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class="NavigationTopLevelItems_navigationTopLevelItemButtonContent__ACT5e">Business</span></a></li></ul></div></nav></div><div class="HeaderVariant_mobilePrimaryCTAExperiment__gNqIQ"><span class="HeaderVariant_headerNavigationExtraWrapper__Nf5wL HeaderVariant_mobileVisible__dyVF_"><a data-testid="header-primary-cta" class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_ HeaderVariant_mobileVisible__dyVF_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external" aria-label="Open a Monzo account"><span aria-hidden="true"><span class="Button_text__S2FJ_"><span>Sign up</span></span></span></a></span></div></div></header><main id="mainContent" class="Main_main__qK_Jw"><section class=" Section_section__mRxGN Section_forceDarkMode__UnZnw Section_auto__2Ub8u Section_paddingnone__2ufem"><div class="Section_contentContainer__ciYat"><div class="HeroBanner_hero__8Phzz"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_orderRight__au5W_ Block_orderBottom__pqOc1 Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalSmall__i62HY Block_paddingVerticalSmall__5ZA7U Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="HeroBanner_heroMedia__1nKQ8"><picture><img src="https://images.ctfassets.net/ro61k101ee59/7glRu2fi9lrGm3ycYY8fyD/8cb27448d5790eb4d8475d8929438968/security-lock-password.svg?w=974&q=75" alt="A lock with password stars and a tick" width="487" loading="lazy"/></picture></div></div></div><div class="Block_block__Q3GQF Block_forceDarkMode__vY6vw Block_transparent__FJxI6 Block_textLeft__FXaVt Block_orderLeft__kf4S1 Block_orderTop__qlV9j Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE HeroBanner_heroBannerBlockContent__stdAX"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing10__Vw3Bl"><h1 class="Title_title__6QR87 Title_forceDarkMode__UjAB1 Title_primary__m7Tjj text-heading-1 Title_left___R_Ga Title_marginBottom__TiQqA HeroBanner_heroTitle__l9Owc" id="keep-your-money-safe-from-fraudsters">Keep your money safe from fraudsters</h1><div class="Markdown_Markdown__aEd_X Markdown_dark__2sqVQ" data-testid="markdown"><div class="Text_text__CSJ_O Text_lead___fdMb Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p>Learn about the latest scams we’re seeing, and how to protect yourself from fraud.</p></div><div class="Text_text__CSJ_O Text_lead___fdMb Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p>If you've been tricked by a fraudster into sending them money, chat to us in the app or call us on <a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="tel:08008021281" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">0800 802 1281</span></a>, or <a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="tel:+442038720620" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">+44 20 3872 0620</span></a> if you're abroad.</p></div></div></div><div class="HeroBanner_legalTextContainer__MDph9"></div></div></div></div></div></div></div></section><div><section class=" Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/JCHHKvMUnk6m868SqeToA/ba4fca0ba7120c5449dcb8938d98e8c1/111_3x.png?w=800&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/JCHHKvMUnk6m868SqeToA/ba4fca0ba7120c5449dcb8938d98e8c1/111_3x.png?w=800&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/JCHHKvMUnk6m868SqeToA/ba4fca0ba7120c5449dcb8938d98e8c1/111_3x.png?w=800&q=75" alt="" width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="check-that-a-call-from-monzo-is-really-us-in-the-app">Check that a call from Monzo is really us, in the app</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Head to ‘Privacy & security’ in Settings by tapping your profile in the top left of the Home screen.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>The ‘Monzo Call Status’ will show if we’re on the phone to you.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If it says we’re not talking to you, hang up and report it to us.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/blog/2023/09/06/making-it-clear-when-were-on-a-call-with-you" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Learn more</span></a></p></div></div></div></div></div></div></div></div></div></section></div><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="CardList_CardList__xh9wK CardList_autofit__KNjIe"><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/1j6mBWHJGRmAc5GwkbPNQo/651b327f8824689ea9eb65278b0aa85a/Bank.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Pretending to be Monzo</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Fraudsters can trick you into sending them money by pretending to be from your bank. They might tell you your money’s in danger and pressure you to send it to a ‘safe account.’</p></div><div class="Text_text__CSJ_O"><p>We’ll never call you out of the blue or ask you to move your money. Check it’s us and hang up if you’re not sure.