Credit and Debit Card Fraud Protection

You can feel secure when you shop with Visa, knowing our payment technology is helping to protect you from fraud, and if the worst was to happen, there is a way you could get your money back.

You can pay for anything, anytime and have peace of mind that you’re doing it securely. Whether checking out online, in the supermarket or on holiday, you can do so quickly and easily, knowing our technology secures every payment. It keeps you safe from fraudsters and helps prevent anyone except you from using your card.

If your details do fall into the wrong hands and your card is used fraudulently, we can help put things right, and there are ways you could get your money back.

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Here are just a few of our expert pieces of advice and insights on ways you can help ensure you’re always paying for things securely and protecting yourself against card scams.

1 Always to keep your Visa card in sight when you’re paying for things

2 Keep an eye on your account for payments you don’t recognise. If possible, set up transaction alerts on your banking apps

3 If you see a card payment you don't recognise, report it to your card provider immediately

4 Never share your card details or PIN with others

5 Only communicate with your bank through official, secure channels with password or identity protection

6 Be wary of unexpected emails, texts or calls from your bank and check with your bank if you are unsure before responding to emails or text messages.

If you spot suspicious payments on your card, report them immediately to your bank. If your card has been used fraudulently, you could be protected by Visa’s Zero Liability Policy. This means you could get your money back.

The more you know about scams, the more ways you can protect yourself. Learn about the common types of scams and fraud and what you can do to avoid them.

What do I do if I'm a victim of fraud?
It's important to report any suspected fraud immediately so that your bank can block your card and secure your account.
How do I find out who used my debit card?
If you think your debit card has been used by someone else, contact your bank immediately.
What do I do if I think I've been scammed online?
Contact your bank immediately so that they can launch a bank fraud investigation, check if you have been scammed online and if you have, you are protected by our Zero Liability Policy and could get your money back.
How do I get my money back from a scammer?
With Zero Liability protection from Visa, you have the peace of mind that you will receive a refund if your card has been used fraudulently.
How long will it take for my bank to give back my stolen money?
Once you have reported an unauthorised or fraudulent transaction, your bank will investigate and aim to give your money back as quickly as possible. In most cases, your bank will return your money to you immediately while they investigate.
How do I contact Action Fraud?
You can visit the website at https://www.actionfraud.police.uk
What do I do if I've spotted unauthorised transactions or charges?
If you see unauthorised charges on your account, contact your bank immediately. They will look into it for you.
What happens when I report fraud to my bank?
Following a report that your card has been used fraudulently, Visa will deactivate your card and notify your bank for further investigation.

For most types of scams, you should first visit the Action Fraud website. But if a scam is putting you or someone else in immediate danger, call the police immediately on 999. If you believe you’ve been a victim of credit or debit card fraud you should report the activity to your bank or card provider.

You want to be able to buy things without worrying. Paying with Visa is the secure way to spend – however and wherever you shop. Learn more about paying safely in our helpful articles, reports and customer stories.