💳 Bank & Payment Scams UK — OTP, Impersonation & Transfer Fraud
Bank scams are the highest-value fraud in the UK — fake fraud-team calls, one-time passcode theft, safe-account lies and authorised push payment fraud. This hub brings together every CyberAware UK guide on protecting your money and recovering it if a scammer gets in.
📚 Guides in this hub
Each guide is human-verified against current UK fraud reports and reimbursement rules.
Bank OTP Scams
Fake "fraud team" calls that talk you into sharing one-time passcodes — the #1 bank scam technique.
Someone Called Pretending to Be My Bank
What to do when a caller claims to be your bank — and how to verify them safely.
I Gave My Bank Details to a Scammer
Immediate actions to protect your accounts, plus the UK rules that may get your money back.
Bank Transfer Scam Victim
APP fraud explained: how to report a transfer, what your bank must do, and where to escalate.
Paid a Scammer via PayPal Friends & Family
Why scammers demand Friends & Family — and how to pursue a refund under UK fraud rules.
Invoice Fraud & CEO Scams
Fake invoices and boss impersonations targeting UK businesses and households.
Gift Card Scams
The payment method scammers love most — every gift-card con and how to stop it.
Amazon Scam Calls UK
Fake Amazon security calls that end in remote access and emptied accounts.
🔍 Checking a message that claims to be from your bank?
Scam URL Checker
Check links in bank-style texts and emails.
Phone Number Check
Check the "bank" number before calling back.
Never share a one-time code with anyone who calls you. If in doubt, call your bank on 159 or the number on your card.
⚠️ Money already gone?
Call your bank's fraud line now — under UK rules you may be reimbursed for authorised push payment fraud (up to £85,000). Then report to Action Fraud on 0300 123 2040.
Full recovery steps here
Guides reviewed by the CyberAware UK editorial team · How we verify