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Virgin Money is fully supportive of the ‘Take Five’ campaign being run by Financial Fraud Action UK and the five rules designed to keep you and your account safe and secure.
It’s all about taking time to stop, think and remember the basic rules you probably already know, but might forget if you feel flustered, pressurised or rushed into sharing information.
Take Five: Rules to keep you and your account safe and secure
Never disclose security details, such as your PIN or full banking password
A genuine bank or organisation will never ask you for these in an email, on the phone or in writing. Before you share anything with anyone, stop. Then pause to consider what you’re being asked for and question why they need it. Unless you’re 100% sure who you’re talking to, don’t disclose any personal or financial details whatsoever.
Don't assume an email, text or phone call is authentic
Just because someone knows your basic details (such as your name and address or even your mother’s maiden name), it doesn’t mean they are genuine. Be mindful of who you trust – criminals may try and trick you into their confidence by telling you that you’ve been a victim of fraud. Criminals often use this to draw you into the conversation, to scare you into acting and revealing security details. Remember, criminals can also make any telephone number appear on your phone handset so even if you recognise it or it seems authentic, do not use it as verification they are genuine.
Don’t be rushed – a genuine organisation won’t mind waiting
Under no circumstances would a genuine bank or some other trusted organisation force you to make a financial transaction on the spot; they would never ask you to transfer money into another account for fraud reasons. Remember to stop and take time to carefully consider your actions. A genuine bank or some other trusted organisation won’t rush you or mind waiting if you want time to think.
Listen to your instincts – you know if something doesn’t feel right
If something feels wrong then it is usually right to question it. Criminals may lull you into a false sense of security when you are out and about or rely on your defences being down when you’re in the comfort of your own home. They may appear trustworthy, but they may not be who they claim to be.
Stay in control – don’t panic and make a decision you’ll regret
Have the confidence to refuse unusual requests for personal or financial information. It’s easy to feel embarrassed when faced with unexpected or complex conversations. But it’s okay to stop the discussion if you do not feel in control of it.
Take Five: Rules to stay safe when shopping online
Take Five before you buy. If you’re using a retailer for the first time, always take time to research them before you give them any of your details. Be prepared to ask questions before buying
Trust your instincts – if an offer looks too good to believe then there is usually a catch. Be suspicious of prices that are too good to be true
Be sure you know who you are dealing with. Always access the website you are planning to buy from by typing the address into your web browser, and be wary of clicking on links in unsolicited emails
Look for the padlock symbol in the address bar. It’s a good indication that they’re reputable
Only use retailers you trust, for example ones you know or have been recommended to you. If you’re buying an item made by a major brand, you can often find a list of authorised sellers on their official website
You're only at risk if you click on links in the email or provide the information requested. We can't reply to every phishing email we receive, but we do investigate them to make sure fraudulent sites are closed down as quickly as possible.
Learn about different types of fraud
Fraudsters will try many ways to gain access to your account or trick you into passing across valuable personal information.