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Customers seeking secure banking

  • Strong fraud awareness guidance

  • Secure online banking practices

  • Early fraud detection support

  • Clear reporting process

Safe Banking solutions and tips

Stay safe from scams

Report an unauthorised transaction

Fraud through social media

Staying safe through online and mobile banking

How to protect yourself

Money Mule
  • Be cautious of anyone approaching you with an offer of commission or rewards to receive funds into your bank account. Be alert for any offers to receive funds related to employment which you have not applied for.
  • If you are worried you may have inadvertently become involved in muling, immediately contact the appropriate authorities, and your bank

Red flags for Money Muling

  • Unsolicited job offers involving rewards / commissions for transferring funds on behalf of a third party.
  • Job offers promising significant earning potential for little effort -  remember if an offer sounds too good to be true, it probably is
  • Emails offering commissions / rewards are poorly written / grammatically incorrect
  • The email address associated with the offer uses a web-based service (Gmail, Yahoo!, Hotmail, etc.) instead of an organisation-based domain.
  • Any third party offering commissions for moving funds on behalf of someone else. The person requesting may state that they have temporarily lost access to their bank account, or that they are travelling and cannot access funds, or other reason.
  • There is often a crossover between romance scams and muling, where fake profiles are created to dupe victims into believing they are in a relationship with someone online, with victims then being persuaded to send funds on behalf of the person they are communicating with online.

Vishing
  • If you receive a call from anyone saying they are from your Bank or another official organisation such as a telephone/utility provider, HMRC, Home Office or Law Enforcement, confirm that you will call them back. Any genuine caller will be comfortable with this. Be particularly vigilant if contacted by anyone mentioning there are possible security issues with your debit card or bank account. Take note of any pressure/threats as this is a sign of a scam. Once you disconnect the call, proceed to call back only via the official numbers shown on a genuine website, written on previously received official correspondence or on the back of your debit card/bank statement. Do not call the number back that has called you.
  • 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.
  • Never provide any personal information via an SMS or phone call.
  • Never install any app or remote software on your smart phone/device at the request of any caller.
  • You may also report any incident to Report Fraud or your bank if you have any concerns about vishing.

Spoofing
  • ICICI Bank will never send emails that ask for confidential information. If you receive an email requesting your Internet Banking security details e.g. PIN, password or account number, you should not respond.
  • Check for the padlock icon: There is a de facto standard among web browsers to display a padlock icon somewhere in the window of the browser. Click (or double-click) on it in your web browser to see details of the site's security. Microsoft Edge places the icon at the far left of the address bar.
  • Check the webpage's URL. When browsing the web, the URLs (web page addresses) begin with the letters "http". However, over a secure connection, the address displayed should begin with "https" - note the "s" at the end.
  • Don’t click on “login” or “verify/update your account” links in any unrecognised emails. Always open a new window and use the Bank’s official page to log into your account
  • In case you've provided your financial or personal information to someone who you later suspect is a scammer, immediately call us at 0344 412 4444 (if you are in the UK) or +44 203 478 5319 (if you are outside the UK) and ask about blocking fraudulent transactions and/or blocking future payments.
  • You may also report incidents to Report Fraud at https://www.reportfraud.police.uk/ and other institutions with whom you have accounts.

Smishing

SMSs are sent to victims advising them that their accounts are compromised or telling them to open new accounts. SMSs are also sent purporting to be a retailer offering discounts or gift vouchers, or HMRC informing potential victims that they are due a tax refund. Victims are then duped to click on links embedded within the SMS.

Tips to protect yourself from Smishing attacks:

  • ICICI Bank will never send an SMS requesting confidential information. Do not respond to any SMS requesting security information such as a PIN, password or account number. If you have any doubts about any SMS you have received, contact your Bank or other account provider.
  • Never click on links embedded in an SMS.
  • Tell us about suspicious emails that contain our name or logo or SMS messages that ask for confidential information. Forward the original email to us at reportphishing@icicibank.com.
  • Check accounts regularly to check your account activity and update passwords regularly.
  • If you suspect you have provided any financial or personal information to someone who you later suspect is a scammer, immediately call us on 0344 412 4444 (if you are in UK) or +44 203 478 5319 (if you are outside the UK) and ask about cancelling fraudulent transactions and/or blocking future changes.
  • You may also report your incident to Report Fraud at https://www.reportfraud.police.uk/ and other institutions with whom you have relationships.

