Report fraud

What to do if you think
you're a victim of fraud
or a scam

Check if you've been a victim of fraud or a scam and how to report it

There's a few tips below to help check if you've been the victim of fraud or a scam. If you have, there's some easy steps to report it and you can also send us details of suspicious emails, calls, texts or websites.

Steps to take first

The following checks will ensure you can resolve any concerns quickly and through the right channels. There can be a number of explanations for a transaction that you might not immediately recognise and we’ve added the most common ones below so please check these before reporting it as fraud. If you're still unsure, please report it and we'll take a look.

1. Payment you don't recognise? Could it be

2. Not received goods or services you've paid for by debit or credit card?

The first step in making a claim is speaking to the retailer to see if they can resolve, if you’ve tried to contact the company and still need our support you can raise a dispute with the company here

3. Report fraud

After completing the above steps, if you believe you've been the victim of fraud or a scam, we want to help as quickly as possible. To speed the process up, please try and have as much information about the transaction or event as possible, before you get in touch. 

Report a Fraud: A fraud is where you have identified suspicious activity on your account, this may be regarding a transaction that you didn’t knowingly make or an update to your contact details that wasn’t done by you.

Report a Scam: A scam is where you have knowingly parted with your money and/or personal details with the expectation that you were dealing with a genuine person/company. This may have been done through intimidation, promises of cash, prizes, services, fictitious returns on investments and even romance.

4. Find the number you need to get in touch

Personal bank account

Call: 03457 24 24 24 (24 hours, 7 days a week)

(Relay UK 18001 03457 24 24 24)

If you're outside the UK, call:

(0044) 131 549 8888

The cost of your call will depend on what phone line you are using. See our call charge information page

Personal credit card

Call: 0800 161 5153

(Relay UK 18001 0800 161 5153)

If you're outside the UK, call:

(0044) 126 850 8020
Lines are open 24 hours a day

You can reverse the charges on calls from abroad through the international operator when calling from a landline. Calls may be recorded

Business customers

If you’re a business customer, visit the Business security hub to learn about protecting your account, or report fraud on your business bank account and business credit cards

Tell us about suspicious emails and texts

Further information about dealing with suspicious emails and texts that you’ve received or responded to can be found using the links below:

Remember, we'll never ask for your full PIN and full password by text, email or on the phone.

Suspicious emails

If you have received a fraudulent or suspicious email which you have not responded to, please forward the email to phishing@rbs.co.uk

Suspicious texts

Forward any suspicious texts referring to Royal Bank of Scotland or RBS to the number 88355.

This is not a premium rate number. Standard network rates apply, please contact your network provider for more information on charges.

Common questions

Something else we can help you with?