Invoice scams
When account details on an invoice are changed, or emails are intercepted, so the money is wrongly paid into the scammer’s account.
How it could happen to you
- You receive an email or an invoice to pay a company or person you’re already dealing with, such as a solicitor or trader. The email has been intercepted and account details changed by scammers, who may pressure you to pay quickly. It may even come through on the same email thread as other genuine messages
How to protect yourself
- Always phone the person or company on a trusted number to confirm any account details you’ve received
- When paying someone, make sure the name on the account matches the company or person you've been dealing with. If it doesn't, call them on a trusted number
What does it look like?
We've written a story that shows what an invoice scam might look like. It describes common tactics we know scammers use, based on insights from our fraud and scams team.
Types of scams to watch out for
These are among the most common tricks currently used by scammers but they constantly come up with new ways to contact you, so be vigilant.
Impersonation scams
When someone pretends to be the police, a bank, a friend or business, to convince you to send them money.
Investment scams
When you’re invited to invest in things that are worthless, or don’t exist.
Purchase scams
When fake or non-existent items are advertised for sale.
Advance fee scams
When fake companies ask for an upfront fee and then don’t provide the service you’ve paid for.
Invoice scams
When account details on an invoice are changed, or emails are intercepted, so the money is wrongly paid into the scammer’s account.
Romance scams
When someone pretends to be interested in a romantic relationship with you. They gain your trust and then ask for money.
Pension scams
A scammer says they can make you money, and convinces you take a lump sum out of your pension – then steals it.
Doorstep scams
A rogue trader knocks on your door and pretends your house needs work – then overcharges you for it and often doesn't finish the job.
Bereavement scams
A scammer contacts you after someone has died, and says you owe money to pay off a debt or access a payout.
Phishing, smishing, and vishing
You receive an email, text message, or call claiming to be from a well-known company or organisation such as a bank or the police.
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Think you’ve been a victim?
How to report fraud or a scam
Find out what to do if you’re worried about a card payment, how to report fraud and scams and what happens after you tell us, plus get tips on how to help protect yourself.
Take Five to stop fraud
National awareness campaign
Take Five is led by UK Finance and backed by the Government and other organisations. If you receive a phone call, text or email you think might be fake, it urges you to stop – take five – and challenge what you’re told.
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