Fraud
Fraud is unauthorised activity.
It happens when someone uses your information, cards or accounts without your permission. You’re not involved in the transaction, and you didn’t approve it — the fraudster acted independently.
Card fraud
Your card or card details are used without your permission.
Identity fraud
Your personal information is used to open accounts, apply for credit or make purchases.
Digital wallet fraud
Payments are made through apps like Apple Pay or Google Pay without your permission.
SIM swap fraud
A fraudster takes over your mobile number to access security codes and logins.
Scam
A scam, also called ‘authorised fraud’ tricks you into giving away money or personal information.
Scammers use pressure, trust and urgency to get you to approve their actions.
Email and text scams
Messages that try to make you click a link or share personal information.
Purchase scams
Fake sellers or ads that take your money but don’t send the item.
Impersonation scams
Someone pretending to be your bank, a company or an official organisation.
Transfer scams
You’re persuaded to move money to a fraudster’s account.
Telephone scams
Calls from someone pretending to be a trusted organisation or authority.
Romance scams
A scammer builds a relationship to gain your trust and ask for money.
Investment scams
Pressure to invest in a fake or high-risk scheme that won’t return your money.
Get scam savvy
Spot the scammers
Learn about the most common scams in the UK.
How we're protecting you
How to protect yourself
Contact the fraud team
Report suspected fraud and learn how to get your money back.