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Smishing & text
message fraud

Text scams and how to avoid them


We will never ask you for your full PIN or password in any communication or over the telephone.
If you are being asked for this, it will be a scam and should be reported to us.

What is smishing?

This is when a fraudster sends a text message to you pretending to be from your bank.

The text message may advise that there's a problem with your bank account, asking you to call a phone number. If you call, fraudsters will try to trick you into giving away your personal and security information.

The message may say that personal information about you has been posted online and ask you to visit a website. Using the link in the message may lead to an attempt to infect your computer or mobile device with a virus.

These messages will have a sense of urgency, asking you to act immediately.

How to protect yourself from smishing

  • Never give your Online Banking PIN, full password or card reader codes to anyone via text

  • Do not phone the number included in the message, as fraudsters will try to trick you into giving away personal information

  • Do not click on any links or type them into your browser, as your device or computer could be infected with malicious software

  • If you have already clicked on a link, it is advised to run a scan with your antivirus software to check your device for any malicious software.

  • Keep your phone's operating system up to date

How do I report suspicious activity?

Report a suspicious text message or email

Reporting a suspicious text message

If you have received a suspicious text message referring to Isle of Man Bank, please forward the text to us at 07860 009378 (From abroad 0044 7860 009378).

Standard network rates apply. Please contact your network provider for more information on charges.

Report a suspicious email

If you have received a fraudulent or suspicious email, and not responded to it, please forward the e-mail to

However, if you have responded to the e-mail, and/or you suspect that any of your accounts with us have been accessed online by someone other than yourself, please contact us immediately on 0800 161 5154 (Minicom 0845 900 5961). From abroad please telephone +44 1268 500874 (Minicom +44 118 963 9148).

Report fraud on your bank account

Have you noticed any suspicious transactions or think you're a victim of fraud? Here's how to report it to us.

01624 637000 (From abroad: +44 1624 637000)

Monday to Friday 7am - 7pm, Saturday 8am - 1pm, Sunday closed.
Outside these hours please call 0800 032 5963 (+44 131 339 7609 from outside the UK).

Please be prepared to answer some security questions so we can verify your identity.

Report fraud on your credit card

If you need to report fraud in relation to a NatWest credit card, you should telephone 00800 161 5153 (24 hours a day).

From abroad please telephone +44 1268 508 020 (24 hours a day). You can reverse the charges on calls from abroad.