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    • enthusiasticsaver
    • By enthusiasticsaver 7th Dec 17, 9:28 AM
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    enthusiasticsaver
    How common are debit or credit card fraudulent transactions?
    • #1
    • 7th Dec 17, 9:28 AM
    How common are debit or credit card fraudulent transactions? 7th Dec 17 at 9:28 AM
    We bank with Santander and keep a large balance in our current account as it pays interest. Consequently I check online each day and this week for first time ever saw a transaction neither me nor my husband had made for a large amount.

    I rang Santander fraud who said they would look into it, spoke to me and my husband and told us my husbands card had been used fraudulently and they had also blocked another large transaction. They refunded it straight away and stopped my husbands card and reissued a new one.

    Has anyone else been targeted as I just wondered how common this is?

    We pride ourselves on being very careful with our cards and not letting them out of our sights so goodness only knows when it was hacked. This has never happened before as well.

    I am just glad I checked the account and reported it quickly.
    3 days to go until early retirement. Debt free and mortgage free.

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
Page 1
    • PeacefulWaters
    • By PeacefulWaters 7th Dec 17, 9:45 AM
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    PeacefulWaters
    • #2
    • 7th Dec 17, 9:45 AM
    • #2
    • 7th Dec 17, 9:45 AM
    In the great scheme of things it's a tiny fraction of a per cent of transactions that are fraudulent.

    That said, during a lifetime I'd expect the majority of people to suffer a fraud on their banking facilities at least once.

    The good news being that the bank stands the loss.
    • brewerdave
    • By brewerdave 8th Dec 17, 10:25 AM
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    brewerdave
    • #3
    • 8th Dec 17, 10:25 AM
    • #3
    • 8th Dec 17, 10:25 AM
    Touch wood,I've never had a problem with debit cards/current accounts......but I've had fraud attempted via credit card on 3 separate occasions.
    As for OP, I check my current accounts and credit card accounts 6 days a week - only takes ~ 3 or 4 minutes first thing, and gives some peace of mind
    • JuicyJesus
    • By JuicyJesus 8th Dec 17, 11:33 AM
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    JuicyJesus
    • #4
    • 8th Dec 17, 11:33 AM
    • #4
    • 8th Dec 17, 11:33 AM
    I've had precisely one instance of card fraud in my life, a £20 O2 topup in mid 2010. Refunded the same day.

    Card fraud happens regularly but is not that common. People being careless with their card/details/PIN is far, far more common.
    urs sinserly,
    ~~joosy jeezus~~
    • agrinnall
    • By agrinnall 8th Dec 17, 11:54 AM
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    agrinnall
    • #5
    • 8th Dec 17, 11:54 AM
    • #5
    • 8th Dec 17, 11:54 AM
    Here you go, all the facts and figures on UK card fraud, knock yourself out!

    http://www.theukcardsassociation.org.uk/plastic_fraud_figures/
    • zerog
    • By zerog 8th Dec 17, 12:50 PM
    • 2,306 Posts
    • 785 Thanks
    zerog
    • #6
    • 8th Dec 17, 12:50 PM
    • #6
    • 8th Dec 17, 12:50 PM
    To my knowledge I haven't had any fraud happen to me yet, so I'm just waiting...
    • Pound
    • By Pound 8th Dec 17, 8:47 PM
    • 2,642 Posts
    • 1,313 Thanks
    Pound
    • #7
    • 8th Dec 17, 8:47 PM
    • #7
    • 8th Dec 17, 8:47 PM
    I had it happen to me on two different cards within a few days. Both cards within my possession.

    • About-time
    • By About-time 9th Dec 17, 6:01 AM
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    About-time
    • #8
    • 9th Dec 17, 6:01 AM
    • #8
    • 9th Dec 17, 6:01 AM
    It's happened to me twice. Once about ten years ago, a transaction for about £250 to a website I didn't recognise, which turned out to be somebody playing online poker with my card details.


