Stay safe from fraud

We’re dedicated to protecting our members from the industry-wide threat of fraud.

Learn how to spot fraud, avoid it, and what to do if you've been targeted.

Emergency fraud support

Reach our dedicated team 24/7

Call 159

If you're in the UK

Message in-app

Tap the Support icon in the top right corner > Report fraud

How fraud often works

This applies to most scams. Find in-depth information for specific scams further down this page.

The scammer identifies a target By finding their information online or in documents

The scammer contacts the target Pretending to be someone they're not

The scammer gains the target's trust With cloned details, fake websites and false stories

The target sends money or personal information Because the scammer used pressure or authority

Protect yourself from common scams

These general safety tips apply to most scams.

You can find in-depth tips for specific scams further down this page.

1. When the scammer tries to identify you

Destroy sensitive documents

Scammers can go through bins to find your information.

Always shred documents containing personal, business or banking information before throwing them away.

Restrict what you post online

Anything you post online could be used to target you.

Don't share sensitive information online, and be aware that a scammer may have access to detailed information which they could use to gain your trust.

Don't share your passwords

Always keep your passwords secure and make sure they're only known by you.

For help managing and securing your passwords, search for 'password manager' services so you don't need to write them down.

2. When the scammer contacts you

Don't trust contact details

Scammers can spoof real phone numbers and email addresses.

Never trust someone who has contacted you just because they're using legitimate contact details.

Verify their identity

Legitimate organisations have ways of verifying their identity.

At Tide, we always verify our identity in your Tide app when we call you.

Stop the conversation

If you don't trust who's calling you 100%, end the conversation.

Then contact the person or organisation yourself through their known or public contact details.

Spot fake sites

Ignore personal information

Try to meet in person

Don't make immediate payments

Don't click links or scan QR codes

Don't share personal information

How to ask for reimbursement of your lost money

If you lost money to APP fraud on or after 7 October 2024, you could be eligible to have your money reimbursed to your account.

Money lost to authorised push payment (APP) fraud

Money sent between UK bank accounts

Money lost by an individual or small business

Follow warnings and instructions

Report fraud quickly

Provide information to relevant organisations

How to raise a reimbursement request

Contact our fraud team By calling 159 from the UK, or tapping the 'Support' icon in the top right corner > 'Report fraud' in your Tide app. Both options are available 24/7.

We'll look into your case We'll update you within 24 hours. You may need to provide additional information, which could take a bit longer.

We'll provide an outcome This could be to fully or partially reimburse you, in which case the money will be sent to your account immediately. If your case isn't eligible, we'll let you know why.

You can appeal the decision If you're dissatisfied, you can raise a complaint to us. If you're still not satisfied with the outcome, you can raise a complaint to the Financial Ombudsman Service.

Support services for victims of fraud

People who've been defrauded know that it doesn't just damage their finances, it can also cause serious emotional and mental distress.

There are many free resources, groups and services available to you if you've been subjected to a fraud attack.

Stop Scams UK

Offer a dedicated support helpline for those affected by fraud.

Which?

Offer resources to help with the stress of a fraud attack.

Victim Support

Offer free emotional and practical help in moving forward.