Protecting yourself from fraud and scams
There have been no changes to Santander or cahoot sort codes or account numbers as a result of our ring-fencing plans.
Other UK banks that are subject to ring-fencing may however have made changes, so this may result in requests to change payment details.
While there will be genuine requests, fraudsters may pretend to be your bank and tell you your sort code or account details are changing. They can do this with fake emails, phone calls and text messages asking you to click a link, allow remote access or ring a number, all of which could connect you to a fraudster.
- never share a Santander or cahoot One Time Passcode (OTP) with another person, not even a Santander or cahoot employee;
- never download software onto your device either during or following an unexpected call;
- never reply to emails asking for personal or security information; and
- never make payments where an unknown person has requested you to do so. Your bank will never ask you to move funds from your account for safety or fraud reasons.
Fraudsters may also pretend to be someone you make payments to (such as a utility company, solicitor, family member or builder), and ask you to send new or future payments to a different account.
To protect yourself, always confirm any requests to make a new payment or change bank account details directly with the person or company making the change. You should avoid replying to the email or using the contact details from any message you receive and check the request a different way. If you have any doubts at all about what you are being asked to do, check with your bank. Always use contact details you can trust, for example the phone number on your bank statement, rather than any other details you may have been sent.
If you ever have any concerns, please don’t be rushed or pressurised into making a decision or acting quickly, don't give any information or proceed any further, and instead call us immediately on 0800 9 123 123. cahoot customers should call 0800 085 1382.