Protecting you against fraud is our priority. We work tirelessly to keep your money and identity safe and to help you spot anything suspicious.
If you suspect fraud or have any concerns, call our Fraud team any time 24 hours a day on 020 7770 0011. You can also speak to your Coutts adviser.
If you receive a fraudulent or suspicious email, please forward it to firstname.lastname@example.org. If you have responded or clicked any links call us immediately.
If you receive a suspicious text message, please forward it to 88355. Again, if you have responded or clicked any links, call us straight away.
Phishing is a method used by fraudsters to access valuable personal details, such as usernames and passwords which can have a monetary value to criminals.
Phishing can also involve sending malicious attachments or website links in an effort to infect computers or mobile devices (this is known as malware - malicious software). Very often these appear to be authentic communications from legitimate organisations. Embedded links within the message can direct you to a hoax website where your login or personal details may be requested. You may also run the risk of your computer or smartphone being infected by viruses.
Once your personal details have been accessed, criminals can then record this information and use it to commit fraud crimes such as identity theft and bank fraud.
Phishing messages generally try to convince the recipient that they are from a trusted source.
This technique is used by criminals to use personal information to earn trust and lower the intended victim’s defences increasing the chances they may open attachments or embedded links.
Reporting suspicious emails
If you have received a fraudulent or suspicious email, and not responded to it please forward the email to email@example.com
However, if you have responded to the e-mail, and/or you suspect that any of your accounts with us have been accessed online by someone other than yourself, please contact our dedicated fraud team immediately on 020 770 0011.
How to protect yourself against cheque fraud:
- Don’t accept cheques from anyone unless you know and trust them, especially when of a high-value. Consideralternative means of accepting payment for high-value items – electronic payments are ideal.
- Be especially wary if the buyer is unwilling to pay or split the relatively small cost involved involved in sending electronic payments are ideal.
- Before releasing any goods ensure you are fully aware of the cheque clearing timescales and if you are in any doubt about whether a cheque has cleared then call Coutts 24 on 020 7957 2424.
- Keep your cheque book in a safe place and report any missing cheques immediately.
- If posting cheques consider consider confirming receipt with the beneficiary or send by secure post.
Scams Involving Cheques
Counterfeit cheques are manufactured or printed on non-bank paper to look exactly like genuine cheques. Usually the bank details quoted are correct. Fraudsters may send the cheque to you, or directly to the bank requesting that it be credited to your account without you ever seeing the physical cheque.
A common method used by fraudsters is known as ‘overpayment’. This is when you are paid for more than the agreed value using a fraudulent cheque. The fraudster will likely provide an excuse for the additional amount and request that the difference is sent back to them before the cheque has cleared, leaving you potentially out of pocket. This type of scam has targeted business and individuals, especially those who buy and sell items online.
To protect yourself when using social media:
- Be aware what personal information you share on social networking sites, for example, date of birth
- Children can be targets who unwittingly reveal personal information, such as birthdays, schools, holidays and pet names to ‘friends’.
- Media and press interviews can be used to quickly build up a picture of an individual, when taken with information available through social media.
- Don’t let your audience know if you’re going away on business or holiday.
- Be aware of what friends post about you and your family’s activities.
- Be aware that sites such as Instagram, Pinterest and YouTube can carry the same risks as Facebook and Twitter.
- Understand your security settings and who you're sharing your information with.
A variety of ‘harmless’ communications in different formats can be used together to steal your identity or commit fraud.
If you are concerned about someone using your identity, here are some useful links.
Checking your credit file
Fraud Prevention Service
- Ensure that your operating system and software are kept up to date.
- Anti-malware application/software are able to assist recovery of your device or remotely wipe its data.
- Always enable PINs or password to access your device in the event that it is lost or stolen.
- When purchasing online only use secure websites – those with an address beginning with https:// where the padlock symbol is displayed.
- Be wary of clicking on links or attachments in emails, particularly if you are not expecting to receive it
- Not all phishing e-mails are sent to large groups of random people.
- Spear-phishing is a term used when fraudsters target a specific individual with an email and attachment that the target is more likely to open as it will typically contain something of interest.
- For example, an email purporting to be from your gym with changing opening times, or a parcel that could not be delivered to you.
- Never provide your personal details, including your card details, online username or passcodes in response to an email or telephone call.
- CouttsID offers an easier and more efficient way of logging into Coutts Online, authorising payments and making changes to your contact details. CouttsID replaces the need for you card and card reader. To find out more on how to register please visit coutts.com/digital
Credit check agencies
Provides fraud prevention services to individuals and organisations using the latest technology
Offers free, impartial and independent advice relating to fraud and other topics.
Financial Services Register
A public record of all firms, individuals and other bodies that are regulated by the Financial Conduct Authority.
Financial Conduct Authority
The FCA regulates the financial industry in the UK.
Online fraud is becoming increasingly sophisticated, with malware and phishing allowing cyber criminals to access computers, account numbers and other personal information. Antivirus software is vital for your security, but criminals are constantly seeking new and smarter ways to steal your identity and take money from your bank account.
We recommend Rapport security software – a cost-free security solution from Trusteer. Rapport works to shield online banking details, safeguard your identity and protect your details, even if your computer is infected. Rapport stops fraudsters in their tracks without relying on constant updates, and is designed to act efficiently without slowing down your computer.
Rapport works alongside antivirus software and a firewall, each playing a vital role in making it harder for fraudsters to intercept your login details:
- Antivirus – helps to stop threats by scanning your device and looking for suspicious files. Install anti-virus software on all of your devices (eg computers, tablets and phones) and update it regularly
- Firewall – hides your computer from attackers and helps stop criminals getting data in and out of your computer
- Rapport – locks down the connection between your machine and Coutts. Rapport checks our site is genuine, and stops your data going to counterfeit sites