking, you will be given scam advice and asked to acknowledge this before you make the payment. We also offer a sort code checker so that you can be sure your payment is going to the bank you expect. • We use biometrics, like fingerprint and facial recognition, to log into our mobile banking app as a secure method of authentication to check it’s really you logging in. • Sometimes we’ll ask you to provide a One Time Passcode (OTP), when you’re paying for something online or logging into Digital banking. This gives us a second layer of security to ensure it’s really you making a payment. • We’ll ask you to input your PIN more often when you pay with contactless. It’s another way for us to keep money safer. |
https://personal.rbs.co.uk/personal/fraud-and-security/fraud-control-data.html |
| Natwest |
• We are investing £100 million over 3 years to combat fraud to ensure we remain up to date with the latest fraud trends. • We use sophisticated technical profiling systems that measure things like: device, payment amount, biometric behaviours, location, and payment risk. All of this helps us to identify where there may be suspicious activity on your account. • Where our systems flag a suspicious payment, we will contact you to check if the payment is genuine. Most concerns can be resolved by phone, but we may also ensure you get the help you need by referring to one of our branches to speak to someone in person. • Our front-line staff are specially trained to question suspicious transactions that may be a scam. They are also trained in aftercare for those who have fallen victim to scams. • When you pay a new contact via Online or mobile banking, you will be given scam advice and asked to acknowledge this before you make the payment. We also offer a sort code checker so that you can be sure your payment is going to the bank you expect. • We use biometrics, like fingerprint and facial recognition, to log into our mobile banking app as a secure method of authentication to check it’s really you logging in.• Sometimes we’ll ask you to provide a One Time Passcode (OTP), when you’re paying for something online or logging into Online banking. This gives us a second layer of security to ensure it’s really you making a payment. • We’ll ask you to input your PIN more often when you pay with contactless. It’s another way for us to keep money safer. |
https://personal.natwest.com/personal/fraud-and-security/fraud-control-data.html |
| Nationwide Building Society |
Fraud Systems - We have a suite of Fraud Detection Systems that monitor activity undertaken on our members’ accounts, blocking or suspending suspicious transactions and generating alerts for our specialist Fraud teams to investigate to prevent fraud. Transacting Online - Our Digital Banking Promise covers our Banking app, Internet Bank and Open Banking service and means we’ll, refund money taken from a member’s account without their authorisation as well as committing to monitor & protect all members’ accounts 24/7 and provide education on how to stay safe. We welcome and are adopting new regulatory requirements for Strong Customer Authentication. These measures help fight fraud and increase security by using 2 factor authentication when accessing our Internet Bank or shopping online. We use Verified by Visa (VbV), an extra step in the online purchasing journey, to help confirm it’s the cardholder making the transaction and prevent card fraud. Built in Warning Messages- We display tailored scam warnings within the Internet Bank and Banking App which highlight to our members that they may be being asked to move money as part of a fraud scam and recommend actions they should take before proceeding with the transaction. For our members who transact in Branch, our internal systems will alert to potential scams so employees can provide helpful warnings and discuss any scam risks further. Member Authentication- To ensure we are dealing with our member and not a fraudster, we will robustly authenticate them via phone, in branch or through our Internet Bank or Mobile App whilst making every effort to minimise any delay or friction caused by these security steps. Applications - We robustly check any new applications to ensure a fraudster is not using someone else’s information to impersonate them. |
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| Metro Bank |
Here are just some of the measures we use (we have others, but it’s safer that we don’t publicise them): Behavioural analysis. We build profiles of our customers based on the interactions we normally have with them. This means that if their usual activity changes, it can help us to identify a potential fraudster. We build customer profiles in order to identify unusual account activity if it happens. Multi-factor authentication. For example, one-time SMS passcodes and hard tokens. Anti-spoofing solutions for SMS and calls. If a message hasn’t been sent by us, but says it has, in certain situations we can block it. This limits the opportunities for fraudsters to pretend to be us. We also have controls in place to prevent fraudsters from impersonating our call centres and using our telephone numbers. Real-time detection system. Every transaction goes through a number of checks before being approved. Online security - We protect our websites with encryption, malware detection and firewalls to protect against unauthorised access. We also advise our customers on how to keep their data and money safe, such as never sharing passwords. Warning messages - Our pop-up messages prompt customers to consider if their payment is for a legitimate reason. Phone Checker - Our phone checker allows customers to see if a phone number is genuinely one of ours. |
