01264 334344 

Fraud prevention

Staying Safe Online

Antivirus software – ensure all PCs are protected by high quality Anti-Virus software and update it regularly. Run frequent virus scans.

Think before you click – only download programmes or click on hyperlinks you can trust. Hover the mouse over hyperlinks to see what the true web address is.

Emails – a genuine email from your Bank will always address you by your name and contain the last 4 digits of your account number or 3 digits from your postcode. These emails will never lead you to a screen which asks you for your passwords or card and reader codes.

Protect your data – back up your data regularly to a device or location separate to your business network. Fraudsters can use malware to lock all your data and demand you pay a ransom to retrieve it.

Check your screens – if you see unusual screens or pop-ups or unusual requests to enter card and reader details when using your online banking, log out immediately and call the Bank.

Dual authority – if possible set up your online banking so that two separate people are required to make a payment.

Email us – send any suspicious AMC or Lloyds Bank related emails to emailscams@lloydsbanking.com

On the phone

If you’re not absolutely certain it’s AMC or your Bank telephoning or texting you:

Call back – always call them back and use a number you know is correct for AMC or your Bank, checking that the line is clear beforehand.

Caller display – don’t rely on your phone’s caller display to identify a caller. Fraudsters can make your phone’s incoming display show a genuine Bank number.

Texts – be aware that fraudsters can send a text message which looks like it’s been sent from your Bank’s genuine text number so verify any suspicious text messages by calling them.

  • Passwords – NEVER divulge online banking passwords or card and reader codes to anyone on the telephone or via text.
  • Finally – AMC or your Bank will NEVER tell you to transfer money out of your account to a “safe” account. This is a common tactic fraudsters use.

Report it

If you think your business has been a victim of fraud or has been targeted by fraudsters, call your Bank immediately.

For fraudulent payments made online contact your Bank’s Fraud team.

For other types of fraud, contact your relationship manager as soon as possible. Your relationship manager will be able to offer advice and guidance on minimising the impact of fraud and preventing future attacks.

Scams

Email is not a secure method of communication for a business to act upon a new payment or to change bank account details for a payment made previously.

Online

Think before you click and watch out for unusual screens or pop ups.

Calls

NEVER divulge online banking passwords or card and reader codes to anyone on the telephone.


OTHER COMMON SCAMS

When you are contacted and asked to change the beneficiary account number of a payment you make, you should independently check that the email or letter they’ve sent you is genuine by calling a known contact in the beneficiary’s business on a telephone number you know is correct.

Independently verify any emails which appear to come from someone you know or someone in your business asking for a payment to be made. Their email account might have been hacked or spoofed by a fraudster.

Be suspicious if a new client sends you a payment for a lot more than you were expecting and then asks you to return the excess funds to them. Check that the funds are cleared and cannot be recalled before returning any funds.

REPORT FRAUD TO THE POLICE

If your business does lose money to fraudsters, you should report it to the Police by visiting www.actionfraud.police.uk

AMC loans available for business purposes only, provided on a secured loan basis. Minimum AMC standard loan £25,001. To meet customer requirements, lending criteria will vary. Lending is subject to status.

If you have a hearing or speech impairment you can use the Next Generation Text (NGT) Service. More information on the NGT Service can be found at: ngts.org.uk.

Office hours are 09:00 to 17:00, Monday to Friday, excluding Bank and Public holidays.

Please note that any data sent via e-mail is not secure and could be read by others.

The Agricultural Mortgage Corporation plc, registered in England & Wales, no. 234742. Registered office: Charlton Place, Charlton Road, Andover, Hampshire SP10 1RE. Telephone: 01264 334344.

We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk and apply to businesses which have an annual turnover of no more than £6.5 million

The Agricultural Mortgage Corporation plc is a wholly owned subsidiary of Lloyds Bank plc. Lloyds Bank plc is a member of Lloyds Banking Group. Lloyds Banking Group is a financial services group that incorporates a number of brands including Lloyds Bank. More information on Lloyds Banking Group can be found at lloydsbankinggroup.com.