Check if something might be a scam
A scam is a type of fraud in which someone steals your money or information.
You can be scammed online, in person, over the phone, or through the post.
Scams can be difficult to recognise, but there are things you can look out for.
You can use our online scams helper to get advice that’s specific to your situation.
Recognising a scam
It might be a scam if:
- it seems too good to be true – for example, a holiday that’s significantly cheaper than you’d expect it to be
- someone you don’t know contacts you unexpectedly
- you suspect you’re not dealing with a real company – for example, if there’s no postal address
- you’ve been asked to transfer money quickly
- you've been asked to pay in an unusual way – for example, by iTunes vouchers or through a transfer service like MoneyGram or Western Union
- you’ve been asked to give away personal information like passwords or PINs
- you haven't had written confirmation of what's been agreed
If you think you’ve paid too much for something
Paying more for something than you think it’s worth isn’t the same as being scammed. Usually, a scam will involve theft or fraud.
You have other rights if you think you’ve overpaid.
If you think you’ve spotted a scam
If you’ve given away money or information because of a scam, there are things you should do. Check what to do if you’ve been scammed.
If you haven’t been scammed but you’ve seen something you think is a scam, you should report it. Find out how to report a scam.
If you’re not sure if something is a scam, contact our consumer service. They'll give you advice about what might be a scam and the steps you should take if you've been scammed.
Protecting yourself online
There are things you can do to protect yourself from being scammed online.
Check you’re buying from a real company
It’s important to check you’re buying from a real company. You can search for a company's details on Gov.uk. This will tell you if they're a registered company or not.
If you’re buying something on a site you haven't used before, spend a few minutes checking it – start by finding its terms and conditions. The company’s address should have a street name, not just a post office box.
Check to see what people have said about the company. It’s worth looking for reviews on different websites – don’t rely on reviews the company has put on its own website.
Also, don’t rely on seeing a padlock in the address bar of your browser - this doesn’t guarantee you’re buying from a real company.
Don’t click on or download anything you don’t trust
Don’t click on or download anything you don’t trust - for example, if you get an email from a company with a strange email address. Doing this could infect your computer with a virus.
Make sure your antivirus software is up to date to give you more protection.
Be careful about giving personal information away
Some scammers try to get your personal information – for example, the name of your primary school or your National Insurance number. They can use this information to hack your accounts. If you come across sites that ask for this type of information without an obvious reason, check they’re legitimate.
Check if your details have been shared online
Sometimes your log-in details can be made publicly available when a website is hacked. This means that someone could use your details in a scam. Check whether your accounts have been put at risk on Have I Been Pwned.
Make your online accounts secure
Make sure you have a strong password for your email accounts that you don't use anywhere else. If you’re worried about remembering lots of different passwords, you can use a password manager.
Some websites let you add a second step when you log in to your account – this is known as ‘two-factor authentication’. This makes it harder for scammers to access your accounts.
Find out how to set up two-factor authentication across services like Gmail, Facebook, Twitter, LinkedIn, Outlook and iTunes on the website Turnon2fa.
Pay by debit or credit card
Pay by card to get extra protection if things go wrong. Read our advice on getting your money back after you’ve been scammed.
Know how your bank operates
Check your bank’s website to see how your bank will and won’t communicate with you. For example, find out what type of security questions they’ll ask if they phone you.
If you’re buying something online, logging into an online bank account or making contactless payments, you might be asked for more information. This is because Strong Customer Authentication (SCA) was recently introduced to give you more protection. You might be asked to:
- enter a passcode sent by text message
- take a call on your mobile or landline
- use a card reader device which generates a verification code
- use a smartphone app
- enter your pin instead of using contactless
You don’t normally need strong authentication for purchases under £30 with a contactless card. However if you’ve made multiple purchases over a short period of time, then you might be asked to enter your pin.
It’s important your contact details are up to date with your bank, credit card providers and any companies you use to buy things.
Find out about recent scams
You can sign up for email alerts on Action Fraud’s website to find out about recent scams in your area.