</p></div><div class="Text_text__CSJ_O"><p><a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/blog/2019/12/23/how-well-contact-you/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Read more</span></a></p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/6pFw6BER9ytX12MAHM1Vq0/1658b16b62160f8bb0fb4d0d2f800068/HMRC.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Pretending to be HMRC</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Claiming to be from HMRC, scammers might threaten you with legal action if you don’t pay fast, or trick you into sharing sensitive info by offering you a refund or a 'goodwill payment’ you need to claim by clicking a link or filling in a form.</p></div><div class="Text_text__CSJ_O"><p>HMRC will only ever contact you about tax refunds by sending you a letter in the post. End the call and don’t click any links.</p></div><div class="Text_text__CSJ_O"><p><a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/blog/hmrc-scam/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Learn more</span></a></p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/5HEOec984Yn4IF9JUNFoZZ/f47527c8c4f7199d8e68430846ff1b07/Police.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Pretending to be the police or a company you trust</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Fraudsters pose as the police, your electricity company, your landlord or other organisations you trust. They might pressure you into paying them by threatening you with legal action or even arrest. They can spoof phone numbers and make emails look legitimate.</p></div><div class="Text_text__CSJ_O"><p>Trusted organisations will never ask you to move money or threaten you if you don’t. Hang up and report it.</p></div><div class="Text_text__CSJ_O"><p><a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/blog/police-impersonation-scam-phone-call" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Learn more</span></a></p></div></div></div></div></div></div></div></section><section class="Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="CardList_CardList__xh9wK CardList_autofit__KNjIe"><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/4YKNd37sEKxULGk1UDbXD6/97735ba134ea790e856f7eadeeb46e40/Icon_Box__3_.svg" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Online shopping scams</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>On fake websites or social media like Facebook Marketplace, fraudsters trick people into buying something online that never actually arrives.</p></div><div class="Text_text__CSJ_O"><p>Use trusted sites and be wary if the price seems too good to be true.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/1dZwatRBbLKNvncgwCrlh9/8774e8832d656f85fff60812dca12bad/Scams.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Investment scams</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Usually on social media like Snapchat, Instagram or TikTok, fraudsters will try to convince you to make an investment, promising really high returns.</p></div><div class="Text_text__CSJ_O"><p>But legitimate investments don’t happen on social media and will never guarantee profits. Check if a company is registered with The FCA before investing.</p></div><div class="Text_text__CSJ_O"><p><a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/blog/2019/07/18/investment-opportunity-scams" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Learn more</span></a></p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/W3m0JYF89tmsxZvsD7cgl/01367cee5f1d9afaea202cc006ff6173/Phishing.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Phishing for sensitive information</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Fraudsters send you a text or email that looks legitimate, and ask you to click on a link and fill in some sensitive information, which they then use to scam you.</p></div><div class="Text_text__CSJ_O"><p>Don’t share sensitive information like passwords unless you’ve checked it’s real.</p></div><div class="Text_text__CSJ_O"><p><a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/blog/behind-the-scenes-of-a-phishing-scam/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Learn more</span></a></p></div></div></div></div></div></div></div></section><div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><img src="https://images.ctfassets.net/ro61k101ee59/1EiSFZ9GOpU9hML0lqMyiZ/971f512da0c26e11d556054e2abc4daf/negative-warning-fraud.svg?w=800&q=75" alt="An exclamation mark in a circle next to a sad star" width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="protect-yourself-from-fraud">Protect yourself from fraud</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><ul class="List_List__QAbJI List_light__OI_4n List_margin__RxbID"><li class=""><strong>If you get an unexpected call, hang up</strong> and call them back on their official phone number.