What this stage covers

If you have just received something suspicious — a text from "your bank", an unexpected email about a delivery, a Telegram DM about an investment opportunity, a too-good-to-be-true job offer — this is the stage you are at. The goal here is simple: identify whether what you have received is a scam, and avoid it before it costs you anything.

The tools and guides below are organised by the most common ways scams reach UK consumers in 2026.

The tools — paste a message, get an answer

Brand-impersonation guides — by who is being impersonated

Scams almost always impersonate someone you trust. These guides cover the most-impersonated UK brands with specific red flags, real example messages, and verification rules:

Banks & financial services

Government & public services

Marketplace & professional networks

Job, employment & business

Delivery couriers

Big-tech & consumer brands

Channel-specific (text, WhatsApp, voice, QR)

Investment, crypto & income

Dating apps & romance

How to verify — three rules that work for any scam

  1. Never call a number from a suspicious message. Call the organisation back on a number you already know (the back of your bank card, the official website typed into your browser directly, or in our Recover contacts directory).
  2. Never click a link from a text claiming to be from a bank, courier, HMRC, the DWP, or any major brand. Real organisations communicate through their official app, posted letter, or known-domain website. Type the domain into your browser yourself.
  3. Never read an OTP or security code to anyone on a phone call. The code's purpose is to prove YOU are authorising something. Sharing it with a caller authorises THEIR transaction.

If you have already been caught

Move to the next stage of the journey: Recover →

Use the Scam Message Scanner →