Frequently Asked Questions

What can you do to protect yourself from fraud?

It’s sometimes difficult to spot a scam before it’s too late. Fraudsters are experts at impersonating people, organisations, and even the police. They can target anyone and may use sophisticated and opportunistic ways to get hold of your money or your personal data.

Knowing what to look out for is one of the best ways to protect yourself against fraud and scams.

Here are some things you can do to help defend yourself:

Stop, think, and consider. If the request doesn’t seem right, it might not be.

If you’re on a call and feel unsure, disconnect the caller and then call back the organisation on a telephone number taken from an official source, such as its website.

Nomo will never ask you to move money from one account to another or for your full online passcode, PIN or password.

Never click on links or open attachments in emails you don’t recognise, or which appear to have arrived totally out of the blue.

If you receive an email, expand the pane at the top of the message and see exactly who it’s come from. If it’s not from or then it may not be from us.

If it’s a scam, the email address may be compiled of random numbers or spelt incorrectly. If you don’t trust it, don’t open it.

Check for typos and misspellings. Often, scam communications contain grammatical errors or poor spelling.

If you are pushed into making a decision on the spot, be suspicious! Scammers don't want to give you time to think about what you’re doing.

Often, scammers create elaborate stories such as you being involved in an accident, or that you’re in danger

Scammers will often look to exploit emotions such as fear, greed or pity, and create a sense of urgency e.g., ‘Pay Now’, or ‘Big Cash Prize’.

This is common with pension or investment scams, where the fraudster guarantees huge returns but promises low risk. All our rates are on our website.

Use a cash machine inside a bank branch, if possible, rather than one that’s outside. It will be more secure and can provide you with more privacy.

Have a look at the ATM before using it and run your finger along the card slip to make sure it hasn’t been tampered with.

Keep an eye out for individuals whilst using the ATM. Don’t let anyone get close enough to see what you’re doing.

Keep the keypad hidden and shielded to ensure that no one can see your PIN number.

If someone offers to help you with your card, refuse their offer and leave immediately.If your card is ever taken by an ATM, freeze your card on the Nomo app and contact Nomo immediately. Don’t leave the ATM while you’re doing this. Always report the incident to the bank where the machine is located. If you aren’t sure how to freeze your card, you can find instructions on how to do this here.

Shred all documents when you no longer need them (receipts, letters etc.) that contain your name, address, or other account and personal data.

Check your statements regularly for any transactions you don’t recognise

  • Memorise your PIN – never write it down or tell anyone what it is.
  • If you can’t memorise it, keep a note of your PIN in a safe place (not with your card).
  • Make sure nobody ever sees you entering your PIN.
  • If anything makes you suspicious while using an ATM, cancel the transaction and remove your card.