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Protecting yourself against fraud

What can you do to protect yourself against fraud?

You can help prevent fraud by following the key steps below:

1. Always verify

  • Before making any large payments, especially to new or unfamiliar recipients, always verify the details through a trusted and separate communication channel (e.g., calling the person or company directly using a known number).
  • Before making any large payments, try making a test payment to the recipient to ensure that your funds are going to the correct place.

2. Look for warning signs


  • Make sure to check email addresses and email domains for typos, to make sure that this information aligns with the company/individual you are dealing with.
  • Watch for typos, incorrect grammar, or unusual language in any communications — these are common indicators of fraud. Also be alert to suspicious links or unexpected attachments.
  • When given bank details - make sure that the account name matches the company that you are dealing with.

3. Be cautious of urgency


  • Scammers often create a false sense of urgency to pressure you into acting quickly without thinking. Always take time to verify any request for money — no legitimate organisation will penalise you for pausing to check.

4. Never share details

  • Never share your login credentials, passwords, PINs, or one-time verification codes with anyone — including someone claiming to be from your bank or account provider.

5. Call 1596. Report suspected fraud - If you think you have been targeted by or fallen victim to fraud, report it to Action Fraud (the UK's national fraud reporting centre) at actionfraud.police.uk or by calling 0300 123 2040. You should also contact your bank or account provider immediately so they can act to protect your account.

 

    • Our account provider - Modulr - is registered with Stop Scams UK. If your account provider is Modulr and you believe someone is trying to trick you into handing over money or personal details over the phone - hang up the phone and ring 159.
    • 159 works like 101 for the police or 111 for the NHS — it is a dedicated, secure number that connects you directly to your bank or account provider. Note: 159 is currently available for participating UK banks and financial providers only.