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| Lloyds Bank |
We protect your money by using real time fraud detection systems to monitor transactions on your accounts. We utilise various tools such as device identification of the phones, tablets etc. that you use, in conjunction with biometric behavioural analysis to identify potential fraudulent activity. Furthermore, we adopt a multi-channel approach to authentication. When you call our Telephone Centre, log into Internet Banking or pop into branch we will carry out verification checks to make sure it is you we are talking to. In addition to using your memorable information, personal security number or password information, we also use biometric technology to identify you, for example voice ID on our telephony channel, which allows you to use your voice as your password. When logging on to the mobile banking App, customers are able to use their Touch ID to authenticate themselves instead of their password. For some online card transactions and wallet pay card registrations, we will double check that it is you making the payment or completing the registration by sending a ‘one time passcode’ to your phone, which you can enter into the screen to complete the transaction. In the event that suspicious activity is identified we will attempt to contact you to verify. We work with the card issuer under their chargeback scheme, which means that we can often recover your money directly from them for fraud transactions. In addition, we have developed and fully apply best practice standards with the industry and regulators to ensure that authorised push payment fraud cases are dealt with efficiently, consistently and fairly by both the sending and receiving bank. Where funds have fraudulently been taken from your account, we will work with the bank that received the funds, under an indemnity scheme to recover any remaining funds. |
https://www.lloydsbank.com/help-guidance/protecting-yourself-from-fraud/bank-safely-how-we-protect-you.asp |
| Bank Of Ireland |
Online Security - Our websites are encrypted to protect your information. Please use a secure browser to access account information and transact. Our websites are protected by a firewall (a barrier between the internet and our internal bank network). When you log on to Bank of Ireland 365 online, we’ll ask you for: A private and individual User ID 3 random digits from your 365 login PIN A personal detail question. This information is encrypted and will stay private if you don’t disclose it. Two factor authentication You need a Two Factor Authentication to add or edit a payee on 365 online We’ll text a code to your registered mobile phone, or send via post if you prefer. Protecting your business with Bank of Ireland award-winning* KeyCode. It has many features and benefits including: Unique, one-off codes you can use to log on to Business On Line and authorise payments and payees. You need a secure PIN to access the KeyCode app. This One Time Code is generated per transaction and expires when used, or after 60 seconds KeyCode only works on your registered device, along with your corresponding Business On Line User ID The app is registered to one individual user. Daily Control Limit - The administrator and your relationship manager will set a Daily Control Limit (DCL) on your Business On Line profile This limit means your profile is less likely to be exposed to fraud. Winner of ‘Best Information Security Initiatives (Corporate/Institutional)’ in Western Europe, Global Finance Best Digital Bank Awards 2017. |
https://www.bankofirelanduk.com/help-and-support/security-zone/ |
| Investec |
Real-time fraud detection system – We use a fraud detection solution to identify potentially fraudulent transactions from your account. Alerts are reviewed by our dedicated fraud team, who monitor transactions 24 hours a day. Voice biometrics – With your consent, we use advanced software to authenticate your identity when you phone our contact centres. Knowledge-based authentication – In some instances, our colleagues will ask security questions as part of the telephone authentication process. We will only use this information strictly in accordance with our banking terms and conditions to protect your privacy and security. One-time passcodes – For certain activities carried out on Investec Online that may indicate a higher risk of fraud, we may send you a one-time passcode via SMS as an extra layer of security. Two-factor authentication – When you login online, we will authenticate your identity through your mobile app or through a one-time passcode via SMS. Timed log out – You will be automatically logged out of Online Banking if you don’t use the service. If you forget to log yourself out, this will give you added protection. Deactivation of your login details – If three incorrect attempts are made to log in using your credentials, we will temporarily block access to your Online Banking service. This helps prevent unauthorised access to your account. Data encryption – Our Online Banking service is hosted on a secure platform. This means that any information you send us is encrypted for your protection. Malware detection – We have anti-malware detection systems on our online and mobile banking applications. This helps us to identify whether your device’s security has been compromised. Transaction SMS notifications – We send transaction notifications when you spend on your card, as well as when a payment is made from your online bank account. This helps you know immediately if there is as unexpected action. |
