Card Safety Guidelines

With Card payments being one of the safest and most convenient ways to pay for goods and services many stores do not even touch your card and get you to enter it in to the payment terminal yourself since the introduction of Chip & PIN. There are always situations where this is not the case and it is important that at a minimum you always keep the card within your sight. For more information click on the link Card Safety Guidelines

Lost or Stolen Debit Card

Report your Current Account Debit Card lost or stolen by calling the ‘Credit Union Card Services’ Team who are also available for fraud support 24/7  For more information click on the link Lost or Stolen Debit Card

Click on the link to review our Fraud Awareness Brochure

The most common way that fraudsters target potential victims is by sending fake emails that look like they are from a reputable company. They will urge you to click on a link and enter your personal and financial details into a fake website that will look like a genuine website. Click on the link for an overview on Email Fraud

PHISING

Phishing is the attempt by fraudsters to trick you into handing over personal information such as your bank details, usernames, or passwords via email, by pretending to be from a trustworthy source such as your bank. The information they gain can then be used to access your bank account or debit or credit cards. Click on the link for more information Phising

UNEXPECTED WINDFALL

Temptation tactics can often be used as a common scam to try to get you to divulge your personal, financial or security information. These kinds of scams can look like you’ve won an unexpected prize or lottery and work by asking you to pay a fee in order to claim your prize or winnings from a competition or lottery that you never entered. You may also be contacted by someone offering you money or gold if you assist them or you might be notified of an unforeseen inheritance. These “unexpected windfall” notifications usually come by email or through the post. Click on the link for more information Unexpected Windfall

INDETITY THEFT

Identity theft occurs when your personal details such as your PPS number, driving licence and banking details are compromised or stolen allowing fraudsters to pose as you. Click on the link for more informationIdentity Theft

VISHING

Vishing (a combination of the words Voice and Phishing) is a phone scam where fraudsters target you by phone and try to trick you into divulging personal, financial or security information or into making a financial transfer to them. Click on the link for more information o Vishing

SMISHING

Smishing (a combination of the words SMS (text message) and Phishing) is a scam where fraudsters send text messages to random mobile phones.  The text messages claim to come from a reputable organisation such as a bank, card issuer or a service provider e.g. a mobile phone company. Click on the link for more information on Smishing

TECHNICAL SUPPORT SCAM

With this type of scam the fraudster rings you unexpectedly telling you that there is a problem with your computer, modem or internet connection. They may indicate that there is virus on your computer or a problem with the internet connection or modem.  In order to “fix this” they say they need to gain access to the computer and talk you through steps that will fix the problem. Click on the link for more information on Technical Support Scam

MONEY TRANSFER SCAM

With this type of scam, the fraudster calls you unexpectedly posing as your bank. They tell you that there is a problem such as irregular activity or fraud on your account. They advise you to transfer money out of your account to a so-called “safe account”, indicating that once the problem is resolved the money will be transferred back. Click on the link for more information on Money Transfer Scam

IDENTITY THEFT

Identity theft occurs when your personal details such as your PPS number, date of birth, driving licence and banking details are compromised or stolen allowing fraudsters to pose as you. Click on the link for more information on Identity Theft

SAFE MOBILE BANKING

For tips on how bank safely click on the link Safe Mobile Banking

While credit and debit cards are a very safe way to pay for goods or services or to withdraw cash, it is important to take the necessary precautions to ensure that your card and card details are kept safe. For an overview click on the link Card and Cheque Fraud

COUNTERFEIT/SKIMMING FRAUD

Counterfeit fraud occurs when a criminal skims or copies the data held on the magnetic stripe of a legitimate credit or debit card and uses this data to create a fake plastic card, which contains the real cards details – this is known as a counterfeit card. This card is then used to purchase goods or services or to withdraw cash at ATMs in countries that have not yet implemented Chip and PIN technology.  For more information click on the link Counterfeit/Skimming Fraud

LOST OR STOLEN CARDS

Fraud carried out on cards that have been lost or stolen is quite low these days, since the introduction of Chip and PIN. However, it is still important to report an incident of loss or theft to your card issuer immediately. There are various ways that criminals try to steal cards. For more information click on the link Lost or Stolen Cards

STOLEN CARD DATA

Card data such as card number, expiry date, CVV and 3D Secure information is a valuable commodity to criminals and can be bought by and sold to other criminals. This data is used to make fraudulent online purchases, often for highly re-saleable goods that can quickly be turned in to cash.
Criminals use various tactics to get this information, for more information click on the link Stolen Card Data

CHEQUE FRAUD

Although cheque usage in Ireland has declined significantly, fraudsters continue to use cheques as a means to make money and defraud customers.    For more information on some common types of cheque fraud used click on the link Cheque Fraud

Online fraud is the use of the internet to defraud or take financial advantage of you. Fraudsters do this by accessing your online bank account or by presenting you with false offers in order to get you to transfer money or provide them with your card details. For more information click on the link Online Fraud

SAFE ONLINE BANKING

Internet banking is a very convenient and efficient way to conduct your banking needs. With an increasing number of attempts by fraudsters to gain access to customers’ money, it is important that you protect yourself against online threats.  For more information and some key advice on how to protect yourself and stay safe online click on the link Safe Online Banking

SOCIAL MEDIA SCAMS

Social media is a great platform for sharing information, searching topics and products and for connecting with people. However, it also provides criminals with an opportunity to blend in with the crowd and entice unsuspecting individuals to interact with them with the ultimate goal of stealing their personal, financial or security information. For more information click on the link Social Media Scams

IDENTITY THEFT

Identity theft occurs when your personal details such as your PPS number, driving licence and banking details are compromised or stolen allowing fraudsters to pose as you. For more information click on the link Identity Theft

ONLINE SHOPPING FRAUD

Online shopping is easy and convenient and can offer you greater choice and help you find the very best deals. But with 70% of all card fraud occurring online it also allows criminals to attempt crimes from a distance reducing their chances of being caught. For more information click on the link ONLINE SHOPPING FRAUD

MALWARE

Malware is short for ‘malicious software’ referring to programs designed to damage or do other unwanted actions on a computer system. Malware is specifically designed to disrupt and/or cause damage to your computer system. Common examples of malware include viruses, worms, Trojans, and spyware. For more information click on the link Malware

RANSOMEWARE

Ransomware is malware (malicious software) that locks your computer and mobile devices or encrypts your electronic files, demanding that a ransom is paid through certain online payment methods in order to regain control of your data. For more information click on the link Ransomeware

PHARMING

Phishing entices you with bait in the form of a bogus email or link. Pharming, however, redirects you to a bogus or malicious website even if you have typed the correct web address, with the aim of stealing confidential information. This ‘domain spoofing’ is applied to the websites of banks or e-commerce firms and allows the scammers to target large groups of people at once, unlike phishing which attempts to scam people individually. For more information click on the link Pharming