Types of telephone fraud

Vishing

Vishing is a combination of using voice and phishing in an attempt to scam users into surrendering private information that will be used for identity theft. Fraudsters usually pretend to be a legitimate business, and trick victims into thinking they need to:

  • Provide personal information.
  • Provide Banking information such as account, bank card, online banking details and authorisation codes (always read the full text provided with your authorisation code to ensure that you clearly know what the code is validating).
  • Take an urgent action, such as logging onto a website or requesting to click on a link provided in a text (this is known as smishing).
  • Allow access to a device.

Most common forms of vishing are where fraudsters pretend to be from a Financial Institution, Financial Crime Unit, telephone company, An Post, Revenue etc. Criminals will try any variation if they believe they will get success, even purporting to be the police asking you to transfer your money elsewhere.

How do I protect myself from vishing?

You should be highly suspicious if you receive a telephone call requesting you to provide online login details, bank card information, PIN, expiration date, bank account details, date of birth, etc.

Be wary of automated calls received that request information is entered via a keypad on your telephone. If you receive such a call ensure that you hang up correctly and your line is not left open.

What should I do if I've have been a victim of vishing?

If you have been a victim of vishing or if you would like to report suspicious fraudulent activity please call our fraud department on the below number. Lines are open 24 hours a day 7 days a week.

Call +353 (1) 669 5851

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Smishing

Smishing is a combination of SMS texts and phishing where you are sent an SMS/text message that asks you to log on to a fake Open24 website or other fraudulent website via a link to update your personal and/or banking information. Criminals may then use this information to access your internet banking account. They may even ask you to provide the authorisation code provided by your bank which will allow them to validate a payment they are making in the background.

These messages purport to be from a reputable organisation such as a Bank or other service provider e.g. telephone company, Revenue, An Post. The messages are generally urgent in nature and contain a call to action.

Important Information: Remember, PTSB will never call, email or text you asking for: your account details, your Open24 number, Internet Password, Personal Access Number (PAN), your Visa Card CVV number or One Time Passcode. If you ever get an unsolicited phone call, email, text message or pop-up asking for any of these please contact us on 0818­ 50­ 24­ 24 or +353­ 1­ 212­ 4101.

How do I protect myself from smishing?

  • Do not use the link that is in the SMS.
  • Do not send any account details/credit/debit card information or Online Banking details by SMS.
  • If you have already used the link and/or entered your details, contact PTSB immediately on 01 6695851 or 0818 50 24 24
  • Review your recent transaction history.
  • We will cancel your Open24 number and arrange a new one for you.

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PTSB Protect

We are proud to announce that we are the first bank worldwide to add an extra layer of anti-fraud protection to our banking app to further protect our customers (Version 10.2 and higher).

This new opt-in feature offers much needed protection against criminals who trick customers into sharing security information by sending deceptive messages with links - something permanent tsb will never do.

What is PTSB Protect?

While we can’t completely stop criminals from targeting our customers, this new feature can help prevent some fraudulent activity. This added feature is designed to guard you against criminals who might try to trick you into clicking on harmful links or sharing sensitive details.

When you enable this new feature on your mobile device, any incoming potentially risky texts or fraudulent websites will be identified and flagged to you where they are present on our known fraud list.

Get started

What should I do if I've have been a victim of smishing?

If you have been a victim of smishing or if you would like to report suspicious fraudulent activity please call our fraud department on the below number. Lines are open 24 hours a day 7 days a week.

Call +353 (1) 669 5851

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WhatsApp Scams

WhatsApp Scams consist of criminals sending out WhatsApp messages saying "hi Mam/Dad", followed by some scenario where the child may be in trouble and their existing phone is advised to be non-contactable. This is an attempt to scam the user into surrendering private information that will be used to convince the user to part with money, vouchers, gift cards etc.

How do I protect myself from WhatsApp scams?

You should be highly suspicious if you:

  • Receive a message from an unknown number with a generic "Hi mam", "Hi dad" message.
  • If a message from an unknown number is claiming to be a child or relative.

The best advice is to attempt to contact the person by the original/existing number you have in your phone and confirm if the activity is genuine.

What should I do if I've have been a victim of a WhatsApp scam?

If you have been a victim of a scam through Whatsapp, or if you would like to report suspicious fraudulent activity please call our fraud department on the below number. Lines are open 24 hours a day 7 days a week.

Call +353 (1) 669 5851

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Telephone or text "Unusual/Suspicious Transaction Activity"

Fraudsters may provide you with all the information, except the one piece they want. Note, the callers may not ask for your card/account number; they may already have it. The person calling may say that they are calling from the Security/ Fraud Department at your Bank or card company.

They will advise that your card has been flagged for an unusual purchase pattern, and that they are calling to verify the transaction. When you say "No", the caller will then say that they need to verify you are in possession of your card. They may then ask you for:

  • Online banking details.
  • Personal information.
  • Account/Card details.
  • 3 digit security number on the back of your card.

However, by the time you get your statement or access your account online you'll see charges for purchases or account transfers that you did not authorise.

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What should I do if I've have received a suspicious call?

  • Do not provide the requested information. Your Bank will never ask for your account information as they already know the information.
  • If you have already used the link and/or provided your details, contact PTSB immediately on 01 6695851 or 0818 50 24 24.
  • Review your recent transaction history.
  • Ensure that you hang up correctly. Call the Bank directly.
  • We will cancel your Open24 number and arrange a new one for you.

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Smartphone app scam

"Malicious spyware is disguised in a game or an application, which is then marketed to users. If downloaded, the malware steals data from the phone, such as passwords and financial details. Always check a developer is legitimate and review comments regarding the app."

Criminals purporting to be from Anti-virus companies contact customers requesting access to their PC in order clean the PC for a small fee.

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