If you think there has been fraudulent activity on your Unity Trust Bank account, or if you are ever in doubt contact us first using one of the options below, we’re here 24 hours a day, seven days a week:

• Call our Customer Service team right away on our dedicated fraud number, freephone 0808 196 8420 (open 24/7).
• Fill in the form here

Once you have done that:

• File an online report to Action Fraud here: https://www.actionfraud.police.uk/
• If your business is based in Scotland, contact Scotland Police on 101
• You can also report it directly to your Relationship Manager, if you have one. If you cannot get in touch with your Relationship Manager, call our Customer Service team right away.

There are many types of fraud, but some of the most common include phishing scams, identity theft, investment scams, and advance-fee scams.

If you have been a victim of fraud that’s affected an account or card you have with us, contact us first using our number or our form here.

Once you have done that: 

• If you are in Scotland, contact Scotland Police on 101
• If you are in England, Wales or Northern Ireland:
  • For fraud that is part of another crime, like bag theft, please report to police online or by calling 101
  • Otherwise please report it to Action Fraud online or by calling 0300 123 2040

Here are some general tips:

• Be wary of unsolicited emails, phone calls, or text messages.
• Never give out your personal or financial information to someone you don’t know and trust.
• Be cautious of deals that seem too good to be true.
• Regularly monitor your bank statements and credit reports for suspicious activity.
• Use strong passwords and keep them confidential.
• Set up dual authorisation.
• Visit our security page for more information.

If you suspect fraud, report it to the authorities immediately. You should contact us to report any suspicious activity on your accounts.

Contact us immediately if your multipay card or cheque book is lost or stolen. See below for how you can do this in several ways, with phone, online and by app available 24 hours a day, 7 days a week.

If your Multipay card is lost or stolen, contact Lloyds directly and the number to contact them is 0345 030 6270. However, any changes to the account you hold with Lloyds are completed via Unity, so your relevant forms are available here.

If someone tricks you into downloading software that gives them control over your device or your bank account, you need to disconnect or end the session immediately. There’s usually a button in the software that lets you do this. If you can’t find one, turn off your device and disconnect your wi-fi. Then contact us immediately.

If you think there has been fraudulent activity on your Unity Trust Bank account, or if you are ever in doubt contact us first using one of the options below, we’re here 24 hours a day, seven days a week:

• Call our Customer Service team right away on our dedicated fraud number, freephone 0808 196 8420 (open 24/7).
• Fill in the form here

Once you have done that:

• File an online report to Action Fraud here
• If your business is based in Scotland, contact Scotland Police on 101
• You can also report it directly to your Relationship Manager, if you have one. If you cannot get in touch with your Relationship Manager, call our Customer Service team right away.

If you have been a victim of fraud that’s affected an account you have with us, contact us first using our number or our form here.

Once you have done that:

• If you are in Scotland, contact Scotland Police on 101
• If you are in England, Wales or Northern Ireland:For fraud that is part of another crime, like bag theft, please report to police online or by calling 101
• Otherwise please report it to Action Fraud online or by calling 0300 123 2040

Payment scams involve tricking you into sending money to a fraudulent account. They can come in many forms, including phone calls, emails, texts, or even fake websites. A common type of payment scam is Authorized Push Payment (APP) Fraud.

APP Fraud occurs when you’re tricked into authorizing a payment to a fraudulent account. Scammers might impersonate legitimate organisations (like your bank, utility company, or even a friend) and create a sense of urgency or pressure to make a payment. They could also send fake invoices that appear real.

Here are some key tips:

• Always verify the recipient’s details before making a payment. Look for Confirmation of Payee (CoP) services if available. This helps ensure you’re sending money to the intended person or business.
• Never share your personal or financial information over email, text message, or phone unless you initiated the contact. Legitimate organisations won’t ask for this information unsolicited.
• Be wary of urgent requests. Scammers often create a sense of urgency to pressure you into a quick decision. Take your time! If something feels off, it probably is.
• Don’t be afraid to say “no” and hang up if something feels suspicious.
• Contact the beneficiary/organisation or individual you are looking to pay via a trusted source to confirm the payment request is legitimate.

Please contact us on the numbers above to report fraud on your account.

We review each case on an individual basis, so its important for you to tell us everything and keep record of everything that happened leading up to the scam.

It’s really important that you know how to protect you and your organisation against scams – we’ve got everything you need to stay safe on our Protect yourself from fraud and scams page.

If you suspect a scam for any payment made from your Unity Trust Bank account using any service, please contact us.