Keep your account secure

LDN4 Capital is in full support of the ‘Take Five’ campaign. An initiative run by Financial Fraud Action UK, it’s about taking a few minutes to stop and think about the red flags you might miss if you’re feeling rushed, confused or pressurised.

 

We’ve taken inspiration from the ‘Take Five’ campaign to put together our tips for keeping your account safe.

Top five tips

1. Make sure you know who you’re talking to before giving out any personal information

Before you give out any personal information, stop and think about why the person asking for it needs it. Question uninvited approaches, and contact the company directly using an email address or phone number you know is theirs. Never let anyone else know your security details, like your PIN or password. 

 

2. Don’t click on links in emails or download files

You shouldn’t assume an unexpected email or text message is authentic. Clicking on an unknown link that takes you to a login page, or a page that asks you for personal information can give fraudsters access to your personal or financial details.

 

3. Don’t let anyone rush or pressure you into making a decision

Stop and take time to consider what you want to do and if you are comfortable with what you are being asked by the caller. No trusted organisation would force you to make a transaction on the spot, or ask you to transfer money into another account.

 

4. Trust your instincts

If something doesn’t feel right, question it and don’t give out any information until you have made sure who you’re speaking to. Fraudsters can lull you into a false sense of security, making themselves seem trustworthy when they aren’t.

 

5. Don’t panic

Have the confidence to refuse unusual requests for personal or financial information. Criminals may try to intimidate you by starting complex conversations – stop the discussion if you feel out of control.

Choosing strong passwords

When you apply for an LDN4 Capital account, we ask you to choose a password to access your account online. It’s important that you choose this carefully, as a secure password will help keep your account safe from fraud.

Three signs a text message might be a scam


  1. The message asks for personal or financial information, passwords, or to make a transaction.
  2. It asks you to call them on a number you don't recognise. Find your bank's phone number from a source you trust – their website or a bank statement – to check it’s authentic.
  3. There’s an urgent tone to the message, asking you to act quickly.





Telephone scams

No genuine organisation – be that us, your bank or alike – will ever call you to ask for your password or to move money to another account.

 

Only give out personal information like your date of birth or address when you’re sure of who you’re speaking to. Ask to call them back if you’re unsure, using the organisation’s phone number from a source you trust.

Three signs a text message might be a scam


  1. The message asks for personal or financial information, passwords, or to make a transaction.
  2. It asks you to call them on a number you don't recognise. Find your bank's phone number from a source you trust – their website or a bank statement – to check it’s authentic.
  3. There’s an urgent tone to the message, asking you to act quickly.





Text message scams

If you receive a text message telling you that you’ve been a victim of fraud, be wary. It could be a criminal pretending to be your bank or another trusted organisation. Texts like these often ask you to call a number or visit a fake website to update your details.

Three signs a text message might be a scam


  1. The message asks for personal or financial information, passwords, or to make a transaction.
  2. It asks you to call them on a number you don't recognise. Find your bank's phone number from a source you trust – their website or a bank statement – to check it’s authentic.
  3. There’s an urgent tone to the message, asking you to act quickly.





Phishing emails

Phishing emails look like they are from a legitimate company and typically ask you to share security information or details about your bank account. They often contain links to sites that may contain malware or give the criminal access to your device.

Check for fraud


  1. If you’re suspicious, check the following:
  2. Does the email use your proper name?
  3. Does the sender address match the website address of the organisation you think it’s from?
  4. Is there a sense of urgency, asking you to act immediately?
  5. Are there spelling and grammatical errors?
  6. Is the entire text of the email in an image?
Don’t click on any links – they may take you to a fake website. If you’re unsure whether the email you’ve received is genuinely from us, give our Customer Care Team a call and we’ll be happy to help.





Stay safe online

Scammers often use malware – which means malicious software – to attempt to steal your personal or financial details, or to take control of your device. There are a few things you can do to help keep yourself safe online.

 

Check that you’re using a secure HTTPS connection

Always check that the URL is spelt correctly. And if the website is secure, you should see a padlock symbol before the URL.

 

You can click on the padlock to check that the connection is secure and for more information, or you can click into the URL field to see whether or not it starts with https://. If it doesn’t, don’t share any personal information with that website.

 

Update your anti-virus software

Make sure your device has the latest software updates installed – some of those updates are designed to combat fraud and keep your device secure. And make sure you have anti-virus software installed to help protect you.

 

Don’t download software you don’t recognise

Never download software from a source you don’t trust. These links often contain software that could give criminals access to your device. If someone has called you unexpectedly claiming to be from your bank or another trusted organisation, be wary and never give them access to your device.

What we do to protect you

Nothing is more important to us than protecting your personal information and your savings – here are some of things we do to help keep you safe.

 

Last logged in

When you log into your account, we show you the last date and time you logged in on your dashboard. If something doesn’t look right, call us as soon as possible.

 

Recent transactions

You can check your recent transactions by logging into your account and selecting ‘statement’.

 

Linked account

You can only withdraw money from your account to one external bank account – we call this your linked account. This stops money being transferred from your account to anywhere but the linked account you’ve chosen and verified with us.

 

It’s still important that you take every care to keep your account and money safe. For example, if you transfer money from your LDN4 Capital account to your linked account to pay for something, make sure that you’re confident you know who it is you’re paying.

 

Data encryption

Your data is encrypted and transferred between our systems securely, and we monitor our systems 24 hours a day, seven days a week.

Contact us

If you suspect you’ve been a victim of fraud or if you have any other questions about how to keep your account secure, please call our Customer Care Team on 0203 287 4656 or +44203 287 4656 if you’re calling from abroad. Our lines are open from 8am to 8pm, Monday to Friday (excluding bank holidays).

 

Out of hours advice

If you suspect you’ve been a victim of fraud:

 

  • Change your password immediately by clicking ‘settings’ and then 'change password' from the main login page. 

  • Contact your bank account provider as soon as you can and tell them what’s happened.

Helpful links

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Contact Us

+44 (0) 203 287 4656

8am to 8pm

Monday to Friday

Investment Warning: Trading on margin carries a higher risk, and may not be suitable for all investors. The high degree of leverage can work against you as well as for you. Before deciding to invest, you should carefully consider your investment objectives, level of experience, and risk appetite.

 

The possibility exists that you could sustain a loss of some or all of your initial investment and therefore you should not invest money that you cannot afford to lose. You should be aware of all the risks associated with trading, and seek advice from an independent financial advisor if you have any doubts. 

 

Past performance is not necessarily indicative of future results.