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Q887: What is a courier scam?

Answer

Fraudsters are contacting members of the public claiming to be from their bank or in some cases, to be a police officer. They inform you that there has been a fraudulent payment made from your bank account and will advise you that your bank card needs replacing, or that you need to withdraw large sums of money to help resolve the problem. Either way they will then send a courier to collect the money/bank card. This is known as a 'courier scam' and is the most common type of telephone fraud in Britain.

They will attempt to gain your trust by asking you to ring the bank back who will be able to offer further assistance; this makes the call seem genuine when in actual fact the fraudster keeps the line open so the victim is unknowingly reconnected to them. They are likely to ask you to clarify your full bank details including your PIN.

If you do receive such a call end it immediately, do not phone the number back and wait a few minutes to make sure the line is clear before making any calls, unplug the phone if you are not sure or use a mobile phone. If you are concerned you have been the victim of a courier scam, we would advise that you inform your bank immediately and report it using the Action Fraud website.

Be aware that your bank will never attend your home, nor will they or the police ever ask you to verify your PIN. See Is This a Scam? for details on the different types of scams and the Related Information for guidance on how to protect yourself from scammers.

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Scammers will contact you and may pretend to be from your bank, HMRC or the police, they may do this over the phone, email, text message or social media apps. They warn you that there has been suspicious or criminal activity with your bank account, and then explain they have set up an account (a safe account) that you can transfer your money to. This will always be their account, and even if they say it’s in your name you will not be able to access it.

Protect yourself:

  • Always be suspicious of a cold caller claiming to be from your bank or a position of authority.
  • Someone who is genuinely from a trusted authority or an official from your bank will never ask you to confirm your details.
  • Make sure you get the callers details and then check the details independently.
  • Banks do not set up safe accounts for people to transfer money to.
  • Never transfer money to someone unless you are 100% sure.

If you think you have been the victim of a scam such as this, we recommend that you contact your bank as soon as possible. You should also report it to Action Fraud. See Q807 (Is this a scam?) for details on the different types of scams and the related information for guidance on how to protect yourself from scammers.

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With the increase in online banking and the introduction of contactless payments, criminals are finding new ways to scam people out of their money. There are a few common scams relating to banking.
 
Cash Machines
Cash machines are good targets for criminals as they can fit devices to cash machines that may trap the bank card or copy the card details and record the PIN. They may also try to distract you by making conversation, allowing an accomplice to then take your card and cash. Another tactic is to ask if something on the floor is yours, distracting you in allowing them to get your money and/ or card.
 
Ways to protect yourself against it are to make sure you are:
  • Be wary of anyone approaching when you are at a cash machine,
  • Always shield your PIN (Personal Identification Number), the best way is to stand close to the cash machine and cover the keypad with your purse/ wallet or spare hand,
  • If your card is ever retained by the machine do not leave the cash machine. Report it immediately by calling your card issuers number.
Cards and Contactless Payment
This method of payment has become increasingly popular and there are many myths around this use of payment.
 
One that is common is that people can come along with a card payment machine whilst the card is in your bag and take the information on your card to then commit fraud. This is not true because whilst a card reader that is contactless-enabled can read a card from 10cm away the information it receives is what is stored on the front of the card. Which is never enough to clone a card as it is incomplete for the information needed. As the card reader needs to be very close to the card this also makes it impossible for the details to be intercepted when in use, something that is also a common myth.
 
There are a few tips you can follow to reassure yourself that no one has used your card through contactless payment:
  • Always go through your bank statements and check which are contactless, to make sure you recognise them all,
  • Don’t let anyone take your card out of sight for payment under any circumstances. They could use this time to copy the information stored in the magnetic strip or the CCV code on the back of the card,
  • If your card or phone, with card payments, enabled on it, are ever stolen inform your bank as soon as possible.   
Online banking
With online banking becoming increasingly popular so are criminals trying to scam people out of their money. Some banks may give one-time passcodes sent to your device so you can make payments, always keep these and any personal details, passwords or memorable information safe. Never share these with anyone even from your bank. If someone asks for these details, they are most certainly a criminal. You can protect yourself by:
  • Making sure any passwords or memorable information are chosen with care, try to make them as random as possible,
  • Always keep any banking apps or software up to date by downloading updates when prompted,
  • Remember to log out of your online banking account or app every time, simply closing the app/ web page or turning off your device may not be enough,
  • If you use any banking apps/ websites in public take care to shield your PIN, passcode or any passwords used,
  • It is difficult to tell if public WI-FI spots are secure so never use them for banking,
  • Never share any security codes, passwords or memorable information that can be sued to access your account with anyone,
  • If your bank ever calls you get a reference code from them, then hang up and call them back using a number you know is safe. Such as one on their website or listed on your banking information. Only call back once the line has been cleared, if you are unsure about this call using a different phone than the one they contacted you on.  
See also Q807 (Is this a scam?) for further information. 

