Fraud Awareness

St. Raphael's Top Tips To Protect Yourself From Fraud.

1. St. Raphael’s will never ask members to click a link via text message. 

2. Never click on links in unsolicited texts.

3. Do not share your login details or PIN numbers with anyone.

4. If you get a call out of the blue, claiming to be your Bank or Utility Company etc. do not talk to the caller and do not provide any personal details.

     – If unsure, call the bank or utility company directly to clarify. 

5. Shop directly from trusted retailers’ websites – Check for the HTTPS Pad Lock Symbol.

6. Be cautious of unbelievable deals – If it seems too good to be true, it usually is. 

7. Avoid public Wi-Fi – Use a secure connection.

8. Keep your computer security settings up-to-date.

9. Avoid saving passwords – Use a unique passphrase for each site. 

10. Be careful of Charity Scams – Never provide payment to a phone call, text message or email request. Instead, visit the charity site directly. 

What To Do If You Think You Have Been Impacted

If you think your St. Raphael’s Account has been impacted, please contact us on 0818 247 365 to report the Fraud Immediately. 

Reset your passwords and create a new password using a variety of upper and lowercase letters, numbers and symbols.

Remember Take Your Time & Slow Down.

Be Informed.

Be Alert.

Be Secure.

Type of Attacks:


A manipulation or deceiving technique to gain private or confidential information that may be used for fraudulent purposes. 

Social Engineering attacks will make you act fast with a sense of urgency and pressure. 


A technique for attempting to acquire sensitive data such as bank account numbers through a fraudulent email or on a website. 

The Fraudster pretends to be a legitimate business or reputable person. 


Is a combination of SMS and Phishing. 

Fraudsters send a deceptive text message to lure people into sharing personal data or information, clicking on malicious links or downloading software. 


Is short for Voice Phishing. 

Fraudsters ring people over the phone, enticing them to give private or sensitive information or get you to perform some action on the
fraudsters behalf to gain financial advantage. 

Mum & Dad Impersonation

It involves fraudsters impersonating a victim’s child and asking for money. 

Unsuspecting parents are deceived into transferring funds into a scammer’s bank account.

The message leads the parent to website links that are not genuine. Fraudsters collect personal card details and online banking details. 


This fraud involves the use of stolen or counterfeit payment cards that are used to make payments or withdrawals. 

This also includes card details stolen from online payments or over the phone. 

Please keep your card in a safe place, keep your PIN safe and never disclose codes or One Time Passcodes. 

Use a verified website.


A scammer creating a fake website purporting to offer investment products from well-known names, which do not exist. 

Scammers share legitimate brochures and the person is asked to transfer funds to an account belonging to the scammer before realising the account does not belong to legitimate company. 

Payment App

Fraudsters tricking people into willingly making large transactions to the fraudsters. Claiming that your account has been hacked, and to move money to a safe place. 

If you ever receive an authorisation request on your app for a transaction without your knowledge – DECLINE.
If approved, money will be transferred out to the fraudster’s account. 

For more information about Fraud or Scams, please see or An Garda Síochána.