Telephony scams, also known as vishing, aim to convince you that you are speaking with a legitimate company.
A typical example would be you receive a phone call to your home from someone claiming to be your broadband or telecommunication provider – they will claim that there is an issue that they need to resolve and ask you to grant them access to your computer.
Once they have access they may ask you to carry out actions, such as logging in to online banking or enter card details through a website in order to pay them for the service – in this time they have managed to capture financial information which will allow them to continue spending or making payments from your account.
How to spot a phone scam
When answering a call
Beware of phone spoofing - criminals use sophisticated technology to make the number calling you, appear like it's a genuine number, not their actual caller ID.
Don't assume that because the call sounds genuine, that it is - Fraudsters can play recorded sounds in the background to make it sound like a call centre.
If you receive a suspicious or unexpected call, always verify it by terminating the call and phoning back using an independently checked phone number, such as one from an official website.
During a call
Never give out the following details to anyone over the phone. Even if they claim to be from your bank or the police. This also includes typing numbers in to your keypad.
- Your mobile banking app activation code and password
- Your full online Banking pin
- Your full online Banking password
- Any details from your credit card
If you get anyone ask for these, end the call immediately.
Other things to look out for
Never be persuaded to download any software or visit a site because someone on the phone has told you to. This could be something called pharming. Don't transfer any money at the request of an unexpected caller over the phone.
Don't transfer any money at the request of an unexpected caller over the phone.
What to do if it happens?
If a call seems suspicious end it immediately
Don't be rushed on a call. When you're forced to act quickly, it can be easy to misjudge a situation
Don't be afraid to hang up if you feel you're under pressure
Report fraud - Treat this scam as you would with fraudulent emails or SMS's. Report any suspicions right away
If you've been the victim of fraud
Tell us straight away if you've given any details out or think you may be the victim of fraud or a scam. (link to report it page)