Duncan Lawrie Online ▼

Email - for your protection.

Communicating by unencrypted email is particularly unsafe. If you contact us by email, there is no guarantee that we will receive it, or that its contents will stay private or unaltered during internet transmission. Your email account may have been hacked without your knowledge and fraudsters may be monitoring your emails.

We reserve the right to monitor the use and content of emails sent or received by us, to:

  • Ensure they comply with our own email policy
  • Identify and take action against unlawful or improper use of our systems, including, but not limited to, spoofing, the transmission of computer viruses and a denial of service attack.

We may without notice decide not to act on any request made by email purportedly sent by you. For secure communication, we highly recommend our online banking service, more about which you can read here.

Beware of fake emails and websites using Duncan Lawrie's name

We are aware that Duncan Lawrie's name has been used in fake emails and bogus websites. The fake emails are from fraudsters who have nothing to do with the Duncan Lawrie Group. We advise you not to contact the sender of any email, not to disclose any bank details to them and not to pay any money to the fraudsters. Often fraudsters will offer you money from prize winnings, deceased estates, dispute settlements or other non-existent sources. Sometimes they will state that they are employed by the Duncan Lawrie Group. Do not be tempted to contact them or accept their offers.


If you download any software, it is at your own risk. We do not warrant its suitability and accept no liability for any problems with your computer that may arise as a result of the download. If you are in any doubt about the suitability of software for your computer, you should get specialist advice before downloading.


When you write a cheque, it will help to prevent fraud if you clearly write the name of the person you are paying the cheque to and put extra information about them on the cheque. This is particularly important if you are not personally paying in a cheque (for example, when you send it through the post).

If you are paying a cheque to a large organisation such as HM Revenue & Customs, do not make the cheque payable to that organisation only. Add further details into the payee line (for example, HM Revenue & Customs re: J Jones, your reference xxyyzz).

If you are making a cheque payable to a bank or building society, do not make the cheque payable to that organisation only. Add further details in the payee line (for example, XYZ Bank, re: J Jones, account number 123456). Your cheque is likely to be returned to you if you only write the name of the bank or building society in the payee line.

In all cases, you should draw a line through any space you do not use on the cheque so unauthorised people cannot add extra numbers or names.

Keeping your personal information secure

Keep your plastic cards and cheque books safe and separate from each other. Keep your personal identification numbers (PINs) or passwords secret. Memorise them rather than writing them down or keeping them with your cards.

Never provide information about yourself or your account unless you know for certain whom you are dealing with. If you receive unexpected telephone calls, be cautious if the caller asks for your PIN or other identifiers (such as your memorable name or date). Remember, they have instigated the call and should already have your details. If in doubt, ask for the caller's name and arrange to call them back on an independently sourced telephone number.

Check your account and statements regularly. If you see any transactions that you consider suspicious or do not recognise, alert your bank immediately.

Take care when disposing of any paper that contains account information or personal data that might be used to identify you. Consider using a shredder before throwing away:

  • Old bank statements
  • Discarded or partially completed application forms
  • Renewal notices
  • Partially completed direct debit or standing order mandates
  • Detailed mailshots.

If you are robbed (or lose your bag/case/wallet), call your Duncan Lawrie Relationship Manager to let them know immediately if you have lost personal information that might put your account at risk.

Always let your personal Relationship Manager know immediately if you change your name, address, phone number or email address.

We are aware of incidents where bank clients have been approached by someone asking to pay funds into their account on behalf of a third party, sometimes with the offer of a commission payment. These funds are often the proceeds of fraud and you should refuse any such request, whatever the circumstances. If you allow your account to be used for third party transactions we may have to close it, and it might mean that you, and your account, are investigated by the police.

If at any time you feel your account details may have been obtained by a third party without good reason, please contact your personal Relationship Manager immediately.

Staying safe online

There are some very credible-looking spoof (fake or fraudulent) websites around nowadays. If you visit a website via a link in an email, do not enter any personal, confidential or security details unless you are confident that both the email and webpage originate from your bank or from a third party provider from whom you have chosen to receive emails. If you are in any doubt, please contact your Duncan Lawrie Relationship Manager.

Don't be conned by convincing emails offering you the chance to make easy money. Always ensure you have a secure connection when connecting to Duncan Lawrie Online or when buying from an online shopping site. If the website is secure, a locked padlock or unbroken key should appear in the bottom right of your browser window. When paying for items online, check that the site has 'https' in the browser; this also signifies a secure connection.

Never leave your computer unattended when logged in to a secure site such as internet banking.

Ensure you log out properly when you have finished banking online or using another secure site.