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
Can I get my money back if someone used my card?If someone has used your card in a store or online, you're covered under the Payment Services Regulations. The regulations state you must be refunded immediately if you've had money taken from your account without your permission.
What happens if someone else used my debit card?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.
How did someone use my debit card without having it?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.
Do banks have to refund Unauthorised transactions?Do banks reimburse stolen money? Banks and credit card companies usually reimburse stolen money, but they don't always have to. If you lose a debit card or have it stolen and don't report the fraud right away, it's possible your bank won't refund stolen money and you could be liable for some of the losses.
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