Phishing, Vishing and Smishing


Phishing is a type of deception designed to steal your identity. In a phishing scam, a fraudster tries to obtain from you information such as your credit card numbers, passwords, account information, or other personal details by convincing you to give it to them under false pretences. Phishing schemes are usually conducted via spam email or pop-up windows. If you suspect that an e-mail from your credit card company, bank, online payment service, or other website you do business with is not legitimate, don’t follow the links to the website from an e-mail message or open any attachments within the email.


Vishing is a deception via a phone call where the fraudster pretends to be calling from a bank or the police to trick you into revealing your financial and/or personal information and gain access to your bank or credit accounts. The “no hang-up” fraud is where the fraudster asks you to call back while they remain on the line. When you redial you are reconnected directly back to the fraudster. Remember we will never call you to ask for your pin number or to transfer money to another account and the police will never offer to collect your card from your home. Always dial back from a different phone line if possible.


Smishing is similar to phishing but is via SMS (text messaging). The fraudster will send alarming messages such as: “to avoid being charged £5p/m please follow the link below”. The link will usually redirect to a website that will either upload a virus to your Smartphone or ask you to input personal details such as your name, address, email address and some times even bank details in exchange for a refund for charges that have supposedly already been applied. This is becoming more common as Smartphone banking becomes increasingly easier and more convenient.

It is important to remember that, depending on the circumstances, we may be unable to refund transactions that were authorised by you whether deliberately or negligently. For example if someone else uses your card or pin, or if you disclose your pin or security details.