https://www.investec.com/en_gb/legal/know-fraud/data-transparency-fraud-prevention.html |
| HSBC Bank |
2 factor authentication – Our Secure Key gives you added protection against the threat of fraud. It generates a temporary code which you use to access digital banking. You need your PIN or password, Touch ID, Face ID or Android Fingerprint. It means only you can access your accounts. Real-time fraud detection system – As part of our digital security promise, we’ll safeguard your money by keeping a lookout 24/7 for unusual activity on your account. From time to time we may get in touch with you to check on anything suspicious. Behavioural Analysis – We use behavioural analysis to help make sure it’s really you giving us instructions for your online banking. This tech builds a profile which helps us reduce fraud. One-time passwords – We use Verified by VISA or MasterCard Identity Check Service for online purchases. If we need to check that a purchase is genuine, we will send you a unique 6-digit SMS passcode. The passcode is only used as an identity check and you should never share it with anyone. Bank name display – We use bank name display when you set up a new payee to confirm which bank you are sending money to. Transaction monitoring – We may send you a text message to confirm whether a card transaction has actually been made by you or to ask you to contact us regarding possible unusual activity on your account. If you are unsure, please contact the number on the back of your debit or credit card. Helpful hints – Our fraud and security centre on our website outlines key information on what we do to keep you safe and secure online, including how to protect yourself. Free Security Software – We recommend you have security software (such as IMB Trusteer Rapport) as well as additional anti-virus software on your PC. |
https://www.hsbc.co.uk/help/security-centre/ |
| Halifax |
We protect your money by using real time fraud detection systems to monitor transactions on your accounts. We utilise various tools such as device identification of the phones, tablets etc. that you use, in conjunction with biometric behavioural analysis to identify potential fraudulent activity. Furthermore, we adopt a multi-channel approach to authentication. When you call our Telephone Centre, log into Internet Banking or pop into branch we will carry out verification checks to make sure it is you we are talking to. In addition to using your memorable information, personal security number or password information, we also use biometric technology to identify you, for example voice ID on our telephony channel, which allows you to use your voice as your password. When logging on to the mobile banking App, customers are able to use their Touch ID to authenticate themselves instead of their password. For some online card transactions and wallet pay card registrations, we will double check that it is you making the payment or completing the registration by sending a ‘one time passcode’ to your phone, which you can enter into the screen to complete the transaction. In the event that suspicious activity is identified we will attempt to contact you to verify. We work with the card issuer under their chargeback scheme, which means that we can often recover your money directly from them for fraud transactions. In addition, we have developed and fully apply best practice standards with the industry and regulators to ensure that authorised push payment fraud cases are dealt with efficiently, consistently and fairly by both the sending and receiving bank. Where funds have fraudulently been taken from your account, we will work with the bank that received the funds, under an indemnity scheme to recover any remaining funds. |
https://www.halifax.co.uk/aboutonline/security/protecting-yourself-from-fraud/bank-safely-how-we-protect-you/ |
| First Direct |
2 factor authentication for new payees – Our Secure Key gives you added protection against the threat of fraud. It generates a temporary code which you use to set up a new payee. You need your PIN or password, Touch ID, Face ID or Android Fingerprint. It means only you can setup new payees. Real-time fraud detection system – As part of our digital security promise, we’ll safeguard your money by keeping a lookout 24/7 for unusual activity on your account. From time to time we may get in touch with you to check on anything suspicious. One-time passwords – We use Verified by VISA or MasterCard Identity Check Service for online purchases. If we need to check that a purchase is genuine, we will send you a unique 6-digit SMS passcode. The passcode is only used as an identity check and you should never share it with anyone. Transaction monitoring – We may send you a text message to confirm whether a card transaction has actually been made by you or to ask you to contact us regarding possible unusual activity on your account. If you are unsure, please contact the number on the back of your debit or credit card. Helpful hints – Our fraud and security centre on our website outlines key information on what we do to keep you safe and secure online and how to protect yourself. You can find helpful hints and tips on fraud by clicking here Free Security Software – We recommend you have security software (such as IMB Trusteer Rapport) as well as additional anti-virus software on your PC. |
