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Fraud guide

Scam text messages

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Tips to avoid scam texts Open in new window
Common text message scams Open in new window
How to spot scam texts Open in new window
Fake text example Open in new window
Report scam texts Open in new window
My Security Profile Open in new window
Other types of scams Open in new window
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Scam watch: Fake bank text alerts are on the rise

Be aware of text messages, supposedly being sent by NatWest telling you a payment is on hold.  We’ll never ask you to call a number in a text message to confirm or cancel payments. Learn more about how to avoid this scam.

Top tips to stay safe

Scam texts often pretend to be from trusted organisations like banks, government departments or delivery companies. Use these tips to stay safe:​

  1. Check the sender: be cautious of unexpected texts. If something doesn't look right, don't respond. Report suspicious texts to 88355 and block the sender – standard network rates apply.

  2. Don't click links: avoid clicking links or downloading attachments in unexpected texts. They could lead to fake websites designed to steal your information.​

  3. Verify requests: if a text mentions a payment, transaction or account issue, check your banking app or contact the organisation using trusted contact details.​

  4. Keep your information private: never share passwords, One Time Passcodes, Get Cash codes or banking details by text. Genuine organisations won't ask for them.​

  5. Stay informed: keep up to date with the latest scams by visiting My Security Profile in the profile section of your mobile app.

Common text message scams

A screenshot of a text message claiming to be from the HMRC. The message informs the recipient they have a tax refund to claim through a link.

Scammers may pose as HMRC to persuade you to send them money or steal your details.

HMRC scam guide Open in new window
Screenshot of a scam text message that starts ‘Hi mum!’ pretending to be from a child, saying their phone was damaged, their SIM no longer works, and asking the parent to save a new phone number.

Fraudsters send you a message pretending to be your friend or family member.

Friends & family impersonator guide Open in new window
Scam text message impersonating a broadband provider, saying the latest bill couldn’t be processed and asking the recipient to click a link to update payment details to avoid losing service or fees.

Scammers are skilled in posing as trusted organisations like your phone or internet provider.

Spot service provider scams Open in new window
Scam message impersonating a delivery company, claiming a parcel could not be delivered and asking the recipient to click a link to reschedule delivery.

Scam delivery texts impersonate well-known delivery brands to get your personal information such as your name and address. They may also try to steal banking details such as card numbers or charge you money.

Scam message impersonating a company advertising an online job, claiming to offer you attractive pay and asking you to reply to proceed.

Job scams are misleading adverts that trick people into applying for fake jobs. These applications can lead to identity theft and financial loss.

Job scam guide Open in new window
Scam message pretending to be from your bank, telling you that there has been unusual activity, and asking you to urgently click a link to log in.

Scammers may try to trick you by pretending to be from a trusted institution like the your bank, a government department, or the police.

Impersonation scam guide Open in new window

How to spot scam text messages

Scammers often use similar tactics to make their messages look genuine. Look out for these warning signs:​

  • Urgent requests: Messages that pressure you to act quickly, often by claiming there's a problem with your account or a payment.​
  • Threats: Warnings of fines, legal action or account closure designed to scare you into responding.
  • Delivery scams: Companies asking you to click a link, pay a fee or provide personal information.​
  • Unexpected offers: Messages offering refunds, prizes or free gifts. If it seems too good to be true, it probably is.

If a text is unexpected, creates urgency, and asks you to take action, treat it as suspicious.​

Example of a fake text message

Fake text message example

This fake text message example shows how criminals use different tactics to convince people to share their personal information or banking details. These tactics are used in messaging apps, not just text messages. Learn about the three tactics below.

How to report scam texts

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