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Pension scams
A pension scam may seem like a great deal with a genuine company.
We explain how fraudsters create these scams so you can avoid them.
Warning signs of a pension scam
A guarantee of higher returns
Genuine companies never offer higher than normal interest rates or promise to increase your money.
Access to your pension before 55 years old
Fraudsters may tell you that they can release cash early from your pension.
An unusual, complicated or long-term investment
If a pension deal is difficult to understand, it can give a fraudster more influence over the decisions you make.
Higher than normal fees
A pension scam can involve several people or companies who all charge a fee.
The methods behind a pension scam
Further help and how to report a pension scam
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Companies House has a register of companies that includes contact details and the names of directors. Use these details to find out if there are any bad reviews online.
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Money & Pensions Service offers free independent, impartial information and advice.
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Contact Police Scotland immediately if your pension is stolen.
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You can report an unauthorised company or a scam on the FCA website.
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If you’re getting nuisance calls and messages, contact the ICO.
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Always contact your pension provider first if you suspect a scam and want to stop a pension transfer.
Learn about other scams and how to protect yourself
Investment scams
Fraudsters pretend to be genuine companies and advisers.
Scam emails and texts
Fraudsters try to steal your details through emails and texts.
Scam calls
Find out how fraudsters can use your details to win your trust.
Invoice scams
Fraudsters can send fake invoices to steal your money.
Protect your identity
Fraudsters want to steal your personal and banking details.
Social media scams
Did you know fraudsters set up fake profiles just to steal money?
