Home ScamsPhishing Scams NatWest ‘Inadequate Security Enrollment’ Phishing Scam

NatWest ‘Inadequate Security Enrollment’ Phishing Scam

by Brett M. Christensen

Email purporting to be from UK bank NatWest, claims that the recipient’s online banking has been disabled due to “Inadequate security enrollment” or a login error. The recipient is instructed to click a link to login to reactive the account. 

Brief Analysis
The email is not from Natwest. The message is a phishing scam designed to trick recipients into submitting their personal and financial information to cybercriminals. The link opens a fake website made to look like a genuine Natwest web page.


Dear NatWest Customer,

Personal details of your NatWest account has
encountered an error which made your online
banking disabled.

The cause may be:

* Inadequate security enrollment
* Your account has been logged in from a different location
* Invalid attempt login

As a bank we strongly recommend you to re-activate your account
by clicking on the link below and follow the required steps

Click here to Sign in

Yours sincerely
National Westminster Bank

Detailed Analysis
According to this email, which purports to be from UK based bank NatWest, the recipient’s online banking access has been disabled due to “inadequate security enrollment” or an issue with previous login attempts. Recipients are asked to click a link and follow the required steps to reactivate the account. The email includes a NatWest logo and appears to have been sent from a legitimate NatWest email address.

However, the message is not from NatWest. It is a typical phishing scam designed to trick NatWest customers into divulging their account login details and other personal and financial information to Internet fraudsters.
Those who succumb to the ruse and click the link as instructed will first be taken to a fake NatWest login page and asked to login. After they have clicked the login button, they will be taken to a second bogus form that asks them to input further information about their account, including passwords, debit card numbers and ATM PINS. When they have supplied these details, they will be taken to yet another bogus form that asks for their credit card details and further personal information.

After filling in the final form, they will then be automatically redirected to the real NatWest website. Content in the false belief that they have successfully overcome the supposed issue and restored access to their accounts, victims are unlikely to realize until far too late that they have been phished.

Meanwhile, the criminals responsible for the phishing scam can collect the stolen account data, use it to hijack the compromised NatWest accounts, and go on to commit credit card fraud and identity theft.

The scammers have used email address spoofing to make it seem that messages were really sent by NatWest. They also use graphics and formatting stolen from the genuine NatWest website to make their bogus emails and web pages look more authentic.

Your bank will never send you an unsolicited email that asks you to click a link or open an attached file to restore account access or update details. Phishing is a very common scam that finds new victims all around the world every day. It is always safest to login to your online accounts by entering the account address into your browser’s address bar rather than by clicking a link in an email.

Importance Notice

After considerable thought and with an ache in my heart, I have decided that the time has come to close down the Hoax-Slayer website.

These days, the site does not generate enough revenue to cover expenses, and I do not have the financial resources to sustain it going forward.

Moreover, I now work long hours in a full-time and physically taxing job, so maintaining and managing the website and publishing new material has become difficult for me.

And finally, after 18 years of writing about scams and hoaxes, I feel that it is time for me to take my fingers off the keyboard and focus on other projects and pastimes.

When I first started Hoax-Slayer, I never dreamed that I would still be working on the project all these years later or that it would become such an important part of my life. It's been a fantastic and engaging experience and one that I will always treasure.

I hope that my work over the years has helped to make the Internet a little safer and thwarted the activities of at least a few scammers and malicious pranksters.

A Big Thank You

I would also like to thank all of those wonderful people who have supported the project by sharing information from the site, contributing examples of scams and hoaxes, offering suggestions, donating funds, or helping behind the scenes.

I would especially like to thank David White for his tireless contribution to the Hoax-Slayer Facebook Page over many years. David's support has been invaluable, and I can not thank him enough.

Closing Date

Hoax-Slayer will still be around for a few weeks while I wind things down. The site will go offline on May 31, 2021. While I will not be publishing any new posts, you can still access existing material on the site until the date of closure.

Thank you, one and all!

Brett Christensen,