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: 19 May 2026

Criminals are posing as us

Criminals are messaging and calling our customers pretending to be us, or other trusted organisations such as Report Fraud or National Crime Agency (NCA).

We’ve seen an increase in these types of scams involving WhatsApp, which is a channel that we will never use to contact you on.

We’ll also never ask you for your PIN, password or One Time Passcode (OTP) and we’ll never ask for remote access to your laptop, phone or tablet.

Celebrity endorsed social media scams

We’re seeing an increase in social media scams where criminals advertise fake products, impersonate trusted sellers, or promote “celebrity-endorsed” investment opportunities that are not genuine. Common warning signs include prices that seem unusually low, promises of guaranteed returns, pressure to act quickly, and accounts with limited history or reviews.

To stay safe, only buy from trusted retailers and use secure payment methods, be cautious of investment adverts featuring celebrities, and always check reviews and company details before making a payment or sharing personal information. Always check that any investment firm is authorised by the Financial Conduct Authority (FCA) before making an investment with them.

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.

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