With HSBC it’s the same, with the added security of a TUN code that is generated with a physical token for bank transfers. That said canceling a direct debit o

With HSBC it’s the same, with the added security of a TUN code that is generated with a physical token for bank transfers. That said canceling a direct debit on your end even if it’s fraudulent isn’t something you should do as it can wreck your credit score in the UK since you’ll be in debt and depending on the account it can show up as a missed payment immediately even before it going to debt collector/judgement. If there is a fraudulent transaction you have to contact the bank and file a claim.