Branch finder

Fraud awareness and
prevention

What to look out for

  • Phishing involves an email claiming to be from your bank or other trusted institution. It will encourage you to follow a link within the email to try to get personal details from you. Often it will claim you need to act urgently to prevent your account from being compromised
  • Vishing is similar but is done over the phone, manipulating the caller ID so the call appears to be coming from a trusted institution
  • Fraudsters may impersonate organisations such as your bank or public services such as HMRC or the police
  • Scare tactics are often used to obtain information such as bank account numbers, passwords, your PIN or other personal information

How to avoid Phishing

Ignore Society e-mails that ask you to follow links to a site to confirm your online account security details. Never open suspicious emails or click on links in suspicious looking emails claiming to take you to a login screen. These e-mails and fake sites may look as if they're from Skipton Building Society but they are fraudulent.

Always check that when you login to Skipton Online your correct photo and phrase is shown to you, this is specifically an anti-phishing tool as each user has a unique photo and phrase which cannot be copied by fraudsters.

Always check the authenticity of the Skipton Building Society's online account site by checking its security certificate, which you can do by double-clicking on the padlock symbol on your browser.

If you think you've given away your security details ring Skipton Direct on 0345 702 5026*.

Keep your system and web browser updated. Manufacturers regularly release security patches when weaknesses are discovered in their systems and browsers. Ensure you have the latest updates at all times. 

How to avoid Vishing

Be wary of someone claiming to be from the police or a government agency. They may ask for your bank details to pay money into. The police or government wouldn't ask you to pay a fee or request bank details over the phone.

At Skipton we’re committed to helping you protect yourself against fraud.

We’re aware that individuals posing as Police, Government agencies or fraud prevention teams either at Skipton Building Society or other organisations are contacting people and encouraging them to transfer their savings to another provider while they claim to be investigating a staff fraud or similar activity.

This is a scam and the accounts the money is transferred into are controlled by the fraudster, allowing them to easily steal it. If this happens to you, please talk to us before acting. You may be told not to discuss it with us but this is part of the scam. Call us on 0345 850 1722 or visit your local branch. Please be aware that we may be unable to reclaim any funds you have willingly transferred out of your account.

What to look out for

  • 'Investment advisers' may bombard you with calls, letters or emails - often placing pressure to 'invest' quickly
  • You may also receive glossy brochures, investment certificates and a polished sales pitch. Details may be supported by professional looking websites and office addresses in high profile locations (e.g. the City of London, Canary Wharf or Mayfair areas)
  • Often they present offers as exclusive. You may be told that they shouldn't be discussed with others
  • They offer investments in 'unique' commodities. Typically wine, land banking, carbon credits, diamonds and graphite

What could happen

  • You may be promised high returns by investing which turn out to be worthless and you never see any return

What to look out for 

  • If you have been a victim of a financial crime previously, you may be contacted by someone claiming to be from the police or a government agency, offering to recover money for you for a fee. They may ask for your bank details to pay the money into

What could happen

  • If you provide any personal details over the phone or online, these scammers will then have access to your details and be able to extract money from your accounts
  • These organisations would never contact you in this way to request personal details. To avoid becoming a victim of phishing or vishing, you should contact the organisation using their official channels - not those provided in the email or phone call - and query the request

What to look out for

  • You may receive an unsolicited visit from a sales person or tradesman at your home who may claim to have identified home maintenance issues from just looking at your property. These may be false or an exaggeration of a minor issue
  • They may offer home improvement work (e.g. gardening)
  • If pressed into a conversation you may be pressured into agreeing to work at exorbitant prices and asked for payment upfront. 
  • An individual may try to befriend you in order to gain your trust and extract money from you that way

What could happen

  • Work may never be undertaken, only half done or completed to a very poor standard
  • You may end up giving these people money and receive nothing in return 
  • If you've fallen victim to this type of scam previously, your details might have been passed on and you could be approached with another type of scam

Our aim is to help you to avoid fraudsters gaining access to your cheques or using your cheques to pay for goods or services.

If you are making a cheque payment to your account, please do not make the cheque payable to 'Skipton Building Society'. The cheque should be made payable to the account holder and include their Skipton account number, if possible. 

You should draw a line through any unused space on the cheque so that unauthorised parties cannot add extra numbers or names. If the cheque is from another person or institution then you should ask for any future cheques to have your name and/or account number on it. 

A person's identity (and their ability to prove it) is central to almost all commercial activity. Organisations need to verify an identity before opening an account or issuing goods or services. They need to ensure that the person applying for credit is who they say they are and lives where they claim to live. In the UK, there is no single document used to prove identity.

At the moment, organisations use various pieces of information to verify an identity, including personal details such as:

  • name
  • date of birth
  • mother's maiden name
  • address
  • appearance on various databases e.g. the eligibility to vote; and 
  • National Insurance number

And also a mix of documents and records, including:

  • passport
  • driving licence
  • birth or marriage certificate
  • bank statement
  • utility bill
  • benefits/tax documents
  • payslips; and
  • educational qualifications

If fraudsters get access to enough information about you, they may be able to impersonate you and steal your identity. They could either open a new account or obtain new credit cards or loans using your identity, or 'take over' your own existing accounts by impersonating you and changing the address of your account.

The procedures used by organisations to check the information supplied by customers helps detect and prevent most identity fraud. However, some fraudulent applications are accepted due to the sophisticated techniques used by the fraudsters. Our specific requirements around requests for individuals to prove their identity can be found in our Proving Your Identity (PDF) document. 


We’re committed to helping you protect yourself against fraud and helping to raise awareness of some of the things you can do both online but also over the phone and in branch.

What to do if you've been scammed?

  • Stop any payments - contact your bank or building society immediately as they may be able to help stop the payment
  • Report the crime - phone the Police Action Fraud line on 0300 123 2040 or the Financial Conduct Authority (FCA) Consumer Helpline on 0800 111 6768 providing as much information as possible about what's happened
  • Beware of ongoing scams - if you've lost money or have been targeted by a fraudster, you might be approached again. This could be related to the original scam or be a new scam

Need help?

Phone If you suspect fraud please call us on: 0345 850 1722

Mon - Thurs
8am - 8pm
Fri
8am - 5.30pm
Sat
9am - 12pm
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