Is That Really Your Bank Calling?
Most of us have received a phone call or text message from someone claiming to be from our bank — but in reality, it was a scammer pretending to be someone we trust. Impersonation scams are alarmingly common, and in the past year alone, nearly £100 million has been stolen through these kinds of frauds.
What Is an Impersonation Scam?
Impersonation scams happen when fraudsters pose as trusted organisations like your bank, HMRC, the police, BT, or other well-known companies. They may reach out by phone, text message, or email, trying to trick you into transferring money to an account they control.
Even if the call or message appears to come from a familiar number, don’t assume it’s genuine. Scammers can easily “spoof” official phone numbers, making it look like you’re being contacted by someone legitimate. It’s surprisingly simple for them to fake caller IDs — which is why it’s so important to stay cautious and never rely solely on the number showing on your screen.
What Is a ‘Safe Account’ Scam?
If someone tells you to move your money to a “safe account,” it’s almost certainly a scam. No genuine bank or trusted organisation will ever ask you to transfer your money elsewhere to protect it.
Scammers often use this trick by claiming your account has been compromised. They try to create panic and urgency, pressuring you to quickly move your funds before they’re “stolen.” Even if the caller knows personal details about your account, don’t be fooled — this is part of the scam.
The safest thing to do? Hang up immediately and contact your bank directly using the number on the back of your card.
How can I avoid impersonation scams?
1.Never trust caller ID alone
Just because a call or text appears to come from your bank or another trusted organisation doesn’t mean it’s genuine — scammers can “spoof” official numbers.
2.Don’t share personal or financial info unexpectedly
If someone contacts you out of the blue asking for PINs, passwords, or to move money — hang up. Legitimate organisations will never ask you to do this.
3.Always call back using a trusted number
If you’re unsure, end the call and phone the organisation back using the number on their official website or the back of your bank card — never the one they give you.
4.Take your time — don’t be rushed
Scammers create urgency to make you act quickly. A real bank or service provider will never pressure you into making instant decisions.