Fraud can take many forms. Here are the most common ones to watch out for.
Phishing messages
Fake emails, texts, or websites designed to look genuine. They try to trick you into sharing passwords, bank details, or security codes.
Invoice and payment redirection fraud
You receive a message asking you to change payment details for a supplier or service provider. The message looks legitimate but the new details belong to a fraudster. Always verify requests directly before making changes.
Impersonation scams
Criminals pretend to represent banks, payment providers, government bodies, or legitimate businesses to get your personal information or payments.
Unauthorised payment requests
Payment requests from organisations you don't recognise, or mandates you didn't approve.
Account takeover fraud
Someone gains access to your online accounts and uses them to make payments or change instructions without your permission.
Investment scams
Offers promising high returns with little or no risk. These scams create urgency to pressure you into quick decisions. They are almost always fraudulent.
Advance fee scams
Requests for upfront payments to release loans, prizes, inheritances, or business opportunities that don't exist.
Romance scams
Fraudsters build relationships online and then request money, claiming they need help with emergencies, travel, or business opportunities.
Marketplace and purchase scams
Goods or services are advertised but never delivered after payment is made.
Charity scams
Fake fundraising appeals, often timed around emergencies or public events.