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Safe Banking


Vishing is an attempt of a fraudster to take confidential details from you over a phone call. Fraudsters claim to represent banks and attempt to trick customers into providing their personal and financial details over the phone. These details will then be used to conduct fraudulent activities on your account without your permission leading to financial loss.

How the fraudsters operate?

The fraudster calls the customer and claims to be calling from the Bank, impersonate an executive or business partner, or claim to be from a company such as Microsoft, British Telecom or Vodafone. He will ask for personal details user id, login & transaction password, OTP (One time password), URN (Unique registration number), card PIN, CVV or any personal parameters such as date of birth, mother's maiden name, passport number, driving licence number, and/ or national insurance number. He may also ask you to install an ‘app’ on your smart phone for them to track or check the status of the service which will eventually give control of your phone and the data it stores.

Tips to protect yourself from vishing

  • Your bank would have knowledge of some of your personal details. Be suspicious of any caller who appears to be ignorant of basic personal details like first and last name (although it is unsafe to rely on this alone as a sign that the call is legitimate). If you receive such a call, report it to your bank.
  • Do not call and leave any personal or account details on any telephone system that you are directed to by a telephone message or from a telephone number provided in a phone message, an e-mail or an SMS especially if it is regarding possible security issues with your credit card or bank account.
  • When a telephone number is given, you should first call the phone number on the back of your credit/debit card or on your bank statement or provided on the bank’s website to verify whether the given number actually belongs to the bank.
  • If you get an SMS or call asking for personal or credit/debit card information, please do not provide this information.
  • The moment you suspect it's a vishing phone call, don't feel obliged to carry on a polite conversation. Simply hang up, and block the number.
  • Don’t install any app on your smart phone on the request of the caller you don’t recognize it genuine.
  • In case you've provided your financial or personal information to someone who you later think is a scammer, report us the incident with caller's number, date and time of call at 0344 412 4444 (in case you are in UK) or +44 203 478 5319 (in case you are outside the UK) and ask about cancelling fraudulent transactions and/or blocking future changes to your account with ICICI Bank.
  • You may also report your incident to Action Fraud at and other institutions with whom you have relationships.
  • You may like to register your contact numbers for ‘Telephone Preference Services’ at It is a free opt out service enabling you to record your preference on the official register and not receive unsolicited sales or marketing calls.

For more information and guidance on cyber security, kindly visit website of the National Cyber Security Centre (NCSC) at The NCSC is an organisation of the United Kingdom Government that provides advice and support for the public and private sector in how to avoid computer security threats