https://www.firstdirect.com/help/security-centre/ways-we-keep-you-safe/fraud-prevention/ |
| Danske Bank |
Real-time Transaction Screening – We monitor transactions across all our banking platforms to look for unusual patterns in our customers’ behaviour and then use this information to detect and prevent unauthorised transactions. Online Security/Encryption –We use SSL encryption to keep your data and online banking channels protected from unauthorised access. Danske ID - Danske ID is a secure app that you install on your smartphone that creates a secure digital signature each time you use it to logon or approve payments on our eBanking and Mobile Bank systems. You should only approve requests in the Danske ID app for logons or payments that you yourself have created. We will NEVER contact you and instruct you to use this app to approve any transactions or logons. eSafeID - When you access Business eBanking/District, we ask you for your password and a security code provided by your eSafeID device. This device provides a unique one-time passcode that you use to sign in to Business eBanking/District. Some customers may also be required to use this device to logon and/or approve payments in eBanking or Mobile Bank. Codes from this device are unique to you and you should NEVER share these with anyone, including us!Webroot Anti-Virus Software – We provide Webroot Secure Anywhere® free to all eBanking & Business eBanking/District customers. Biometric Analysis – We use behavioural analysis to help make sure it’s really you giving us instructions in your internet banking account. This technology builds a detailed profile of how you use eBanking (i. e. what’s ‘normal’ for you) that can be very difficult for a fraudster to mimic. One-time passcodes – We use SMS (text) messages to issue unique codes to, for example, approve some payments you make online using your debit or credit card or to verify it’s really you when registering for our digital wallet services or registering for Danske ID. These codes are unique to you and you should NEVER share these with anyone, including us! |
https://danskebank.co.uk/personal/fraud-prevention |
| Co-Operative Financial Services |
Real-time fraud detection system – We use a real-time fraud prevention system for Faster Payments, Credit and Debit card payments. The systems mean that we can hold or decline a payment if the rules within the system identify a suspicious transaction. Biometric analysis – The fraud systems use behavioural analysis to build a profile of what is normal for customers. This is used in rules to detect suspicious transactions. One-time passwords – The Bank uses one time passcodes through Online Banking for a variety of customer requests. One-time passcodes will be used for strong customer authentication for card payments. Two factor authentications – Used in Online Banking and Mobile Banking. Helpful hints – There are dedicated Fraud and Security pages on the Bank website which provide information on fraud protection. Free anti-virus software – The Bank offers free anti-virus software for Online Banking which is available to all customers. |
https://www.co-operativebank.co.uk/global/security |
| Clydesdale & Yorkshire Bank |
KYC Controls – we use credit bureau data or identity documents to verify that our customers are who they say they are prior to commencing a relationship with them or when that relationship changes. Application Fraud Controls – we use industry standard databases to supplement internal scorecards to identify suspicious applications that require further investigation. Secure Access to Services- We authenticate our customers when they register to use our channels and every time, they contact us. Authentication varies depending on the channels and the risk of the activity the customers wants to complete but includes one-time passcode Transaction fraud controls – We assess customer payment transactions on plastic cards or via faster payments and CHAPs and highlight suspicious payments for further investigation either pre or post making the payment depending on the risk involved. Where customers are victims of fraud, we recover funds and restore victims of Fraud to their pre fraud position as soon as possible. |
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| Barclays |
