Scam messages

Received a message out of the blue? Find out how to check if it’s a fraudster trying to get your personal or banking details. 

 

How does the scam work?

You might get an unexpected message with a link asking for your personal or banking information. The link could be to log in somewhere or to make a small payment.

Often, the messages will make you feel rushed – this could be with a threat or an offer that’s about to run out. The fraudsters want you to react without taking the time to stop and think. Remember – you do have time to check.

Stay ahead of the game

Who’s the message from?

Fraudsters can send messages that look like they’re from real companies. They can copy their logo, name and style.

  1. Check the full email. Hover your mouse over the sender’s address or, on a mobile device, select it. If the sender’s name doesn’t match, it’s a scam.
  2. Call the company. Fraudsters might use a random number or one that looks real. Call the company on a number you trust to make sure the message is from them. Never call using a number from a suspicious message.

What’s in the message?

Spelling and grammar errors aren’t always a good way to check for scams – the fraudsters can write without making mistakes.

Instead, look out for:

  • A message asking you to follow a link
  • Texts or emails asking for a payment
  • A message that doesn’t greet you by name.

If you spot these warning signs, don’t reply. You can report the message and delete it.

Spotting fake Bank of Scotland emails

We always include your name and part of your postcode when we email you. If there are links in our message:

  • They might go to more information.
  • They might go to the app where you can find the information.

Our links will never send you to a page that asks you to log in or give your personal or banking details.

We also won’t ever:

  • Ask for your personal or banking details
  • Tell you to move money to another account
  • Ask you to make a test payment online.

If you’re still not sure, you can forward the email to security@bankofscotland.co.uk and then delete it. Or message us from the app or Internet Banking to check.

Spot the warning signs in these messages

 
An example of a fake royal mail email used by scammers

Fraudsters know that people are often expecting deliveries, so they hope you’ll be tricked into thinking this message is genuine. The warning signs are: 

  • There’s a link asking for banking details
  • It asks for a payment
  • It doesn’t greet you by name
  • Spelling and grammar errors
  • The email doesn’t end in @royalmail.com

If you’re still not sure, contact the company directly or log in to your account online.

 
An example of a fake HMRC email used by scammers

Official organisations like this often send you a letter with your name before taking any action against you. There are warning signs:

  • The message doesn’t use your name
  • A link which will ask for your personal details
  • There is a threat to make you act without thinking

Don’t follow the links in any emails like this. You can check your account through the official website instead.

 
An example of a fake royal mail SMS used by scammers

Receive a text out of the blue from a number you don’t know and you’re not expecting a delivery? The warning signs are already there.

  • There’s a link asking for your personal and banking details
  • The message asks for a payment
  • They haven’t greeted you by name

Never reply to texts like this. Forward the message to 7726 to report it and delete it.

 
An example of a fake Governmental email used by scammers

This message looks real because the fraudsters have used the name of an organisation in the text. However:

  • There’s a link asking for personal information
  • It doesn’t greet you by name

You can make sure it’s genuine with a website checker like Get Safe Online. If nothing comes up, it’s likely a scam.

Learn about the latest scams

Fraudsters are always looking for new ways to try to steal your details and money. Discover which scams are common right now.

Go to latest scams

Have you been targeted by fraudsters

Contact us right away if you think you’ve been scammed. We can then guide you on what to do next.

Contact us now

Stay scam safe

Discover how to spot and avoid scams, and how to report fraud.

Protect yourself from fraud

Stay scam safe

Discover how to spot and avoid scams, and how to report fraud.

Protect yourself from fraud