Phishing

How to identify an email Phishing attempt?

  • Unsolicited emails asking for confidential banking details, using pressure / coercion or mentioning security issues to persuade you to take urgent action.
  • There are links in emails to apparently genuine websites - check the legitimacy of the website by rolling the cursor over the link or check for https:// where “s” stands for ‘secure site’.
  • Fraudsters will impersonate genuine email addresses, domain names, logos, etc to give an authentic look to fake emails.
  • Fake emails will always use a generic salutation e.g "Dear Banking Customer". Your bank's authentic emails will always address you by your name e.g. "Dear Mr. Suresh Kumar". Be alert also for poorly written emails with spelling or grammatical mistakes.
  • Fake emails will always encourage you to click on to a link to verify or update confidential account information. The embedded links may look authentic but when you move the cursor/pointer over the link, there may be an underlying link/URL to a fake website.

Skimming

Tips to protect yourself from skimming

  • Stand close to the ATM and cover the keypad when entering your PIN. Maintain a safe distance between yourself and other ATM users.
  • If you see anything suspicious, or the keypad feels different, stop your transaction and inform the bank
  • Do not use any ATM if it appears anything is inserted into the card slot. Cancel the transaction, inform your bank, and never try to remove suspicious devices
  • Be cautious of anyone trying to distract you at an ATM.
  • Keep your PIN a secret. Never reveal it to anyone, even to someone who claims to be calling from your bank or a police officer

Additional tips for staying safe

  • If you detect any usual activity in your account, call us immediately on 0344 412 4444 (f in UK) or +44 203 478 5319 (if outside the UK) and report any fraudulent transactions so we can add appropriate blocks on your account or card
  • You can also contact Report Fraud via https://www.reportfraud.police.uk/

Cheque Book

Cheque Book Tips

  • Keep your cheque book in a safe place
  • Maintain record of all cheques issued and reconcile with your account statements on a regular basis
  • Do not sign a blank cheque. Always enter the name of the receiver, date and amount. Cross out any blank spaces
  • If you lose or misplace your cheque book or a leaf, report it to us immediately by calling 0344 412 4444 (Calls to this number use free plan minutes if available, otherwise they cost the same as 01/02 prefix calls. Phone line open 24/7) or write to ukservice@icicibank.com

unsafe cheque

  • Do not write/sign/mark/pin/staple/paste/fold on above band
  • Do not leave extra spaces between words or figures
  • Avoid making alterations. Instead, write a new cheque.
  • Always draw a line through any unused space

safe cheque

FAQs

What should I do if I notice an unauthorised transaction?

If you suspect fraud, report it immediately to ICICI Bank UK using the dedicated numbers. Quick reporting limits financial impact, allows fast case tracking and helps in chargeback recovery.

How can I protect myself from phishing, smishing and vishing?

Never share personal or banking information via email, SMS, or phone calls. Verify the sender’s identity, monitor account activity and report suspicious messages immediately.

Please see the above sections under ‘How to protect yourself’ providing detailed safe banking tips for each scam type.

What is skimming and how can I prevent it?

Skimming occurs when fraudsters steal card data using ATMs or card payment devices. Protect yourself by shielding the PIN, checking card slots and monitoring your account for unusual activity.

Please see the above section under ‘How to protect yourself’ for safe banking tips to protect yourself from skimming.

How do I stay safe on social media and avoid fraud?

Avoid installing unknown apps, clicking suspicious links, or sharing sensitive information online. Fraudsters may use counterfeit apps or links to collect your personal data. For more information, please visit Fraud through Social Media.

VIEW ALL FAQs

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