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You can’t predict the future, but you can protect the people you love.
Use our guides to discover how to spot and avoid scams.
If you think you've been scammed, contact us immediately.
If you click on a fake link in a scam email or text, fraudsters could steal your details.
If your details are stolen, fraudsters can use them to win your trust on a call.
Fraudsters create social media profiles to try to steal your money.
Discover how fraudsters pretend to be financial companies and advisers.
Fraudsters offer items for sale online that are fake or don’t exist.
Some dating profiles are fake, created by fraudsters to steal your money.
Fraudsters keep changing their scams, but they always want to steal your details and money.
Is it really only older people who get scammed? We spoke with the people of Glasgow to find out how much they know about fraud.
Title: What do the people of Scotland really think about fraud?
Question: Who’s the most at risk of fraud?
Responder: Older female with glasses and curly hair.
Responder: Male with beard and grey hooded top.
“Maybe like elderly folk.”
Responder: Young male with black sports top and glasses.
“I think older people.”
[It’s actually people aged 25-34 who are most likely to be scammed*. But anyone can get caught out.]
[2 out of 3 people who report fraud to us are 44 or younger*.]
[*Fraud reported to Lloyds Banking Group between January 2022 and July 2023.]
Question: Can you trust a seller online?
Responder: Young female with cream jumper and earphones.
“You need to check to see if they've got a feed, see how many friends they've got.”
[A seller may be recommended, have good reviews, pictures and followers. But it could all be fake.]
[A genuine seller won't rush you or try to get you to pay by bank transfer.]
Question: If you’re buying something online, would you pay by bank transfer?
“Yeah, very rarely I try not just to use bank transfer, I'll always try another alternative, you know, just so that it is safe.”
[Money paid to a fraudster by bank transfer will be moved out of the account straight away. So it's almost impossible to get back.]
[The safest way to pay is by credit or debit card.]
Question: Is it really your bank calling?
Responder: Pair of young males in sports clothing.
“Like, they'll just sound, completely unprofessional.”
Responder: Young male with tattoos.
“I would know straightaway. If it sounds like it’s one of those kind of telemarketing scams, I’d be able to tell.”
“First of all I’d try to go through a lot of security measures and ask them details about myself that I believe only the bank would know.”
[Fraudsters use your personal information to convince you they’re calling from your bank.]
“So I get, I'm with the Bank of Scotland and they always send me, like, you know, emails to say, like, we will never ask this information and we will not do this, and your bank will never call to tell you to move your money to another account. If, I don't believe it is the bank, I just hang up.”
[We will never call to tell you to move your money to another account.]
Question: Could you spot a scam email or text?
“Well, very often when it is a scam, the spelling will be wrong. And you can tell right off.”
[A scam email or text isn’t as easy to spot as you’d think. Fraudsters send messages pretending to be a company you know to get you to click on a link.]
Responder: Older male with glasses in beige shirt.
“Sometimes I don't think and I press something that I see that could be a scam.”
[Always be suspicious if you get a message out of the blue that wants you to click a link.]
Question: How many people in the UK are scammed each year?
“Roughly about three hundred thousand I’d guess.”
Responder: Pair of young females with jackets.
“I'd say like hundreds of thousands”
[Over a million people get scammed each year and this number keeps going up.]
[Let’s work together to stop the scammers.]
[Explore the Bank of Scotland Fraud Hub for more tips.]
Fraudsters can call to ask you for a passcode.
Always double-check an invoice to make sure it’s not fake.
Fraudsters can pretend to be a company or adviser to target your pension.
Never trust anyone who wants to use your account to move money.
Make sure you know how to protect your family and friends from fraud.
You can be scammed by someone you’re in a relationship with.
Did you know that fraudsters can target you at home?
Discover how to keep your mobile phone, laptop and other devices safe.
Your personal and banking details can help a fraudster to steal your identity.
If you create strong passwords, they can stop fraudsters from getting into your online accounts.
Your bank card can help you to avoid scams, but only if you use it properly.
Protect your family and friends from scams by talking to them about fraud.
Our up-to-date security systems and staff help to keep your money safe.
Our code of conduct is there to help you avoid scams and protect your money.
Learn more about our code
We’ll refund any money you may lose to fraud if you're careful and follow our advice.
Read our guarantee in full
It could protect you and your money.
Go to Take Five
To report a scam, Contact Police Scotland on 101.
CIFAS can prevent fraudsters from using your name to apply for products or services.
Contact us right away if you think you've been scammed. We can then guide you on what to do next.