United Kingdom: How to Report Bank Fraud
If money left your account without your permission, or you were tricked into sending it, contact your bank or payment provider straight away. The faster they hear from you, the better the chance of stopping or recovering the money. Below are the official fraud and card lines for 9 providers in United Kingdom.
Do this first
- Call your bank’s fraud or card line now. Use a number from this page, the back of your card, or your bank’s official app. Never use a number from a text, an email, a caller or a search ad.
- Block your card or freeze your account in the app if you can, and change your online banking password.
- Ask the bank for a reference number, and write down the time you reported it.
- Report it to the police as well: see who handles cybercrime in United Kingdom.
- Keep everything: messages, call logs, screenshots and transaction IDs. Your bank will never ask for your PIN, password or a one-time code.
Know this about United Kingdom
- Report Fraud covers England and Wales. In Scotland, report fraud to Police Scotland on 101.
- Halifax is not on the published 159 list, and we could not verify a Halifax fraud number: call the number on the back of your card.
- The APP scam refund rules cover bank transfers only. Card, cash and cheque payments have separate protections.
Bank and payment fraud lines
HSBC UK
Bank- Fraud: card transactions, payments or scams:03457 404 404
- Fraud: card transactions, payments or scams, from abroad:+44 1226 261 010
- Premier customers:03457 707 070
- Lost or stolen card:0800 085 2401(24/7)
- Lost or stolen card, from abroad:+44 1442 422929(24/7)
App or online: To block your card, use the HSBC UK app or online banking.
Barclays
Bank- Fraud line: debit card or any other fraud:0800 3891 652(24/7)
- Fraud or debit card scam, from abroad:+44 160 452 9410(24/7)
- Scam: bank transfer, cash or cheque:0345 050 4585
- Scam: debit card payment:0345 734 5345
- Barclaycard fraud:0800 318 665(24/7)
- Barclaycard fraud, from abroad:+44 145 282 8309(24/7)
App or online: Barclays app: select the transaction, then 'Help with this transaction', and answer the questions.
Report phishing: [email protected]
NatWest
Bank- Fraud: personal and Travel accounts:03457 888 444(24/7)
- Fraud: personal accounts, Relay UK:18001 03457 888 444(24/7)
- Fraud: personal accounts, from abroad:0044 3457 888 444(24/7)
- Fraud: personal credit card:0370 333 9091(24/7)
- Fraud: personal credit card, from abroad:0044 126 850 8020(24/7)
App or online: In the app or Online Banking: select the transaction, then 'Report a dispute, fraud or scam'.
Report phishing: [email protected]
Royal Bank of Scotland (RBS)
Bank- Fraud: personal and Travel accounts:03457 242424(24/7)
- Fraud: personal accounts, from abroad:0044 131 549 8888(24/7)
- Suspicious call, or you shared your security details:03457 424 365(24/7)
- Suspicious call, from abroad:0044 289 053 8033(24/7)
- Fraud: personal credit card:0370 907 0010(24/7)
- Fraud: personal credit card, from abroad:0044 126 850 8020(24/7)
App or online: In the app or Digital Banking: select the transaction, then 'Report a dispute, fraud or scam'.
Report phishing: [email protected]
Santander UK
Bank- Fraud line:0330 9 123 123(24/7)
- Fraud line (freephone):0800 313 4321(24/7)
- Fraud line, from abroad:+44 151 264 8725(24/7)
App or online: In the app: tap the transaction you do not recognise, then 'Help with this transaction'.
Report phishing: [email protected], [email protected]
Nationwide Building Society
Bank- Fraud line:0800 055 66 22(24/7)
- Current account fraud, from abroad:+44 1793 65 67 89(24/7)
- Credit card fraud, from abroad:+44 2476 43 89 97(24/7)
App or online: In the app, 'Call Checker' (under More) confirms whether a caller is really from Nationwide.
Report phishing: [email protected]
TSB
Bank- Card fraud, or a card payment to a scammer:0800 023 4113(24/7)
- Card fraud, from abroad:+44 2074 812 567(24/7)
- Card payment to a scammer, from abroad:+44 1733 286 355
- Account access or bank transfer fraud:0800 096 8669
- Account access or bank transfer fraud, from abroad:+44 1733 462 206
- 159 (connects you to TSB):159
App or online: TSB app: select the transaction, tap 'Get help' and follow the steps.
Monzo
Bank- Customer care:0800 088 4040
- Customer care, from abroad:+44 20 3872 0620
App or online: In the app: tap the payment, scroll down, then 'Something wrong? Get help'. No app access? Use Monzo Web at web.monzo.com.
Starling Bank
Bank- Customer care (also for fraud):020 7930 4450(24/7)
- Relay UK:18001 020 7930 4450(24/7)
App or online: In the app: menu (top right), then Help, then 'Talk to Starling'.
Not listed here
We could not confirm contact details on the official website of: Lloyds Bank, Halifax, Revolut (UK). Rather than risk a wrong number, we leave them out. Use the number printed on your card or shown in the provider’s official app.
If your bank won’t help
159 (Stop Scams UK)
If you get an unexpected call about money, hang up and dial 159 to be put through safely to your bank. It cannot be spoofed by scammers.
Most UK banks take part, including Barclays, HSBC, Lloyds Bank, Monzo, Nationwide, NatWest, Santander, Starling and TSB. Halifax is not on the published list.
Official websiteReport Fraud (England and Wales)
If you are in England or Wales and lost money or were hacked through a scam or fraud, report it online or call 0300 123 2040.
Official websitePolice Scotland
If you are in Scotland and lost money to a scam or fraud, report it to Police Scotland on 101 or online. Call 999 if someone is in danger.
Relay UK users can call 18001 101.
Official websiteReport phishing emails and texts
Forward suspicious emails to [email protected] and suspicious text messages to 7726 (free).
Official websiteFinancial Ombudsman Service
Free. If your bank rejects your fraud or scam complaint, or has not answered within 15 days, you can take it to the Ombudsman.
Complain to your bank first. You must contact the Ombudsman within 6 months of the bank's final response. Helpline 0800 023 4567, Mon–Fri 8am–5pm.
Official websiteYour rights
- APP scam reimbursement (payments made on or after 7 October 2024). If you were tricked into sending money by Faster Payments or CHAPS, your bank must normally refund you up to £85,000, usually within 5 business days; claim within 13 months of the payment. Banks may deduct an excess of up to £100 (never for vulnerable customers), and can refuse if you were involved in the fraud or grossly negligent. Source
- Unauthorised payments. Tell your bank as soon as you notice a payment you did not authorise, and within 13 months; it should refund you by the end of the next business day, including charges and interest. If a lost or stolen card was used before you reported it, you may have to pay up to £35. Source
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in United Kingdom.
Every number on this page was read on the provider’s or regulator’s own website on 3 October 2026. Banks change numbers, so if one doesn’t work, use the number on your card or in the official app, and tell us so we can fix it. See every country in the Bank Fraud Help directory.