Practical UK guidance
Start with the situation, not the scam label.
You do not need to identify the exact type of fraud before taking a safe next step.Royal Mail redelivery text: how to check it safely
A message claiming to be from Royal Mail or another delivery company can look convincing. Check a parcel without using the link in the message.
“Your bank says your money is at risk”
A genuine bank will not need you to move money to a “safe” or “holding” account.
An urgent message from a new number
A familiar name is not proof of identity. Verify the person through a contact route you already trust.
Before buying from a site you do not know
A professional-looking shop can still be unreliable. Check the business and the payment route before you buy.
A free trial that becomes a recurring charge
A trial can be genuine and still become expensive when the renewal price or cancellation route is unclear. Check what you agreed and act quickly if charges continue.
A job offer that asks for money or documents
A convincing advert, interview or offer letter is not proof that a role is genuine. Verify the employer independently before paying or sharing identity and bank details.
An investment or crypto opportunity that promises easy returns
A polished platform, convincing adviser or rising account balance is not proof that an investment is genuine. Pause and check the firm, permissions and contact details independently before paying.
An email, text or personalised message that wants you to act
Phishing usually arrives by email, smishing by text, and spear-phishing is tailored to a particular person or organisation. The label matters less than stopping and verifying the request safely.
Romance fraud: early signs and calm protection
Warning signs are a reason to pause and verify — never a reason for shame or blame.
More guidance is being reviewed and moved into this format.