Text Message Phishing - Security Centre | Ulster Bank

Protect yourself against SMS phishing

What is SMS phishing?

This is when a fraudster sends a text message to say there's a problem with your bank account and ask you to call a phone number. If you do so, fraudsters will try to trick you into giving away your personal and security information. This is sometimes referred to as 'smishing'. 

Other messages may be from fraudsters pretending to be your bank, saying that personal information about you has been posted on the internet and ask you to visit a website. Using the link in the message may lead to an attempt to infect your computer or mobile device with a virus.

What do I do if I receive this kind of message?

  • Always delete text messages like this
  • Do not phone the number included in the message, as fraudsters will try to trick you into giving away personal information
  • Do not click on any links or type them into your browser, as your device or computer could be infected with malicious software
  • If you have already used a link, check your computer or mobile device as soon as possible to find out if a virus, spyware or other malicious software has been installed
  • Keep your computer's security software up to date.

If you think you've been a victim of fraud contact us immediately


  • We will never ask you for your full PIN and password by text or email
  • Smart phones will automatically convert some text to web page addresses - do not click on a link unless you are certain it's come from a valid source
  • We offer a text alert service to give you updates about your account, but we will never ask you for your full security details or direct you to a web page that asks you for your login details or to use a card reader
  • If we send you a text, we may direct you to our Alerts page or ask you to contact our Customer Services (without providing a number) or direct you to your branch.



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