What is it?

You’re convinced to make a payment or give personal and financial details to someone claiming to be from a trusted organisation such as your bank, the police, a delivery or utility company, communication service provider, a government department such as HMRC or someone you trust such as a friend or family member.

These scams often begin with a phone call, text, message or email that appears to be from a trusted organisation or person. A criminal might say your bank account is at risk and ask you to move your money to a ‘safe account’. They might get in touch impersonating a police officer, saying your money needs to be analysed as part of a police investigation.

They may also get in touch via social media, sending you messages or by creating posts. When criminals impersonate a friend or family member, they often invent reasons to ask for money, such as being stranded overseas or urgently needing to pay a debt, rent or a bill.

If you get asked to send money urgently, always be suspicious, especially if you’ve been contacted unexpectedly.

Criminals use a tactic called social engineering to groom and manipulate you into transferring money or divulging your personal and financial details.

Criminals use many tactics to trick you including ‘spoofing’ which makes their call, text, DM or email appear genuine. These messages will often lead to a website that is made to look legitimate using another tactic called ‘cloning’. Cloned websites often look almost identical to the real website of a trusted organisation. Phone numbers and sender ID’s can also be cloned to make a scam message appear genuine.

In some cases, criminals try to dupe you by sending couriers to collect your cards, cash, PINs or valuable items in person.

Find out more on courier fraud here

How to spot impersonation Fraud

  1. You receive a call, text, email or DM with an urgent request for your personal or financial information, to make a payment or move money
  2. You receive a message from a friend or family member requesting financial assistance often with an urgent reason such as them being stranded overseas or requiring medical help
  3. You’re pressured to act immediately. The caller pressures you to rush causing a level of panic.  Texts or messages may include a ‘hook’ to grab your attention, for example the criminal might say your money is at risk and you need to act to save it, or suggest you will get a reward if you do what they ask
  4. You’re asked to transfer money to another account for ‘safe-keeping’
  5. You’re asked to purchase high value goods/vouchers to cover the cost of fines. They might also ask you pay a bill for tax or utilities or provide financial details to receive a rebate
  6. You’re asked for cash or a payment as part of a police investigation or told money in your account needs to be analysed as part of an ongoing investigation
  7. The sender’s email address is ever so slightly different to that of the genuine sender


How to sTAY SAFE FROM impersonation Fraud

  1. When faced with a request for personal or financial information, stop and think before clicking on any links or replying to text messages asking you to make a payment
  2. Never let someone gain remote access to your computer or phone that has called you out the blue. If it doesn’t feel right, you can hang up on them. Only criminals will persist in getting your information
  3. Avoid logging on to financial accounts using public WiFi
  4. Banks or police will never ask you to move your money to a ‘safe account’ because your ‘money is at risk’. If this happens, hang up, and call them back on a number you know to be correct. Scammers can change the caller ID to make the number seem trustworthy
  5. Only give your personal or financial information out to services you have consented to and are expecting to be contacted bY


Examples of impersonation fraud

Transfer money to a ‘safe’ account

Roy* received a call from someone claiming to be from his bank’s fraud team enquiring if several payments on his account were actually made by him. He didn’t recognise them and was advised it was nothing to worry about, that his account had been compromised, and he urgently needed to move money into a ‘safe’ account in order to protect it. Roy did as he was told and transferred the balance from his account, as well as the money in his savings into a ‘safe account’ which actually belonged to the criminal.

Problems with your internet connection

Leanne* was contacted by her internet service provider informing her the internet router she was using had been hacked. The caller asked for remote access to Leanne’s computer and said that she would receive £500 as compensation for the inconvenience. Leanne provided her bank details and was told to log onto her online banking to check the money had arrived. To her surprised £5,000 not £500 had been deposited and she was urgently asked to return the overpayment to a bank account provided by the caller. Unbeknown to Leanne, whilst the criminal had access to her account all of her money was transferred to another account.

Police impersonation

Damon* received a phone call from the police advising they were investigating some cases of fraud at his bank. He was told he would have to go to his bank branch and withdraw his funds to assist the police in their investigation. The caller even said an officer would meet him to collect the cash.

Damon was assured that there was nothing to worry about and he would receive the funds back once the analysis was complete. The caller gave him an excuse to use if he was questioned at his bank branch.

Once he had made the withdrawal he took the cash back to his house and soon after an officer arrived to collect it. Damon handed over his cash but would never hear from the caller or officer again.

Outstanding HMRC tax bill

Sally* was busy working when her phone started ringing. She hastily answered it noticing at a quick glance that the caller ID said HMRC. The automated call from Officer Mark Wilson from HMRC took her by surprise. She was urged to call the number provided immediately, with failure to do so resulting in legal consequences, including the threat of an arrest warrant. Sally was confused and shaken, the caller’s tone, although automated, sounded official and included details pertaining to their department, which led her to dismiss that this could be a scam. She hurriedly keyed in the phone number and was informed of an outstanding tax bill amounting to £4,675 that required urgent payment. The officer urged Sally to make the payment, reinforcing that she would receive a criminal record if she refused. Panic stricken, she read out her bank details to the criminal purporting to be Mark unaware that she was in fact being scammed.

Listen to a scam HMRC call below:

Friend in need scam

Ahmed* had finished work one day and was rushing to catch a train. As he left his office he received a message from his son saying he had a new phone and giving him his new number.

Minutes later Ahmed received another message from the same number informing him that he was struggling to access his banking app on the new phone and was worried because he had to pay an urgent bill.  Ahmed received a further message asking if he could pay the bill. Worried for his son and knowing he would pay him back when he could, Ahmed followed the instructions and transferred the money to the account. It was only after he had transferred the money and couldn’t get through to his son on the new number that he realised it was a scam.

*These case studies are based on insights from partners

If you believe you’ve fallen for a scam, contact your bank immediately on a number you know to be correct, such as the one listed on your statement, their website or on the back of your debit or credit card.

Report it to Action Fraud on 0300 123 2040 or via actionfraud.police.uk. If you are in Scotland, please report to Police Scotland directly by calling 101 or Advice Direct Scotland on 0808 164 6000.


Always remember

Your bank or the police will never ask you to transfer money to a safe account.

Only give your personal or financial information to services you have consented to and are expecting to be contacted by.

Contact your bank or an organisation directly using a known email or phone number.

Don’t give anyone remote access to your computer following a cold call or unsolicited message.

Don’t give anyone remote access to your computer following a cold call or unsolicited text.

You can forward suspicious emails to report@phishing.gov.uk and suspected scam texts to your mobile network provider by forwarding them to 7726. An easy way to remember 7726 is that they are the numbers on your telephone keypad that spell out the word ‘SPAM’. Phone numbers operating scam calls can be reported by texting ‘CALL’ to 7726 and following the prompts.

HMRC will never call threatening arrest. Any offers of tax refunds or requests for financial information should also be treated with caution. You can forward suspicious emails claiming to be from HMRC to phishing@hmrc.gov.uk and texts to 60599.


If you’re unsure whether it’s a scam, check their guidance on recognising scams, and for more detail on reporting methods visit gov.uk.

If you have visited a website you think is suspicious you can report it to the National Cyber Security Centre.

Only criminals will ask you to lie to your bank.

Scam warning: Criminals may purport to be from Take Five, using our official branding on websites, social media posts, literature, on the phone or by text. Take Five doesn’t provide endorsement or approval for any products/services and would never call or text anyone.