Reporting fraud or scams

If you think you’ve been targeted by fraud or a scam, it’s important that you report it to us straight away. 

If there’s activity on your account you don’t recognise but you’re not sure if it’s fraud, read our helpful sections on this page to find out which steps you should take first.

Still concerned? You can call our fraud team anytime using the number in our helpful sections below.

Reporting your card as lost or stolen

If your card has been lost or stolen, please report it. We’ll immediately cancel that card and send a replacement to you in the post. 

Alternatively, if you’ve misplaced your Mastercard, you can freeze and unfreeze it in Mobile Banking instead of cancelling it right away. 

Read our lost and stolen cards page to find out the easiest ways to report your card as lost or stolen.

A card dispute is when you’ve used your credit or debit card to buy something but it’s not as you expected, so you want to get your money back.

We may be able to raise a dispute on your behalf to try and claim your money back, but it’s always best to contact the company in the first instance.

We’ll need some information from you to support your dispute. Please visit our disputed transactions page to find out more.

If you spot a transaction on your account you don't recognise, it could be where a retailer or business uses a different name, or it could be a case of fraud.

Take a look at our unrecognised transactions page to find out more. 

Report a fraudulent transaction

If you're still unsure about a transaction, call us on 0800 9 123 123 or if you're calling from outside the UK +44 1512 648 725. Our fraud team is available 24 hours a day. 

If you’ve shared your personal or security details after getting a suspicious phone call, text message or email, call us immediately on 0800 9 123 123 so we can help protect your accounts.

Spotting a suspicious call

No-one from Santander, even our fraud team, will ask you to give them your PIN or OTP (One Time Passcode). If someone asks you for this on the phone, it will be a case of fraud. Hang up and call our team on the number above. 

Telephone scams commonly pose as a bank, the police or some official department. They may give you fake details such as a crime reference number or force ID number and ask you to help with a fraud case, or tell you that there's been fraudulent activity on your account. A genuine bank (or organisation) will never contact you out of the blue to ask for your PIN, full password or OTP number. 

Please be cautious if an organisation asks for remote access to your computer. If you're asked to download software to allow them to fix, upgrade or protect your computer, be aware this enables them to see everything. You should never log on to Online Banking or any other sensitive site when this software is running.

Spotting a suspicious text message

Any text message which asks you to update your banking details or log on to your account will be fake. The text message may even appear in a thread of previous genuine messages from Santander, such as previously sent OTP numbers. This is easily faked and isn't proof that it's from us. 

A genuine bank (or organisation) will never contact you out of the blue to ask for your PIN, full password or OTP number. If a text message or call asks you to do this, it will be a case of fraud.

If you’ve received a suspicious text message that appears to be from Santander please report it to 

You can also report any suspicious text messages to your mobile network provider by forwarding the text message to 7726

Spotting a suspicious email

Email scams can be very convincing and look genuine. Here are some signs to spot a fraudulent email: 

  • The email is impersonal and addresses you by either 'Dear Sir/Madam' or uses your email address, for example, 'Dear'
  • The sender's email address doesn't match the website address or organisation name it says it's from 
  • They ask you to click a link to update your personal information
  • They tell you something is urgent and needs immediate attention 

Don't click a link in an email requesting your details. If you're even slightly unsure, phone the company directly (using a number on their main website) and tell them you've received a suspicious email. 

If you’ve received a suspicious email that looks like it’s from us, please report it to 

You can also report any phishing emails to the National Cyber Security Centre using their Suspicious Email Reporting Service (SERS) at 

You can read more detail about scams and how to spot them on our Spotting fraud or scams page or visit the Take Five website from Financial Fraud Action UK. 

There are times we may contact you to check a transaction is genuine. We use an automated service so we can reach you as quickly as possible for any potentially suspicious activity.

Receiving an automated phone call

  • The call will ask for some security details so that we know we’ve reached the right person. 
  • You'll be asked to confirm your name and then your date of birth. 
  • We'll then read out the transactions we want you to confirm. 
  • If you confirm you recognise the transactions, you can continue banking as normal. If any payments were declined, you'll need to make them again. 
  • If you don't recognise one or more of the transactions, you can speak with one of our team who will help you further. 

Please remember, we'll never ask for details such as your card PIN, Online Banking passwords and One Time Passcodes (OTP). If you're asked to share these, hang up and call us anytime on 0800 9 123 123.

Receiving an interactive text message

  • You'll receive 2 messages. 
  • The introductory message lets you know we need to confirm some transactions with you. 
  • This second message will give details of the transactions we want you to confirm. You'll be asked to reply to the message with ‘Y’ to confirm you recognise all the transactions, or 'N' to confirm you don't recognise one or more of the transactions. 
  • If you reply 'Y', you can continue banking as normal. If any payments were declined you'll need to make them again. 
  • If you reply 'N', we'll call you back as soon as possible between 8am and 10pm or we'll give you a number to call us on which is always available. 

If we can't reach you

If you aren't available, we'll contact you to let you know we have been trying to get in touch and ask you to call us back as soon as you can. 

We may need to stop or hold your account or payment until we can speak to you. This is to protect your money and keep your accounts safe.

Are your details correct?

To benefit from the added security of automated fraud monitoring, we need up-to-date contact details. Please check and amend the contact details we have for you in Online Banking, Telephone Banking or in a branch.

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