Stay safe and protect yourself against fraud | Ulster Bank

Stay Safe from fraud

Stay safe from scams & fraud

Helpful hints and tips to protect yourself against fraud

Stay safe from scams & fraud

Helpful hints and tips to protect yourself against fraud

Current Fraud Trends - Please Read!

Criminals are always looking for new ways they can get you to part with your money and personal details, so it’s really important you know how to spot these fake requests.


They are currently sending fake emails or text messages, pretending to be from companies you trust such as the TV Licensing authority, subscription services or even the Bank.  They want you to click on links in order to get your personal information. You should never take an unexpected request at face value and should always look to verify it independently. Some of the ways you can do this are as follows: 


- Looking for personal identifiers in emails. We'll always use at least 2 pieces of information (such as your name and partial postcode) to show it's us contacting you. 


- If you receive an unexpected request from a trusted company, you should contact them independently on a different number or check their website for the latest scams. 


- To protect yourself and your money always think twice before clicking on any unexpected emails or texts.  


To find out more, please read our more detailed fraud guides below.


Christmas delivery scams

Send delivery scams packing! If you’ve done your Christmas shopping online, you’ll now be swamped with text and email delivery updates. But keep a close eye on them. Fake delivery notices are being reported by customers right now and we don’t want anyone to be caught out. Please share this with loved ones who may not be on social media.

What to look out for: 

Any message stating a driver has tried to deliver your parcel and asking you to click a link to reschedule. Then, being 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.


How to stay safe:


  • Double and triple check delivery messages.
  • Make sure they link up to genuine orders. Does the message mention the goods you ordered or the company you ordered from?
  • Check the message addresses you by name rather than just your email address or a basic ‘Dear customer’.
  • Look for tell-tale signs such as spelling and grammar mistakes.
  • Don’t submit any personal info like date or birth, card details or mobile number. Genuine delivery messages don’t ask for this and don’t ask for payment to re-deliver parcels.
  • Delete anything dodgy, especially if you’re not expecting a delivery, and if you’re not sure, don’t click the link. Delete the message and get in touch with the retailer you purchased from.
Add your signposting title here… Latest threats and scams

Facebook Live

Add your signposting title here… Staying up to date

Scammers are always looking for new clever and convincing ways to trick people, so keep up to date with the latest updates and keep your personal and banking details safe. 

For all the latest fraud and scam insights including real life examples follow us on social media and we'll keep you updated on what to look out for. 

We run regular Facebook live sessions, so why not join us and stay ahead of the fraudsters.




Other types of fraud and scams

Holiday scams

As travel providers and attractions prepare to re-open, scammers are targeting holiday-goers. Look out for offers that are too good to be true and scammers contacting you posing as travel providers. Be wary of any ‘refund’ websites asking for personal information.

Hot tub scam

Scammers are taking advantage of people spending time in their gardens during lockdown by convincing you to splash out on hot tubs. They offer a great deal and ask you to pay a deposit directly into their account. But after you’ve paid, your hot tub will never turn up.

Coronavirus tax relief

Criminals are sending messages saying you’re entitled to tax relief due to Coronavirus – but it’s a trick. This takes you to a fake HMRC page that’s designed to look genuine, you'll be asked to enter your postcode and then personal information. 

Investment Fraud

Investment fraud

Investment fraud is any scheme or deception relating to investments that affect a person or company. As traditional investments become less popular due to lower returns, high yield investments have become more attractive to fraudsters.  

Find out more about investment fraud

Romance Scams

Romance Scams

This type of fraud is when you think you’ve met the perfect person online, but are not who they say they are. Once that person has gained your trust, they ask for money for a variety of emotive reasons.

Find out more about Romance Scams (opens in new window)

ATM Fraud

ATM Fraud

We see two main methods used by fraudsters to target ATMs – skimming and card trapping.

In a skimming attack, a criminal fits a small device in the card slot of the ATM. This little gadget captures the data from the magnetic stripe on the back of a bank card. Having also copied the PIN using a concealed camera, the fraudster puts this stolen bank card data onto the magnetic stripe of another card – a mobile phone top-up card, for example – which is then used to make cash withdrawals, usually overseas.


Card trapping occurs when a device fitted to the card slot prevents your card from being returned to you. Once you’ve left the machine, the fraudster prises the device off, taking your card.


Find out more about ATM fraud

Top 5 ways to keep yourself safe from fraud
Add your signposting title here… Take Five to Stop Fraud and Scams

Take Five To Stop Fraud is a national campaign from Financial Fraud Action UK and the UK Government, backed by the banking industry coming together to tackle fraud.


Stop and think

Requests to move money: A genuine bank or organisation will never contact you out of the blue to ask for your PIN, full password or to move money to another account. Only give out your personal or financial details to use a service that you have given your consent to, that you trust and that you are expecting to be contacted by


Clicking on links/files: Don’t be tricked into giving a fraudster access to your personal or financial details. Never automatically click on a link in an unexpected email or text


Personal information: Always question uninvited approaches in case it’s a scam. Instead, contact the company directly using a known email or phone number.

Take the scams quiz
Keeping you and your business safe from fraud and cybercrime

We know how important it is to protect you and your business from fraud. That’s why we’ve created our ‘Detect and Protect – Fraud and Cybercrime’ booklet. You can read and download it for free 

It gives you:

  • insights, facts and figures on how fraud has impacted the market and ways it could affect your business
  • hints and tips on how you can protect your business when using Bankline or Anytime Online Banking
  • information to help you stay one step ahead of the fraudsters.
Detect and Protect (PDF, 1MB)
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