Keeping your card safe

How card theft can occur

There are various ways a fraudster could obtain your card details, to steal money from you or your organisation, these include but are not limited to:

• Someone steals your card or a device with your card stored, such as your phone

• Card ID theft - Fraudsters steal documents containing personal details, such as card numbers or address. These can be used to make purchases online or request new cards

• A new card is intercepted in the mail

• ATM fraud - Cash machines are tampered with. They can be used to clone, or not return your card

• Internal fraud - Lending your card to a colleague, who then uses the card to make unauthorised purchases or shares the card details with someone else

• Criminals set up fake websites that look like legitimate, well known, businesses and steal your card information when you make a purchase.

Tips for keeping your money safe

1. Store your card in a secure location

and do not give it to anyone to use on your behalf

2. Keep your PIN secret

and do not write it down, or reveal it if asked, even to your bank or the police. Keep the key pad shielded when entering your PIN

3. Make sure nothing on the ATM looks suspicious

before entering your card. If the machine looks tampered with, report it to the relevant bank. Using ATMs inside a branch provides more safety than using one outside

4. Never share your card details

except when making a secure payment

5. Shred old cards and documents

containing personal information and card details

6. Regularly check your card statement

to ensure there are no fraudulent purchases

7. Check out the CAF Bank security centre

for up to date advice from our fraud experts relating to purchase scams, invoice fraud and more.

How to deal with card theft

• For any problem with your CAF Bank card, contact CAF Bank on 03000 123 606

• If an ATM doesn’t return your card, contact your bank immediately, and the bank owning the ATM

• If you lose your card cancel it immediately and check your statement. It is also worth checking your credit score to ensure no cards or loans have been taken out using your information

• If you think someone has gained access to your card information, change your PIN immediately and contact your bank

• Report fraudulent websites to Action Fraud or call the police non-emergency number 101.

If your CAF Bank Business Card is lost or stolen, has been captured by an ATM, or you suspect that someone has tried to use your card details, please tell us right away. Within the UK, call 03000 123 606. If phoning from abroad, call +44 3000 123 606. Our lost and stolen number is open 24 hours a day.

Please contact our Customer Service team, without delay, on 03000 123 456 (Monday to Friday, 9am - 5pm, except English bank holidays), to:

• inform us of any unexpected or incorrect transactions on your CAF Bank account statements
• report any other suspected fraudulent activity on your account
• cancel a Business Card that is no longer required or to order a replacement card.

Please check with your card issuer, for how to report the suspected theft or fraudulent use of other bank cards that you hold.

If you lose your card cancel it immediately and check your statement. It is also worth checking your credit score to ensure no cards or loans have been taken out using your information

If you think someone has gained access to your card information, change your PIN immediately and contact your bank

Report fraudulent websites to Action Fraud or call the police non-emergency number 101.
If you suspect your organisation has become a victim of fraud of any kind, please also report it to the Action Fraud helpline. Scottish charities should report fraud to Police Scotland.