How to protect yourself and your card from fraud


If your card is lost or stolen, let us know straight away.


Top tips

  1. No one should ever ask you to share your one-time passcode (OTP). If you’re asked for this, it's probably a scam.
  2. Be conscious of the information you share on social media including through online quizzes. Criminals may use this information to commit fraud.
  3. Make sure your contact details are up to date as we may contact you to verify a transaction.
  4. Regularly check your bank statements to check you recognise transactions.
  5. Take the time to stop and think when you receive a request for your personal or financial information. A genuine organisation will not rush you for the information so take the time to think. You can call them back on a number found on their website to verify the call was genuine.


Protecting your card

  • Report any lost or stolen cards immediately using the Vanquis app, read our full Lost and Stolen guide
  • Check your card expiry date and call us on 0330 099 3000 (view our opening times and call charges) if a new card has not arrived when it should
  • Contact us if your card is unexpectedly retained by a cash machine


Protecting your PIN

  • Always cover your card PIN to prevent anyone from seeing it
  • Change your card PIN immediately at a cash machine if you suspect someone knows it. If you need more support with your PIN, you can visit our help with your PIN pageUse something you can remember easily but isn't something obvious like your date of birth
  • Never reveal your card PIN to anyone, this includes writing, recording or speaking it anywhere. Vanquis will never ask you for this
  • A criminal may call you and ask you to type the PIN into your phone's keypad saying it’s a more secure method. Never enter your card PIN into your keypad. If you are asked to do this, it is a scam and you should hang up


Protecting your identity and your personal details

  • Never write down your security details. This means things like your national insurance number, card PIN or online banking password
  • Never use the same password for your social media and banking accounts. Use a different password for all accounts
  • Shred or destroy all documents that contain your name, address or other personal information that you no longer need
  • Set up mail redirection if you move house
  • Close old accounts that you no longer use
  • Regularly check your credit file to ensure you recognise the details and the accounts listed. The three main credit reference agencies are Experian, Equifax and Transunion
  • Keep your contact details up to date with us. We might contact you to confirm if a transaction was made by you


Protecting your device

  • Install an antivirus and make sure it's up to date
  • Install system updates
  • Keep your firewall turned on
  • Password protect your devices

View our opening hours and call charges information here.