What’s card fraudCard fraud occurs when someone uses your bank cards or accounts to make purchases you didn’t authorise or know about. They do this by using your physical bank cards (whether lost or stolen) or card details that they’ve gotten hold of without your knowledge. Show
Here are the most common ways card fraud can occur:
Suspicious activity on your account?Message us immediately if you're worried about the security of your account. Our virtual assistant Ceba can help you lock your card or securely connect you to a specialist. How to message us
How did someone use my debit card without the card?Fraudsters can still use your debit card even if they don't have the card itself. They don't even need your PIN—just your card number. If you've used your debit card for an off-line transaction (a transaction without your PIN), your receipt will show your full debit card number.
How did someone access my debit card?There are several ways a crook could get a hold of your debit card number without actually having your card in their hands. They may have placed a skimmer on a gas pump or they may have phished you via email.
Can the bank find out who used my debit card?You can rest assured knowing that anyone who can process a debit card charge must have a merchant account, which is linked to personally identifiable information about the account holder. Banks make it fairly easy to find out exactly who charged your debit card.
What do I do if my debit card has been used fraudulently?Report a suspicious charge or debit immediately
Contact your bank or card provider immediately if you suspect an unauthorized debit or charge. If a thief charges items to your account, you should cancel the card and have it replaced before more transactions come through.
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