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Report financial fraud involving credit or debit cards

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If you believe you are a victim of identity fraud that has involved the use of plastic cards (such as credit and debit cards), online banking, or cheques, report it directly to the financial institution concerned.

They are responsible for undertaking further verification and investigation, and, as appropriate, reporting cases of criminal activity directly to the police where they will be recorded and subsequent investigation considered. It should be noted that this process is applicable to England, Wales and Northern Ireland only.

These changes to the reporting of plastic card, online banking and cheque fraud were introduced by the Home Office on 1 April 2007, following discussion with the Association of Chief Police Officers (ACPO) and the financial sector, to reduce the level of bureaucracy involved in fraud recording, and to streamline the reporting and initial investigation of such frauds.