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Report fraud
A guide to reporting fraud
Steps you can take first
There’s action you can take yourself before you contact us to report a fraud or scam.
Don’t recognise a payment?
There can be a number of explanations for a payment you don’t recognise, and we’ve added the most common ones below.
A regular debit or credit card payment
Another cardholder on the account
A free trial has expired
Haven’t received goods or services from a genuine company on your debit or credit card?
You should always speak to the retailer first to try to resolve the issue directly with them. If you’ve contacted the company and still need our support, please raise a dispute.
Query a debit card transaction
If your query relates to a debit card transaction you can start to raise a fraud query using our online form in the NatWest app or Online Banking.
- Simply login to your Online Banking or mobile app
- Select the transaction you wish to query
- Click on the 'Report a dispute, fraud or scam' link
- Click on the 'Report Fraud' option
Query a credit card transaction
If your query relates to a debit card transaction you can start to raise a fraud query using our online form in the NatWest app.
- Simply login to your mobile app
- Select the transaction you wish to query
- Click on the 'Report a dispute, fraud or scam' link
- Click on the 'Report Fraud' option
Contact us right away
Personal bank account and Travel account
03457 888 444
(Relay UK 18001 03457 888 444)
If you're outside the UK, call:
(0044) 3457 888 444
Lines are open 24 hours, 7 days a week
The cost of your call will depend on what phone line you are using. See our call charge information page
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Personal credit card
0370 333 9091
(Relay UK 18001 0370 333 9091
If you're outside the UK, call:
(0044) 126 850 8020
Lines are open 24 hours, 7 days a week
You can reverse the charges on calls from abroad through the international operator when calling from a landline. Calls may be recorded
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Business customers
If you’re a business customer, visit the Business security hub to learn about protecting your account, or report fraud on your business bank account and business credit cards
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Report as fraud or a scam?
What do we mean by fraud?
Fraud is where you’ve identified suspicious activity on your account. This may be a transaction you didn’t knowingly make, or an update to your contact details you didn’t make.
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What do we mean by scam?
A scam occurs when you’ve knowingly parted with your money and/or personal details, thinking you were dealing with a genuine person or company. Scammers use many tactics, from intimidation to promises of cash, prizes, services, even romance.
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Tell us about suspicious activity
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We'll never ask for your full PIN, full password and card reader codes by text, email or on the phone.
Both the phishing mailbox and text reporting number are automated services. Please do not send other queries or personal information, including bank account details to them.
Suspicious emails
Feel you’ve received a fraudulent or suspicious email? Please forward it to phishing@natwest.com
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Suspicious texts
Forward any suspicious texts referring to NatWest to 88355.
This is not a premium rate number. Standard network rates apply, please contact your network provider for more information on charges.
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Suspicious calls
If you’ve received a suspicious phone call and think you provided any of your personal security details or card details during the call, please contact us immediately on 03457 888 444 (relay UK 18001 03457 888 444) (24 hours a day, 7 days a week).
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Suspicious websites
If you suspect that you've entered your card details on a fraudulent website, it's important to contact us immediately to have your card cancelled. You can contact us on 03457 888 444. (relay UK 18001 03457 888 444) (24 hours a day, 7 days a week). If you're unable to contact us, you can temporarily freeze your card in our Mobile App or online banking in the 'Cards' section.
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