Common fraud and scams

Discover the common types of fraud to spot the signs and stop it happening to you.

Latest scams

Keep up to date with the latest alerts and reduce your risk of becoming a victim of fraud.

Last updated: 22 October 2025

Criminals are posing as us

Criminals are texting and calling our customers, pretending to be us. To make the call seem genuine, they may share information they already know about you.

Their aim is to cause panic by claiming there are fraudulent payments on your account. They then ask for your bank security details or one-time passcodes that we send to you by text.

We’ll never call and ask you to tell us your one-time passcodes. Giving this information allows criminals to take over your account and steal your money.

Bogus Co-operative Bank letters

Criminals are sending our customers fake letters, pretending to be us. These letters look genuine and claim to offer exclusive savings products brought to you in collaboration with another bank.

The letter asks you to send an email to them, quoting the reference number from the letter. They’ll then email you with a bogus application form designed to steal your information and your money.

Winter Fuel Payment scams

Scammers are using the government’s Winter Fuel Payment announcement to trick people into sharing personal and financial details through fake texts, emails, calls, or social media posts.

If you’re eligible for the payment, you’ll receive it automatically. You do not need to apply to claim it.

Spot the signs of scams

Investment scams

Criminals are experts at making their fake investment schemes look legitimate. They use a range of tricks to tempt you to part with your money.

Impersonation scams

Scammers call you unexpectedly pretending to be from your bank, the police or another trusted organisation.

Find out how these scams work and ways to protect yourself.

Remote access scams

Scammers are calling our customers pretending to be from The Co-operative Bank and convincing them into allowing remote access technology to be downloaded onto their device.

AI scams

Artificial Intelligence (AI) is making life more convenient, but it’s also giving scammers new ways to trick people and businesses into handing over money or sensitive information.

Digital wallet scams

A digital wallet allows you to pay quickly without using your physical card.

It’s fast, easy and secure, but scammers can still try to get into your wallet or trick you into giving them access.

Malicious apps

Scammers are sending prompts designed to convince you to download fake apps.

They often look official at first but can secretly enable features that give access to your personal information, including your banking app login details.

Get help

Report fraud or a scam

Lost or stolen card

Question a transaction

Latest scam alerts

Not found what you're looking for?

Contact our support team