Suspicious emails and text messages

Have you received an email or text message from someone you don’t know? Are they claiming to be from a well-known company or organisation, such as your bank or building society?

You should never click on a link in an email or text message asking you for your personal or financial details. It could lead to a fake website or cause a virus on your device.

These types of fraud are called ‘Phishing’ (via email) and ‘Smishing’ (via text message).

Things to watch out for:

  • If the message tells you to make a quick decision.

  • Bad grammar, spelling mistakes and messy layouts.

  • If you don’t recognise the sender’s email address or it contains strange words or characters.

  • Requests for personal or financial information.

Quick tips to stay safe:

  • Don’t click on any links you’re unsure about.

  • Report any suspect emails or text messages before deleting them.

  • Keep your devices up to date with the latest anti-virus software and protect them with a firewall.

  • Never let someone you don't know access your devices, especially remotely.

  • Set up 2 factor authentication where possible.

  • Create strong and unique passwords

If you receive a message from Swansea Building Society that seems fake, please let us know. All our genuine emails end with '@swansea-bs.co.uk'. There will never be another word or character added on, such as '@swansea-bs.mail.co.uk'.

To be clear, a bank or Building Society will never:

  • Ask you to disclose your PIN number or other passwords for your accounts
  • Encourage you to move funds from your own account into a different “safe” account
  • Encourage you to order and pay for UK cash via the phone or internet.
  • Charge up front fees for repayment holidays
  • Make home visits to collect mortgage arrears on your doorstep
  • Demand an immediate payment of mortgage arrears over the phone
  • Demand payment of mortgage arrears via email providing you with a link through which to make payments. Individuals who approach you saying that they are building society employees and who pressurise you in the ways outlined above are criminals.

How to report fraud

If you think you've been a victim of fraud or if you suspect fraudulent activity on your account with us, please contact us to report it immediately.

We may monitor or record our calls for security purposes.

You can also report this to Action fraud on 0300 123 2040 (Lines open 24 hours a day.)

Looking for more information:

These sites give information on how to bank online safely and how to avoid fraud and identity theft. They have information on common scams and where to find out information on the latest viruses and Trojans. None of these sites or vendors are specifically endorsed or recommended by Swansea Building Society.

www.financialfraudaction.org.uk

www.identitytheft.org.uk

www.ukpayments.org.uk

www.getsafeonline.org

www.cardwatch.org.uk

www.takefive-stopfraud.org.uk

www.actionfraud.police.uk

www.cifas.org.uk/individuals

www.fca.org.uk/consumers

www.cyberaware.gov.uk