Latest scams

One-time passcode scams

Fraudsters are targeting customers by trying to add other people’s debit or credit cards to their own digital wallets, like Apple Pay or Google Pay.

To do this, they trick people into sharing one-time passcodes (OTPs) sent by their bank.

How to stay safe:

• Never share a one-time passcode with anyone, not even us
• Be cautious of unexpected calls or messages asking for passcodes or verification codes
• If you’re unsure, hang up and call 159 or use the number on the back of your card
• Keep notifications on for your cards and digital wallets so you can spot any unusual activity quickly

Recruitment scams

Fraudsters pose as recruiters or employers offering fake jobs, often through social media or job sites. They promise easy money or high salaries for little experience.

Scams often start with a message about a job opportunity, then move to WhatsApp or email. You may be asked to complete simple tasks, like liking a video or following an account on social media, or pay an upfront fee for training or background checks.

Once you pay, the scammer disappears and the job never existed.

How to stay safe:

• Check the recruiter and job are genuine by contacting the company directly.
• Be suspicious of requests for upfront payments, especially if you’re given a sort code and account number to send the money.
• Never share personal or banking details with anyone you haven’t verified.
• If you’re unsure, don’t reply and report it to Action Fraud.

QR code scams

Scammers use fake QR codes to direct people to fraudulent websites or payment pages. They might place stickers over genuine codes in public places or send codes in emails, texts, or social posts.

When scanned, these codes can take you to fake websites that steal your details, trigger malware downloads or set up unauthorised payments or subscriptions.

How to stay safe:

• Only scan QR codes from trusted sources.
• Check the web address that opens and look for spelling errors or odd domains.
• For payments or offers, use a company’s official app or website instead of a QR code.
• Avoid scanning QR codes in unsolicited messages, especially those urging you to act fast.

Black Friday and seasonal scams

Fraudsters use busy shopping seasons to promote fake deals or set up bogus online stores.

You might see ads or emails offering huge discounts. Once you pay, the item never arrives or your card details are stolen.

How to stay safe:

• Buy only from retailers you know and trust.
• Be wary of deals that seem too good to be true.
• Check the site is secure. Look for “https://” and a padlock symbol.
• Use secure payment methods such as debit or credit cards, not bank transfers.
• Keep an eye on your accounts for unfamiliar transactions.

Purchase scams on social media

Scams on social media, especially marketplace sites, are on the rise. Fraudsters post fake ads for items that don’t exist, asking for payment upfront or a large deposit. Once paid, they disappear.

How to stay safe:

• Check the seller’s profile, is it new? Do they have reviews or real activity?
• Avoid paying a deposit or full amount upfront, especially for high-value items.
• Always see the item in person, where possible, before handing over money.
• Take your time. Don’t feel pressured into making a quick decision.

WhatsApp scams

You get a message from a fraudster who is claiming to be your friend, son, daughter or family member. They say their phone has been damaged and it’s a new number or they are messaging from a friend’s phone. It always an emergency and they need you to send them money urgently.

How to stay safe:

• Check it’s really them. Don’t take any action until you’ve contacted the person on their usual number or met up with them in person.
• Ask yourself is this request out of character and does it seem realistic?

Celebrity endorsed investments

Have you seen an advert of a celebrity endorsing an investment opportunity that guarantees high returns? It’s probably a scam. Fraudsters use social media to advertise fake investments, including crypto currency scams and are even using AI so it looks and sounds like the actual celebrity.

How to stay safe:

• Don’t rush into an investment decision. Take your time to research the company and be aware if you’re approached out of the blue.
• Check the company is listed on the FCA Financial Services Register.
• Remember there is no such thing as a ‘guaranteed return’ – be suspicious of adverts you find on social media making claims like this.
• Speak to an independent financial advisor before investing.

Worried you might have fallen for one of these scams?

If you think someone has targeted you, get in touch with us right away.