I received an automated call from NatWest's fraud department warning of suspected fraud on my account. The recorded message asked me to call back, and after navigating through I eventually spoke with the genuine fraud team. They simply verified a recent transfer and, after confirming it was legitimate, released the payment.
NatWest Alert or Scam? - +44 345 646 1115 (0345 646 1115)
Summary — +443456461115
Expert Opinion
Caution is essential with calls from this number, as experiences split sharply between genuine NatWest fraud alerts and cunning scams that spoof the bank's details. Scammers often mimic official texts in existing threads, using your name and partial account info to build trust before pushing for sensitive data like national insurance numbers or urging unauthorised transfers. Always hang up immediately and ring NatWest using the number on your card or app to verify—never call back the incoming line. Genuine teams won't demand personal details over the phone or pressure hasty actions. If in doubt, freeze your cards via the app and report to Action Fraud. Prompt checks prevent account freezes or losses, so act swiftly without delay.
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Rate this number — +443456461115
Recent Reports for 0345 646 1115
A text arrived in the usual NatWest conversation thread saying, 'Hi [name], we’ve held a recent payment to your account ending … to prevent a potential scam. If you’re being pressured after an unexpected call, STOP. NatWest will never ask you to move money. We’ll call shortly to discuss.' This was followed by two missed calls and a voicemail urging me to call back. I ignored it, forwarded the message to NatWest’s fraud line, and hope my report helps.
The messages came at night within an existing NatWest chat, looking authentic, then another text from a mobile followed. On closer look the details were off. After contacting NatWest, they advised freezing the cards and speaking to the fraud team during business hours. A call from this number left a voicemail with incorrect information. It’s clearly a scam, likely masking the real number, with several texts trying to extract personal data. NatWest’s fraud department confirmed the fraud.
That was a scam; they spoofed a NatWest number to trick me, so kudos to me for spotting it.
An attempt was made to move money out of my account but failed online. The fraud department of NatWest was impersonated, and even after I authorised the closure of my account they tried again. I checked the number on my iPhone, found it listed here, and will contact my bank; the number used was 0345 646 1115.
One of the many numbers employed by NatWest's fraud team is frequently spoofed by scammers, who also post fake scam reports to encourage victims to block or ignore bank calls. The call might be genuine, but you can never be certain. End the call, verify the line is clear, then call your bank using the number on your card without delay. Review all posts on this feed for guidance.
443456461115
Scam
We received a call from this number and, thanks to this helpful website, chose not to continue the conversation.
After dialing the official NatWest number, I confirmed the call was a scam; they even spoofed the bank's text service to make their message sit among genuine threads. Hang up and ignore – it will eventually try to siphon money from your account.
Allegedly the NatWest fraud team knew my full name, the last four digits of my card and my home phone number. It turned out to be a recording, not a real person – treat with caution and ring back the fraud hotline on your card to verify who Gamma/Telecom Holdings really are.
Repeated calls and a text arrived on my mobile, then instantly on my landline, pretending to be NatWest's fraud team, using my name and fake account digits – I've never held a NatWest account.
443456461115
Scam
NatWest confirmed the call wasn't from them—do not reply.
Although it appears to be the NatWest fraud team, it's wiser to hang up and ring NatWest directly.
Should a NatWest fraud team number really sound this incoherent, with broken English, I became instantly suspicious and hung up, as the operator couldn't confirm an SMS they claimed to have sent.
Following a prolonged dispute with NatWest’s fraud department, I can confirm this is a genuine NatWest number used for suspected fraud; they advise calling back quickly via this line or the official fraud number on your card to avoid account freezes.
My bank rang to confirm an unusually large payment; I missed it at first, thought the voicemail sounded scammy, but a prior text from the same verification number and timing convinced me it was legitimate, so I called back and approved the transaction.
443456461115
Scam
The person claimed to be from my bank and said they needed to confirm a transaction on my online account. I went through the verification, yet they then asked for my national insurance number, which raised concerns.
A NatWest anti‑fraud representative helped me approve an unusually large payment.
According to the NatWest fraud team, the payment was authorized, so it appears legitimate.
The alert appears to be from NatWest’s fraud team.
443456461115
Unknown
No answer from an unknown number.
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