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How we protect you from fraud

Have you been affected by fraud?

Online Protection

Find out how we protect your online banking experience with industry leading products and online transaction monitoring.

Online protection with security tokens

Our security tokens help protect you from fraud when you are banking online and provide you with the most up-to-date security standards in the banking industry.

A security token is a small, battery-powered device about the same size as your debit card which provides stronger authentication for payments and transactions, and also benefits you by providing a higher transaction limit on internet banking (note a token is mandatory for BusinessOnline).

Our simple online instructions explain how and when you need to use your token, and instructions to explain how to order, activate and use your token are outlined in Internet Banking Token Help Centre or BusinessOnline Token Help.

Online protection with IBM Trusteer Rapport

We have teamed up with IBM to provide industry leading fraud protection software IBM Trusteer Rapport which safeguards your identity and protects your accounts against fraud and cybercriminals. We offer this free for you to simply download and install from our website in minutes, with a dedicated 24/7 IBM customer support service, and strongly advise you install the software on every PC or laptop that you use for internet banking.

Online protection with our transaction monitoring

For your ongoing protection online, our Fraud team may contact you by phone to verify your online transactions on internet banking and BusinessOnline.

If we do call you, please remember we will never request a token 3 response from you.

Always keep your contact details up to date so we can contact you quickly to minimise any inconvenience to you.

Card Protection

Find out how we protect you using your cards with industry leading products and card transaction monitoring.

Card protection with IBM Trusteer Rapport

We have teamed up with IBM to provide industry leading fraud protection software IBM Trusteer Rapport, which protects your card details when shopping online by preventing key-logging malware from capturing your payment card number and alerting you when you may be entering your payment card number into a suspicious or non-secure site.

We offer this free for you to simply download and install from our website in minutes, with a dedicated 24/7 IBM customer support service, and strongly advise you install the software on every PC or laptop that you use for online shopping.

Card protection with MasterCard SecureCode and Verified by Visa

In association with MasterCard and Visa, we protect your cards against unauthorised use when you shop online at participating retailers by assessing whether additional security information is needed to verify your purchase. In most cases, no further verification is required but, in certain circumstances, we’ll ask for some additional security information.

We provide you with full details, including how to register for this valuable service, on the secure online shopping section of our website.

Card protection with our transaction monitoring

For your protection, our Fraud team may contact you by phone or text message (or very occasionally by letter) to verify credit and debit card transactions.

We may sometimes delay or decline transactions that are out of character for you, or even block your account until we can confirm that it is you making the transaction. Always keep your contact details up to date so we can contact you quickly to minimise any inconvenience.

If we do call, we will never ask for your PIN or passwords.

Support

Find out how we support your travel experience with our card registration service and how we protect you when you apply for our products.

Supporting you using your cards when you go abroad

If you are going abroad and planning to use your cards, we offer a travel registration service which will reduce the likelihood of your cards being declined and allow you to use your cards with increased confidence. You can find out full details about this and how to register on the travel section of our website.

Supporting you with our application fraud monitoring

We use industry leading application fraud monitoring systems to protect you against the risk of application fraud whereby fraudsters open an account, which could be anything from a credit card account or loan, to a mortgage using fake or stolen documents in someone else’s name.

More information

Find out about the latest industry initiatives and campaigns which we are supporting to protect you and keep you safe.

In order to ensure we are up-to-date with and provide you with the latest fraud information we are collaborating with industry on campaigns and initiatives. Dedicated information for customers can be found on recommended industry websites:


Additional help

Financial fraud action

FFA UK is responsible for leading the collective fight against financial fraud on behalf of the UK payments industry.

Cyber streetwise

A UK Government campaign offering a variety of tips and advice on the essentials for enjoying a safe online experience.

Met police

The Metropolitan police fraud team provide information as a resource to assist in combatting fraud and to prevent you becoming a victim of crime.


Branch locator

Find your nearest Clydesdale Bank branch, Business and Private Banking centre or ATM

Branch locator

Contact us

If you have any concerns about fraudulent activity, please give us a call on:

0800 345 7 365

  • (24 hours a day, 7 days a week)
  • Please note all our calls to our lines are recorded for training and security purposes.

Internet Banking help centre

You can find more information about Internet Banking in our help centre

Help centre