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Zoom is a video conferencing app. Zoom Bombing is a cyber-attack on your video call where an individual or a group of people enter the call without the permission of the host. These individuals then display offensive or explicit images in order to cause distress to the recipients.

Whilst the term Zoom Bombing originated in relation to the Zoom app, similar cyber attacks can impact other video conference facilities such as Microsoft Teams. 

Video conferencing helps many people work remotely and allows us to stay in touch with our families and friends. Unfortunately as worldwide use of video conferencing continues to increase, so has the volume of cyber-attacks.

The links in Related Information provide details of how to secure your Zoom meeting and prevent unwanted people joining.

If you have experienced Zoom Bombing, this can be reported to Zoom or other application and, depending on the nature of the content, your local police force.

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Phishing is a cyber crime where criminals contact people by email, telephone or text message, pretending to be a legitimate organisation. They try to get people to provide personal information such as bank details and passwords, and often include links that once clicked, download a virus to your computer and steal personal information. The information is then used to access accounts and can result in identity theft and financial loss.

Be aware of suspicious messages and emails and do not click on links or attachments in them. Never respond to unsolicited messages that ask for your personal or financial details.

If you do receive a suspicious email, this can be reported to National Cyber Security Centre via their Suspicious Email Reporting Service (SERS) Any suspected frauds committed by email can be send to Action Fraud. See Q680 and Q749 for further information regarding fraud and see the links in Related Information to report any suspicious or fraudulent emails.

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Phishing emails and texts claiming to be from HMRC have become more prevalent over the past few years. The links in Related Information provides examples of phishing emails from HMRC and genuine HMRC contact details. The links may help you decide if contact from HMRC is genuine.

Fraudsters ask for immediate action. Be wary of emails containing phrases like 'you only have 3 days to reply' or 'urgent action required'. Remember, phishing emails are common for all sorts of issues. As a rule of thumb, never click on links contained in suspicious emails or open attachments.

Please see Q1023 (Where can I report a suspicious / phishing / scam email?) for how to report a suspicious/ phishing/ scam email.

If you have already responded to a suspicious message, take the following steps:

  • if you have provided your bank details, contact your bank as soon as possible and let them know,
  • if you have lost money, tell your bank and report it as a crime to Action Fraud,
  • change your passwords, this goes for email and all accounts and create new, strong passwords,
  • if you have opened a link or followed instructions to install software, run a comprehensive virus scan,
  • if you have received the message on a work laptop or phone, contact your IT department and let them know.

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Question

Q887: What is a courier scam?

Answer

Fraudsters are contacting members of the public claiming to be from their bank or in some cases, to be a police officer. They inform you that there has been a fraudulent payment made from your bank account and will advise you that your bank card needs replacing, or that you need to withdraw large sums of money to help resolve the problem. Either way they will then send a courier to collect the money/bank card. This is known as a 'courier scam' and is the most common type of telephone fraud in Britain.

They will attempt to gain your trust by asking you to ring the bank back who will be able to offer further assistance; this makes the call seem genuine when in actual fact the fraudster keeps the line open so the victim is unknowingly reconnected to them. They are likely to ask you to clarify your full bank details including your PIN.

If you do receive such a call end it immediately, do not phone the number back and wait a few minutes to make sure the line is clear before making any calls, unplug the phone if you are not sure or use a mobile phone. If you are concerned you have been the victim of a courier scam, we would advise that you inform your bank immediately and report it using the Action Fraud website.

Be aware that your bank will never attend your home, nor will they or the police ever ask you to verify your PIN. See Is This a Scam? for details on the different types of scams and the Related Information for guidance on how to protect yourself from scammers.
 
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