Fraud detection systems which monitor transactions and payments on a real time basis. If something looks suspicious, we may try to get in contact and take action to protect the account while a review is carried out. Biometric systems help us track your normal behaviour when you are viewing your account details online. This helps us to try to identify if a fraudster has accessed your account and is used strictly in compliance with our internet banking terms and conditions, to protect your privacy and information about you. We work with external vendors and companies to ensure the contact details you have provided have no unwanted interference before we check a transaction with you. Industry Wide Support - Participation in industry schemes such as CIFAS and Hunter. Phone number checker via the Barclays website so you can check it’s us trying to contact you. Our Fraud teams are available to talk about your account 24/7. Whilst offering protection, we will always endeavour to eliminate interruptions to our genuine customers, enabling them to use their Barclays products freely. Specialist vulnerable teams are in place to help if you have any specific needs or requirements that may affect you running your account and becoming a victim of fraud. We will notify you via SMS or letter when any changes are made to your account.* Warning messages when making online payments to confirm you are confident that you are sending money to the genuine payee. Proactive Messaging which engage with you, notifying you of any changes and how we are actively protecting your account/card. Notification of data breaches from other organisations allows us to keep your data secure. If we are notified that your card details have been breached, we’ll be in touch to arrange a replacement but you’ll be able to use your card until the new one arrives. If any fraudulent activity occurs during this period, you’ll be covered by our fraud guarantee. *there are some exceptions please see the product terms and conditions. |
https://www.barclays.co.uk/digisafe/ |
| Bank of Scotland |
We protect your money by using real time fraud detection systems to monitor transactions on your accounts. We utilise various tools such as device identification of the phones, tablets etc. that you use, in conjunction with biometric behavioural analysis to identify potential fraudulent activity. Furthermore, we adopt a multi-channel approach to authentication. When you call our Telephone Centre, log into Internet Banking or pop into branch we will carry out verification checks to make sure it is you we are talking to. In addition to using your memorable information, personal security number or password information, we also use biometric technology to identify you, for example voice ID on our telephony channel, which allows you to use your voice as your password. When logging on to the mobile banking App, customers are able to use their Touch ID to authenticate themselves instead of their password. For some online card transactions and wallet pay card registrations, we will double check that it is you making the payment or completing the registration by sending a ‘one time passcode’ to your phone, which you can enter into the screen to complete the transaction. In the event that suspicious activity is identified we will attempt to contact you to verify. We work with the card issuer under their chargeback scheme, which means that we can often recover your money directly from them for fraud transactions. In addition, we have developed and fully apply best practice standards with the industry and regulators to ensure that authorised push payment fraud cases are dealt with efficiently, consistently and fairly by both the sending and receiving bank. Where funds have fraudulently been taken from your account, we will work with the bank that received the funds, under an indemnity scheme to recover any remaining funds. |
https://www.bankofscotland.co.uk/securityandprivacy/protecting-yourself-from-fraud/bank-safely-how-we-protect-you.html |
| Ulster Bank |
• We are investing £100 million over 3 years to combat fraud to ensure we remain up to date with the latest fraud trends. • We use sophisticated technical profiling systems that measure things like: device, payment amount, biometric behaviours, location, and payment risk. All of this helps us to identify where there may be suspicious activity on your account. • Where our systems flag a suspicious payment, we will contact you to check if the payment is genuine. Most concerns can be resolved by phone, but we may also ensure you get the help you need by referring to one of our branches to speak to someone in person. • Our front-line staff are specially trained to question suspicious transactions that may be a scam. They are also trained in aftercare for those who have fallen victim to scams. • When you pay a new contact Anytime or mobile banking, you will be given scam advice and asked to acknowledge this before you make the payment. We also offer a sort code checker so that you can be sure your payment is going to the bank you expect. • We use biometrics, like fingerprint and facial recognition, to log into our mobile banking app as a secure method of authentication to check it’s really you logging in. • Sometimes we’ll ask you to provide a One Time Passcode (OTP), when you’re paying for something online or logging into Anytime banking. This gives us a second layer of security to ensure it’s really you making a payment. • We’ll ask you to input your PIN more often when you pay with contactless. It’s another way for us to keep money safer. |
https://digital.ulsterbank.co.uk/personal/security-centre/reporting-fraud.html |
