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To beat fraud always think twice
Learn how to protect your business, suppliers and customers from loss.
Always think twice and make double checking second nature.
Watch out for coronavirus scams
Criminals are exploiting the spread of coronavirus to attempt various types of fraud and cyber attacks. These are the most common:
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Email fraud ‘Phishing’
Fraudsters are sending out coronavirus-themed phishing emails to trick people into opening malicious attachments or revealing sensitive personal and financial details.
These emails purport to be from medical or government research organisations who contact potential victims by email.
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Purchase scams
Watch out for emails, social media posts, texts or phone calls offering you a deal for products relating to coronavirus. It could be anything from facemasks and vaccines to access to testing kits. Any deals that look too good to be true usually are.
These approaches are very likely to be criminals trying to get their hands on your money or personal details. Make sure you don’t give them what they want.
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Bogus Boss 'Email spoofing’
Bogus emails are sent to staff claiming to be from a senior member of staff within the organisation such as a Director, CEO or Chairman etc. requesting an urgent payment.
They will often say that the payment is needed due to exceptional circumstances such as urgent cleaning or medical supplies are required to counter coronavirus.
Remember these tips to help keep your business safe
Never rely on just an email to validate a payment. Contact the sender on a trusted number.
The bank will never telephone asking you to transfer money to a new account.
If you receive a request from a supplier to update bank account details, always call back to check it's genuine.
Scams to watch out for
Invoice redirection
Have you received an unexpected request to change bank details from a supplier?
Phishing emails
Have you received an unexpected email asking you to take action?
Bogus Boss
Have you received an urgent request to transfer funds from a colleague that doesn't seem right?
Cyber threats
Fraudsters are known to use malicious software to compromise your devices.
Telephone fraud
Fraudsters are known to impersonate the bank and other trusted organisations to trick you.
Need to report a fraud?
To get the help you need as soon as possible, it's important that you contact us on the right number.
Here's what to do:
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Commercial Banking fraud reporting
Is this the right number for me? Commercial companies will typically have:
· Over ten employees
· A relationship manager
· Turnover of over £2m per year
· A Bankline profile
Call: 0800 161 5157
Relay UK: 18001 0800 161 5157
If you're outside the UK, call: +44 0126 850 2401
Our lines are open 24 hours a day.
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I'm reporting fraud on a Business Credit Card
Call: 0800 161 5164
Relay UK: 18001 0800 161 5164
If you're outside the UK, call: +44 345 300 4351
Lines are open 24 hours a day
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Business Banking customer fraud reporting
Is this the right number for me? Business banking customers will typically have:
· Less than 10 employees
· Turnover under £2m per year
· Anytime Banking
Call us on: 0345 300 3986
Relay UK: 18001 0345 300 3986
If you're outside the UK, call: +44 125 230 8047
Our lines are open Monday to Friday 8am-8pm, Saturday 8am-6pm, Sunday 9am-5pm.
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I need to report fraud on my Personal account
Visit the Personal security hub to report fraud on your bank account and the latest advice for customers.
Tell us about suspicious emails, phone calls or texts
Fake Ulster Bank emails
If you've received a suspicious email which claims to be from us, please forward to phishing@ulsterbank.com
Bogus bank calls
Have you received a suspicious call? Are you worried you’ve given away personal information? Call us now on 03457 424 365 (+44 289 053 8033 if you are overseas). Our lines are open 24 hours a day.
Suspicious texts
Have you received a suspicious text claiming to be from Ulster Bank? Send it on to 88355. Standard network rates apply.
Bankline security
Customise your security
Dual controls to protect your payments
Customise payment limits
Set what each user can do
Bankline is available to Ulster Bank business current account customers. Fees apply.
Make the most out of these Bankline features
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Set dual controls
Dual controls let you decide where a second approver is needed to make a payment or system change.
When switched on, another user will have to authorise the action, making it much harder for criminals to get at your money. These settings help protect against fraud, vishing and malware attacks. We strongly recommend you use them.
There are three kinds of dual controls. Find out what they control and how to use them here:
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Customise payment limits
Payment limits give you extra control of your outgoings and help protect your profile from fraud and misuse. As they’re customisable, you can set them at the right level for your business and change them over time. We strongly recommend you do so.
You can set:
- A gross daily payment limit
- A maximum payment amount
- Individual user limits
- Thresholds where dual authorisation and smartcard approval is required.
Bankline administrators can set and change these limits. For help and more information, visit:
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Manage user access and roles
Set what different users can see and do by assigning them customised roles. This means users only have access to do what they need to. It puts you in control and limits what a criminal could do, even if they got access.
- Create a role using sets of ‘privileges’ or adapt from our pre-set ‘Master’ roles
- Link the role to specific accounts
- Assign the role to the users who need it
Administrators can create, assign and change roles. For more information visit:
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Get Thor Foresight Enterprise
We can offer Bankline customers one free license of the security software, Thor Foresight Enterprise by Heimdal. Thor provides extra protection from financial malware, ransomware and other cyberattacks, and will work with your existing antivirus software.
One license covers up to 10 devices. If you choose to install on more than 10, fees will apply.
You can find out more and download Thor here:
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Working with the NCSC to help SMEs
We’re collaborating with the National Cyber Security Centre (NCSC) to bring you the latest cyber security advice and support.
The NCSC guide for small and medium sized businesses is an excellent place to start. It provides simple steps you can take to improve your security.
You can also test your business’s readiness and practice your response with the NCSC’s online tool.
Protect your business
Further help and information
Our fraud prevention philosophy
Our fundamental purpose is to keep our customers’ money safe and secure. We're committed to combating fraud and scams.
Authorised Push Payment Scam Code
Learn more about the Authorised Push Payment (APP) Scam Code and what it means to your business.
Take Five - To stop fraud
Take Five is a national campaign that offers straight-forward advice and resources to fight financial fraud.