+44 786 002 032 3
Risk level: Low
Who is this? Spam, telemarketing or a legitimate call? Community reports in United Kingdom.
Number with prefix 786. Review community reports, risk and comments below before answering or blocking. Browse numbers with prefix 786
AI Analysis
Limited information: Mixed user reports indicate both legitimate fraud prevention and scam activities. UK bank (RBS/Natwest) fraud department verification texts, but some users report scam attempts with fabricated transactions.
Likely purpose: Possibly used for transaction verification by UK (RBS/Natwest) bank fraud departments, but also reported in scam attempts.
Most common user complaints
- asking to verify transactions with Y/N response
- reporting fraudulent transactions not made by them
- confusion between legitimate bank fraud alerts and scams
AI analysis: 16 Jul 2026
Information based on community reports and automated analysis. It may contain errors or be out of date, and is not legal advice or a verified accusation against the number's owner.
United Kingdom
Operator information
- Country:
United Kingdom- Prefix:
- +44
- Type:
- Other
- Operator:
- EE, O2, Vodafone, Three
Recent searches
Last 7 days
Community comments
22Happy new month everyone,I Mattie from USA, just this morning i received a blessing, i received my blank ATM card from Card Delivery Service, this card is so special to me, with this card i am able to collect 3000$ twice in a week, i am so happy to get this card, the card worked for me and i am happy, if you need this kind of card just contact him on his private mail : [email protected] or the company email: [email protected] i posted this here because it will help the general public, if you have financial problems or you need money just apply and you will get your card.
I had my card details stolen and these guys flagged it up, text me a Y/N reply question, called me back and informed me / confirmed a bunch of purchases on my card that I hadn't made. THIS IS NOT A SCAM NUMBER.
Received a text from Natwest, verify recent payments. Another text from 07860020323, saying SOLETRADER 98 & THE IDLE MAN CO tried to use my card at 0.33am, 0.36am and 0.39am, I had to text Y or N back, I text N then they tried to call me back. I checked on my bank's homepage for fraud, spoke to a man asking if I had heard of them, so the bank has now put a stop on my card. Thank you Natwest.
Fraud section for RBS/Ulster Bank (NI) & Ulster Bank (IRL)
Had text from number, was not comfortable replying so rang Natwest who confirmed it was from them and had put card on watch. Worth ringing back to confirm transactions as the watch facility would have stopped contactless/online transactions that don't require a pin number. Still glad I rang rather than use the text number.
This IS a Nat west number, and was preceded by a Nat west security alert text. We didn't think it was Nat west at first based on online feedback such as the above, so we blocked the number and didn't reply, especially as our online account seemed fine. Next day we went into a branch and they confirmed it was them and that our bank card had been fraudulently used on line and 3 X £200+ transactions blocked by Nat west fraud .... any doubt, don't reply to text (seems a silly thing for Nat west to suggest anyway with so many scams around) - go to branch or get official Nat west number from statement/website and call them.
I thought this was a scam, just tried to buy an item on the web for £899. It declined on the web site saying that I input the wrong details (I had not) I tryed again and it did the same. I then got a TEXT from RBS saying that they were texting from number 07860020323 and that number gave me some spending details that were correct and to text back Y or N. Instead I called RBS who said that the Fraud Dept had blocked my card and put me through to them. Because it was a large payment on the web it was the bank that blocked it the first time, the second time it declined was actually because the card was now blocked. The Fruad guy confirmed what I was doing and unblocked the card. I went back to the web site and the payment now went through. Natwest own RBS. I wouldn't text this number in case some scammers use this system somehow, instead my advice is to call the bank. For the people saying that they haven't paid for anything recently, your cards details have probably just been used by someone else and the banks blocked your card to protect you... so call them, this number is legit.
Thanks to tellows I was nearly caught out by this scam. Brilliant free service.
just got 2 text messages after trying to use my card to pay for a transaction with a store declined for no reason. the 1st text said it was RBS and to expect a second text from this number asking to verify transactions just as others on here have said. Deleted it.
Its'part of their anti fraud initiative, used before without an issue.
Recieved a text from "RBS" saying payments needed 4o be verified followed up with a text from this number. Again like previous comments asking to replyY or N if I recognise them. Coincidentally one payment to subway was correct but a 4.99 subway transaction and 99p itunes is pretty generic. Along with that, a large payment from an address in mumbai was there. Called the real rbs from their number online and fhey verified it was not them as RBS NEVER send text messages like this about accounts. The payment listed in the text was verified as fake ax was not on their system and told not to reply as this number is a SCAM. Likely a premium rate number that charged you to reply to and/or fishing for more of your account information. Do not get caught by this and also consider the possibility of fraudsters posting on places like this saying to trust their dodgey numbers!;)
I got 1 text from Natwest, then another from this number so I called Natwest directly from my mobile on a number I always use to contact them and they confirmed all texts were from them. Completely trustworthy. However, they told me there IS a scam going on through texting and to always call them direct if unsure.
Genuine number RBS anti-fraud
Getting sick of this number texting me say I have spent £0.65 GBP in Cyprus £50.00 GBP in UK and £17.03 GBP in uk . but I haven't as I never been to Cyprus before so can u please stop texting me.
Got texts off this number asking to confirm transactions, some of which I did not recognise. Phone then rang. Asked how to contact them and they suggested I called number on back of card. Did so and indeed had fraudulent activity. Card cancelled, New one on the way, police now aware.
I had a text message from NATWEST to ask me to verify Y or N on a few transactions on my account, One was genuine, 2 weren't. I then had a call from this number asking me to confirm a few details, full name, address etc. I asked them for another number I could call them back on and was told to use the one on the back of my debit card. I called this number from another line (I've heard of instances where the fraudsters are still on the other end of the line whilst you are dialling the new number) Natwest confirmed there had been 2 failed transactions using my card, it has now been cancelled and a replacement is being sent.
looks like genuine fraud protection since it knows 3 correct charges i made. happened when i failed to top up my credit because "my card details are wrong" (they're not).
I had the same text from the number mentioned, preceeded by a text from 'Natwest' saying there was potentially fraudulent activity on my account - I ignored it, and then my phone rang and a recorded message claiming to be NatWest told me to call the number calling me (08453560020)...I decided to ignore this too. In the end I just replied 'Y' to the original text as the country in which the payments would've been received (NOTE: not necessarily where you made the payment) via recent transactions (Spain (holiday deposit), Sweden (business flight) and U.K. (a lunch)) were correct - I then had a reply from NatWest saying my card would be available to use in 15 minutes. I know these days we should be wary - but this seems a genuine fraud protection system to me. There are always doubts via text though - hence the 2 score
I think this is genuinely an RBS Fraud Office number. It texted me asking me to verify a debit card payment. I did not trust it and rang RBS separately on a trusted number. There had indeed been an attempted cash withdrawal made fraudently with my card.
just got a text from this number. quoting transactions in Belgium and another two in UK asking me to reply Y or N to verify if I made these. Most definitely a scam as I have just checked my account and these transactions are completely fabricated. Avoid this number at all costs!
Dodgy message received - reply Y if you have made these transactions, reply N if not. I am just going to ignore it as it looks like a scam.
Keep getting texts from this number, first one from RSB telling me a they need to verify payment on my debit card. Next one asking me if l have used my card in two countries could l reply Y or N. I do not have a DEBIT CARD.
Signal summary for +44 786 002 032 3
+44 786 002 032 3 belongs to the 786 prefix and is classified as unclassified calls. This page combines no approved reports and 22 public comments to explain the risk level.
