Protect yourself online

Protect yourself by using security settings, PINs and passwords wherever you can. Think carefully about what you post in tweets, on Facebook, Instagram and other social media.

Think about what information you should not share online and how you can keep your account as safe as possible.

Passwords are key to online security on your Online Banking, computer, tablet and smartphone. Choose secure passwords, don’t share them and change them often.

Help us help you

Your personal information is in safe hands. With some of the best anti-fraud systems around, we’ve made sure our Online Banking services are as secure as possible. Plus our online fraud guarantee means you’re covered if anything goes wrong. It’s all part of our promise to protect our customers.

Scroll down for more information about all of our security features, plus tips for protecting your money while shopping online.

Following a few simple steps can help to protect against fraud. Keep these in mind when shopping online.

Know your seller

It’s never been easier to shop around. With new online retailers popping up every day, it can be difficult knowing which ones to trust. If you’re thinking of buying something from a new website – or one that you haven’t used before – first check out their previous customer reviews.

A secure website will display an intact key or padlock in the address bar and the address will normally begin ‘https’ (instead of ‘http’) – the “s” standing for secure. A secure website will encrypt your personal data before sending it online, making sure no one else can access your card details.

An intact key or padlock = secure
A broken key or padlock = not secure

Read the small print

You’ve finally found what you’re looking for and are ready to hit ‘buy’. But wait, because a lot of websites will include hidden charges, delivery and returns policies. Before placing your order, make sure you have read the terms and conditions and scrolled through the whole of the webpage. Most websites will also include a frequently asked questions page (FAQs), covering any other queries you may have about your order.

Delivery and returns
The cost and method of delivery, as well as details related to returns, should be included in the site’s Delivery and Returns Policy. Remember that returning goods to overseas suppliers can be expensive.

Additional charges
The price you’re shown might not include VAT, customs duties, delivery or postage and packaging. Make sure you understand all charges included in the transaction before deciding to buy.

Out-of-stock items
Be careful when buying items listed as out of stock. Estimated arrival times might be unreliable. Many websites now offer a ‘stock alert’ service and will email you when an item is available rather than taking money in advance.

Stay secure

Never send your credit card or bank details over email. Email may not be encrypted and could therefore be intercepted. Sharing your passwords with other people leaves your account vulnerable to fraud. Keep all passwords secret, including those used for all online shopping accounts. Never give your credit card details to any other person for use online. Also, always sign out correctly, especially if you’re sharing a computer or device.

Check your statements

Take the time, even if it’s five minutes to check your bank statement each month, it could help to protect against fraud. Check that your payments match your online shopping history and remember that some companies might appear on your statement under different names. Contact us if there are transactions you don’t recognise.

Keep a record
Print off and store a record of the times you’ve been asked to enter your personal details. Keep a record of the terms and conditions and any special offers as information online can change. Keep a record of email confirmations and receipts. These documents can be used as proof of purchase when challenging transactions, deliveries, products and services.

Be prepared

It’s rare, but if something goes wrong it’s important to know what to do. If payments appear that you don’trecognise, or if you believe you’ve been sold fake goods or haven’t received the goods or services you paid for, first contact the seller. If the dispute cannot be resolved in this way please call us on the number on the reverse of your credit card.

Make your password as secure as possible:

  • Never let anyone else use your Online Banking. Not even if you share a joint account. And never let anyone know your password or 2nd password (your 'memorable information')
  • Use a different password for every website. If your data is stolen from any of the sites you use and your passwords are the same, criminals will try them on other accounts (like bank accounts). This is often referred to as a “hack” or a “data breach” in the news.
  • Don’t use anything obvious. Choose carefully; don’t make it too short or easy. Don’t use your child or pet’s name, birthdays or anything else that can easily be guessed.
  • Create a strong password. An easy way to create a strong password is to combine three completely unrelated words. For example: Radio, Marmalade and Sunny together make Radiomarmaladesunny. (But obviously, don’t use this specific example)
  • Try not to write passwords down. If you have to – avoid writing them down in full, keep them in a safe place and don’t mention what they are for.
  • Don’t recycle passwords. Like going from password2 to password3.
  • Make it harder for criminals to access your computer, tablet and smartphone by protecting them with PINs and passwords. Use a different PIN and password for every device or for every site you visit.

If you think anyone else knows your Online Banking password, report it immediately. 

Follow these simple tips to stay safe online:

  • Always think twice before sharing information online. Could a criminal use the information to guess your passwords or commit identity theft?
  • Set your account to private on social media. Don’t forget to check your privacy settings on websites like Facebook and Twitter regularly.
  • Only connect on social media with people you know in real life. Remember that your friends’ real accounts might be ‘cloned’ by a fraudster. If you’re not sure, contact your friend directly.
  • Check a person’s identity if you get a strange request on social media or by email. Remember that your friends’ real accounts might be ‘hacked’ by a fraudster. Don’t respond if you’re unsure who you’re talking to. Don’t send money or share your account details.

Be cautious when you register on other websites and forums. Personal information like your date of birth, mobile number, address and information about your family can used for identity theft and to hack your account.

Think you are a victim of online fraud?

Money has fraudulently left your Halifax account or someone knows your Online Banking password For any other issues that you think may be related to fraud

Step 1:

Report it to us

0345 602 2160

(Lines are open 24 hours a day) +44 1132 888 408 from outside the UK

If you have a hearing or speech impairment, you can contact us 24/7 using the Next Generation Text (BGT) Service. If you’re Deaf and a BSL user, you can use the SignVideo service

Step 2:

Report it to Action Fraud

0300 123 2040

Lines are open Monday to Friday 9am-6pm. Text phone users can ring 0300 123 2050.

    Report it to Action Fraud

    0300 123 2040

    Lines are open Monday to Friday 9am-6pm. Text phone users can ring 0300 123 2050.

    They’ll be able to log the incident and provide you with a Crime Reference number if needed. Action Fraud collect data from across the UK to help banks and other businesses combat fraud.