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What to do if my bank account has been hacked

If you’re wondering to yourself what to do if my bank account has been hacked, you’re doing the right thing because most of us don’t really think about online security until our account’s breached. When you’re dealing with something like an Amazon account or your Gmail logon, being hacked isn’t important but consider what could happen if your bank account is compromised.
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Virus

According to reports from an internet security firm, there are around 160,000 new viruses being developed per day. With internet fraud on the increase, banks are putting the onus on their customers to be more vigilant. You should download any protection packages offered by your bank, for example NatWest and the Royal Bank of Scotland offer Truster Rapport that offers an additional layer of security to anti-virus software. If you don’t download these recommended security packages, you’re giving your bank ammunition to use against you if you’re hacked.

Unauthorised transactions

When you realise your bank’s been hacked, the first thing you should do is to change the password. Once that’s done, check for unauthorised transactions. You’ll need some examples of suspicious activity for the next step.

Report suspicious transactions

Do this on the phone and do it immediately. Contact your bank’s customer services number and then follow up in writing. If you post a letter rather than Email, make sure you keep a copy.

Submit a complaint

This is your money but the bank will see it as theirs. They won’t want to take responsibility for these transactions, so be prepared to stand your ground. Submit a complaint if you’re not satisfied by the way you’re dealt with. Someone behind the scenes will investigate and get back to you, normally within 10 working days.

Final word

Prevention is far better than cure here so be careful. Don’t write your password down and don’t make it the same one you use for everything else. Ignore those emails we all get asking you to reply with your account information as banks and credit card firms will never ask you for sensitive security information by Email.

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