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Safer accounts

Pause and check a possible online scam

A scam is an attempt to trick you into giving money, information or access. It can arrive through calls, messages, adverts or fake warnings. You do not need to prove something is fraudulent before you pause and verify it independently.

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Before you start

  • Keep your bank’s genuine contact number somewhere accessible.
  • Use a second trusted route to check unexpected requests.

Step 1 of 5: Stop the immediate action

Do not send money, share a code or install software while under pressure. Hang up an unexpected call. Close a warning page; do not call a number printed inside a pop-up.

Step 2 of 5: Name what you are being asked to do

Look for requests to pay a surprise fee, move money, reveal a password or allow remote access. Urgency and claims of authority deserve extra checking, even when the message looks polished.

Step 3 of 5: Check through a separate route

Open the organisation’s known app or type its official website address yourself. Contact it using an independently verified number. If a relative requests money, call their existing number.

Step 4 of 5: Protect anything already shared

If you sent money or card details, contact your bank immediately through its official route. If you shared a password, change it through the genuine service and check account access.

Step 5 of 5: Report and keep useful details

Use the NCSC reporting guidance for suspicious messages or websites. Keep relevant screenshots and transaction details for your bank or reporting service without continuing the conversation.

Try it for yourself

Your small practice task.

Write ‘pause, check separately, then decide’ beside your banking contact details.

Completing the guide records your progress here; it does not check your device settings.

A common question.

Does good spelling prove a message is genuine?

No. Scams can use accurate spelling, real logos and personal details. Independent confirmation of the request matters more than its appearance.

Official help, if you need it.

These links provide the product’s own instructions or relevant public guidance. Settings can differ by model and software version.