How to spot a fake bank alert

Fake alerts often imitate the tone of real fraud notices. They are designed to make you react quickly before you have time to stop and check the message.

Example

“Suspicious transaction detected. Secure your account here.”

5 red flags

1. A direct link in the message
   Fake alerts may try to send you straight to a website from the text or email instead of asking you to use your normal banking app.
2. Urgent pressure to act immediately
   Wording like “act now”, “account at risk”, or “verify now” can be used to create panic and encourage a quick response.
3. It asks for codes or security details
   Be cautious if a message asks for one-time passcodes, login details, card details, or memorable information.
4. A support number that may not be genuine
   Some fake alerts include a phone number and ask you to call it right away. Scammers may use this to keep control of the conversation.
5. It keeps you focused on the message instead of verifying independently
   A suspicious alert may try to keep your attention on the message itself rather than letting you check through your banking app or another trusted source.

What to do now

Do not use the link, number, or instructions in the alert itself.

Open your bank's official app or type the website address in your browser yourself. If you want to call your bank, use the number on the back of your card, a recent statement, or the bank's official website.

If you already clicked a link or shared information, contact your bank as soon as possible using a trusted route and review your recent account activity.

Official UK reporting links

FraudSentry is independent and is not affiliated with or endorsed by these organisations.

• Report suspicious text messages by forwarding them to 7726
• Report fraud or phishing to Action Fraud
• Report suspicious emails and websites on GOV.UK

Related guides

• Bank text scam checks
• Safe account scam