When you use your bank account you need to stay safe and secure.
Learn how to spot a scam, what to do if you are contacted unexpectedly, and get advice on how to stay safe.
Scam Text and Email Messages
Below you can find out how to protect yourself by spotting both a scam text and email message from a real one.
What to look out for:
- Unexpected sender - If you don’t know who sent a text or email message then it could be a scam.
- You need to act now - A genuine text or email message will be written in a reasonable and calm way. Scams may use warning messages, threats of fraud or problems with your account.
- How a text greets you – A Halifax text will include part of your name, account number or post code.
- How an email greets you – Halifax emails will always greet you by title and surname, as in Dear Mrs Smith. We always include part of your main account number, or part of your postcode if you don’t yet have an account number.
- Spelling mistakes - Scam texts and emails often look odd, with a messy layout and spelling mistakes
- The email address - All our email addresses end with halifax.co.uk. There should never be another word in between Halifax and .co.uk. This is a genuine email: email@example.com. This is a scam email: firstname.lastname@example.org.
- You’re asked to move your money - We will never text or email you to make a test payment online or to move money to a new sort code and account number. We will never ask you to move money to a secure, safe or holding account.
What you can do:
If you get a message that seems odd, you should follow these steps:
- Do not reply - Even if you think you know the sender, don’t reply to a text or email message if it seems odd.
- Do not open any links or attachments - Scam texts and emails can put a virus on your phone or computer.
- Call the company - If you’re not sure, phone the company on a number you trust or visit their website by typing their web address directly into the address bar at the top of your screen.
- Call us to make sure it’s genuine - Use the number on the back of your bank card and we can help to check the text or email message.
- Forward the message to our fraud team - Please forward any scam emails to us at email@example.com
- Forward the message to your network provider – You can use 7726 to report the scam text for free to your network provider.
Remember, if you’re not sure about an email or text message - do not reply and delete it.
We guarantee to refund your money (including charges and interest that you’ve paid or not received as a result) in the unlikely event that you experience fraud with our Online Banking service. We will take steps to protect you 24/7, using technology and safeguards that meet or exceed industry standards, but you must also use our online banking services carefully.
Being careful when you use our services includes, for example, that you:
- Do all that you reasonably can to keep your Security Details (such as online and mobile username, password, and memorable information) secure, and you sign out after each Online Banking session.
- Don’t let anyone else have access to your account or Security Details, or transact using them, even if they share a joint account with you through our Online Banking services.
- Tell us, as soon as you can if you think your Security Details have been lost, stolen, damaged or are being misused; or think someone may be accessing your accounts without your authority, or has discovered your Security Details.
- Carry out regular virus checks on your devices.
If you've been grossly negligent, we will not refund any money taken from your account before you have told us your Security Details have been lost, stolen or could be misused.
We won't give you a refund if you have acted fraudulently.
For further guidance on using our online banking services, see our Online Banking terms and conditions.