A person holding up an umbrella in the rain in front of a Barclays branch

Protecting your account

How we help to keep your money safe

We always look out for threats from fraudsters. Here are some measures we take to make sure your money is secure.

24-hour protection

We’re looking out for you and your money round the clock so you can rest assured we never stop working to keep your finances safe.

  • If a fraudster does manage to steal money from your account, you’re automatically protected by our Online and Mobile Banking Guarantee看黄神器免app免vip_免费的黄神器手机安卓_黄 色带 app免费试看. This means we’ll refund your account straightaway – as long as you haven’t acted fraudulently or without reasonable care (for example, you haven’t kept your PIN written down with your card, or told someone else what it is).

    If we have reasonable grounds to think you’re not entitled to a refund, we might look into your claim first. We won’t give you a refund if we think you’ve acted fraudulently – in those cases, we may involve the police.

  • Our PINsentry gives you a strong layer of protection to add to your log-in details, and helps keep your accounts even safer.

    It works by asking you to insert your Barclays debit card and PIN into a card reader that we send you. The reader generates a unique security code that you'll then need to type into Online Banking. And if you register for our app, you can get the code on your smartphone using Mobile PINsentry. That way, you get the extra security when logging in without needing to carry your card reader around.

  • 看黄神器免app免vip_免费的黄神器手机安卓_黄 色带 app免费试看We’ve put three lines of defence in place to make it harder for fraudsters to get through.

    • Data encryption – our Online Banking service is hosted on a secure, 128-bit encrypted server. This means that any information you send us is scrambled for your protection
    • Timed log out – we’ll log you out if you don't use the service for 10 minutes. This gives you extra protection if you forget to log yourself out
    • Deactivation of your log-in details – we'll automatically disable your access to Online Banking if 3 incorrect log-in attempts are made. This is to stop fraudsters making repeated attempts to get into your accounts
  • We’re always checking for any suspicious activity on your account, so you may get a text message or call from our automated system to confirm a recent transaction or a change of address.

    看黄神器免app免vip_免费的黄神器手机安卓_黄 色带 app免费试看Sometimes, we may delay or decline transactions that we think are unusual, or even block your account until we can confirm that you’re making the transaction. Keep your contact details up to date so we can get in contact quickly to keep any inconvenience to a minimum.

    What should I expect if someone does call?

    If we do call, we’ll never ask for your passcodes, passwords, PIN, card details, PINsentry codes or sensitive account information. If we send you a text message, we’ll only ask you to reply with a ‘Y’ or an ‘N’. (These text messages are free to reply to in the UK and will cost no more than a standard text from other countries).

    If you get a call, voicemail or a text from someone claiming to be from our fraud team and you think it’s suspicious, call us back using the number on the back of your card. Always make sure the line is clear first, to ensure the fraudster isn’t still on the line. You can also verify the phone number using our telephone number checker.

  • To give you greater protection against fraud, the way you pay online is changing.

    New rules on payment services mean you’ll sometimes be asked to prove it really is you when making some online purchases.  

    看黄神器免app免vip_免费的黄神器手机安卓_黄 色带 app免费试看You’ll have a choice of three ways to confirm it’s you

    • The Barclays app (make a few taps on your screen)
    • Text message (type in a code sent to your mobile)
    • PINsentry card reader (use it with your card to generate a code)

    The quickest and easiest way to confirm is by using the Barclays app. 

    Find out more on how the changes could affect you.

…and we’ve plenty to help you keep an eye on your cards too

A woman working in a café holds a bank card as she speaks to a customer

Card security and spending controls

Our fraud prevention features put you in control of your debit card payments. You can set spending limits and choose how your card works - and instantly update your preferences to suit your needs.

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A young woman writes notes as she takes a phone call at a table in a café

How to report fraud

Think you’ve been a victim?

Get in touch with us right away if you think you’ve seen suspicious activity on your account. Here you’ll find the numbers you need, the next steps to take and what we’ll do to help. 

A florist wearing an apron takes a call on her mobile

Phone number checker

Check whether a Barclays number you’ve been asked to call is genuine – and find out how to handle incoming calls that make you suspicious.

Padlocks locked onto a red-painted fence

Protect your personal data

Learn to better protect yourself

看黄神器免app免vip_免费的黄神器手机安卓_黄 色带 app免费试看Whether by email, text or on social media, fraudsters can fool you into handing over personal details they then use to commit crime. Our guide will show you steps you can take to help stay safe online.