    Then again a year or two ago - several authorisations for all sorts of random things including the Land Registry and a carpet shop in America. They were all for very small amounts, a pound or less, so I guess that was somebody just testing the details before going for something bigger.
    • brewerdave
    • By brewerdave 9th Dec 17, 10:18 AM
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    brewerdave
    • #9
    • 9th Dec 17, 10:18 AM
    • #9
    • 9th Dec 17, 10:18 AM
    On the 3 occasions that I had problems, they were all "customer not present" types - I assume that they were telephone purchases (altho' my cc suppliers would not confirm) - on one occasion, the "fraudulent" purchases were very random - a course of driving lessons, a year's sub to a sports club etc - don't think those were true frauds as they would have been difficult to take advantage of - the last occasion ,however, was a top of the range Apple Mac purchase!!
    • Katiehound
    • By Katiehound 9th Dec 17, 5:07 PM
    • 3,910 Posts
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    Katiehound
    The big scam that involved Tesco current a/cs (last year??) somehow involved debit cards.
    It was never revealed exactly what happened- well no, that would give folk a heads up-but it involved debit cards that had been activated. My second card continues to be inactive!
    Being polite and pleasant doesn't cost anything!

    If you found my posting helpful please hit the "Thanks" button!
    Thank You
    • Uxb
    • By Uxb 9th Dec 17, 5:46 PM
    • 981 Posts
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    Uxb
    At the time given that some were "done" who had never ever used the card, the scale of and targeted nature of the compromise, the general consensus on the web was that it most probably a data leak at the card processing/manufacturing plant.
    • Katiehound
    • By Katiehound 9th Dec 17, 6:08 PM
    • 3,910 Posts
    • 38,019 Thanks
    Katiehound
    At the time given that some were "done" who had never ever used the card, the scale of and targeted nature of the compromise, the general consensus on the web was that it most probably a data leak at the card processing/manufacturing plant.
    Originally posted by Uxb
    I had never ever used the card!
    Being polite and pleasant doesn't cost anything!

    If you found my posting helpful please hit the "Thanks" button!
    Thank You
    • enthusiasticsaver
    • By enthusiasticsaver 9th Dec 17, 11:07 PM
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    enthusiasticsaver
    Maybe we have just been lucky then in not having an issue until now. What Santander fraud did tell us that as well as the almost £500 spent by the fraudster on Eurostar internet of all things they also tried to transfer almost £10k out of our account which luckily Santander stopped so that never appeared on the account.

    All I know is that I will continue to check the account daily just in case anything like this happens in the future.
    3 days to go until early retirement. Debt free and mortgage free.

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • fozmcfc
    • By fozmcfc 10th Dec 17, 3:41 PM
    • 2,991 Posts
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    fozmcfc
    I've had 1 instance in 30 years, which is when I got my first bank account. Had several card accounts and saving accounts, in that time.

    10 years + ago, my bank account with Natwest and despite initial good impressions of how they dealt with it, flagged up transactions correctly and asked me to call them, by the end I wasn't completely satisfied. Nearly ended up with the transactions being allowed as they failed to send a form to me, had to chase it up and I was 1 day away from being out of pocket.
    • sheramber
    • By sheramber 11th Dec 17, 5:08 PM
    • 4,019 Posts
    • 2,976 Thanks
    sheramber
    Several years ago my husband had one on his business card. The bank cancelled the card and sent out a new one.

    The day after it arrived, before he had time to do anything with it, a fraudulent payment occurred on it. So the card was cancelled and a new one issued. No further problems.

    A couple of years ago he used his personal debit card in a local shop He very rarely used it so knew that was the only place it had been used recently. The bank picked up a fraudulent charge before it got on the card and contacted him to check it. The charge was for a top up of a Vodaphone phone in the Midlands. We live in Scotland, many miles away.

    The shop it was used in is a local specialist retailer who we trust implicitly so don't know where the number was got from.
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