Fraud guides

Be in the know and better protect yourself

Ways fraudsters could contact you

Fake telephone calls

Fraudsters call often pretending to be from the bank and encourage you to give your personal details, such as PIN, Mobile Banking and card reader codes.

Fake emails

Fraudsters send emails pretending to be from a trusted organisation but they’re asking you to give away personal information.

Text message fraud

Fraudsters send texts pretending to be from a trusted organisation telling you a payment hasnt been received, all in the hope of tricking you into giving away your personal and security information.

Latest trends on the rise

See straight through fraud and scams. Here are the latest ways dishonest people are trying to trick you into handing over your money.

Delivery scams

You receive a message stating a driver has tried to deliver your parcel and asking you to click a link to reschedule. You're then asked to enter sensitive info like your date of birth, mobile number and card details. If you submit personal data, scammers could use it to call you up or access your bank account. 

Fake Ulster Bank text messages

We've had reports that customers are getting text messages claiming to be from us to say your phone number has been updated and gives a link to click if this is incorrect. The link takes you to a site where they'll try and steal your banking information. 

Covid scam advice

We’ve seen an increase in criminals exploiting the coronavirus. Find out more on the various tactics they have been using

See how convincing fraudsters can be

Watch our video showing some examples of fraud and scams and what to look out for.

When offers are too good to be true.

Purchase scams are when fraudsters target you with tempting offers on phones and goods. These ads come across as very convincing and ask you to pay for items that will never arrive.

Other types of fraud and scams to watch for

Identity theft

Fraudsters get hold of enough personal information about you in order to impersonate you.

Social engineering

Fraudsters manipulate people so that they hand over personal information such as, passwords and banking details.

Sim swapping

Fraudsters gather enough information about you and convince mobile networks to move your mobile number to their device, giving them access to personal passcodes code.

ATM & Cash machine fraud

Criminals use cash machines to steal your data and even your credit or debit card to make fraudulent transactions.

Impersonation scams

Criminals impersonating the Bank or Police is one of the most common scams we see. It can have a devastating impact on victims so it's vital you can spot these before it's too late.

Get-rich-quick and refund scams

Criminals advertise services online to show how you can get quick cash for cancelling a direct debit. However, these claims are false, and you’ll be left out of pocket.

Fraud and scams that target your investments.

Pension scams

Targeting those who have access to their pension. People are encouraged to move their funds with the promise of better returns, the funds are usually stolen.

Investment fraud

Criminals often make promises of great returns when investing in their schemes, which often don't exist or are worthless. 

Crypto currency Scams

Emails asking to send money or trying to blackmail you into, referral schemes, or bogus investment and business opportunities

Take Five To Stop Fraud

Led by UK Finance, Take Five is a national campaign that offers straight-forward and impartial advice to help everyone protect themselves from preventable financial fraud.

Criminals are experts at impersonating people, organisations and the police.

They spend hours researching you for their scams, hoping you’ll let your guard down for just a moment.

Fraudsters are turning to more sophisticated ways to take your money, whether through online offers, emails or telephone calls. Can you outsmart them? Put your ability to spot a scam to the test with the Take Five quick quiz