</li><li class=""><strong>Take your time</strong> – a legitimate organisation will never pressure you into making a payment. If you're not sure, speak to a friend or family member, or give us a call.</li><li class=""><strong>Pay by card, not bank transfer</strong> – bank transfers aren’t protected in the same way card payments are, so once you’ve sent money to a fraudster it’s almost impossible to get it back.</li><li class=""><strong>Buy from trusted merchants</strong> where you can check verified reviews.</li><li class=""><strong>Don’t trust anything that’s too good to be true.</strong> Like if something’s a lot cheaper than it should be, or an investment promises guaranteed returns.</li></ul><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Report fraud to <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://www.actionfraud.police.uk/reporting-fraud-and-cyber-crime" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Action Fraud</span></a></strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Learn more about how to protect yourself from fraud on <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://www.takefive-stopfraud.org.uk/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Take 5 To Stop Fraud</span></a></strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Sign-up to get scam alerts to your email from <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://whichcouk.bsd.net/page/s/which-scam-alerts" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Which?</span></a></strong></p></div></div></div></div></div></div></div></div></div></section></div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingbottomnone__1i30t" data-testid="subtitle-section"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 paddingHorizontalAuto Block_paddingVerticalSmall__5ZA7U Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="Subtitle_content__YW5SS spacing_vSpacing10__Vw3Bl"><h2 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-2 Title_center__fqUI_ Title_marginBottom__TiQqA" id="we-work-hard-to-prevent-fraud-and-keep-your-money-safe-">We work hard to prevent fraud and keep your money safe </h2><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>With cutting-edge technology and teams of expert investigators, we’re committed to stopping criminals and helping protect our customers.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/security/"><span class="Button_text__S2FJ_">Find out more about how we protect you from fraud</span></a></p></div></div></div></div></div></div></section></main><div class="Footer_footerContainer__c1N4v Footer_forceDarkMode__Oimpe"><footer class="Footer_Footer__MDr8W Footer_forceDarkMode__Oimpe" role="menu"><div class="Footer_logo__tSFSn"><a role="menuitem" class="Footer_logoLink__gs4rX" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_location=footer&link_text=Monzo Bank&link_type=navigation&url=/&currentUrl=/fraud" href="/"><img class="Footer_logoImage__XvGRA" 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Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.</small></p></div></div></div></div></div></div><script id="__NEXT_DATA__" type="application/json" crossorigin="anonymous">{"props":{"pageProps":{"anonID":"anon_116771c3-6863-425b-963f-c37d2923a0b5","experimentsWithDefaults":[{"experimentID":"ca_homepage_navigation_cta_pairing","defaultVariant":"control"},{"experimentID":"header_navigation_reorder","defaultVariant":"control"}],"preview":false,"head":{"title":"Keep your money safe from fraudsters","locale":"en-GB","rootUrl":"https://monzo.com","slug":"/fraud","description":"","ogImage":"//images.ctfassets.net/ro61k101ee59/37iU5WO8ibftrcTA9imG5f/3aac9b1ac49f048637f938257df67db0/Open_Graph_monzo.com.png"},"pageTheme":"default","sections":[{"content":[],"data":{"target":{"fields":{"heroImage":{"fields":{"description":"A lock with password stars and a 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Hero"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-21T09:54:02.119Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"5bRvNoxBD3kwtXbmowzmu","locale":"en-GB","publishedVersion":4,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2022-11-21T09:54:02.119Z"}},"pageDescription":"Learn about the latest scams we’re seeing, and how to protect yourself from fraud.\n\nIf you've been tricked by a fraudster into sending them money, chat to us in the app or call us on \u003ca href =\"tel:08008021281\"\u003e0800 802 1281\u003c/a\u003e, or \u003ca href=\"tel:+442038720620\"\u003e+44 20 3872 0620\u003c/a\u003e if you're abroad.","pageTitle":"Keep your money safe from 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UI"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2023-10-26T10:12:25.020Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"JCHHKvMUnk6m868SqeToA","locale":"en-GB","publishedVersion":4,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2023-10-26T10:12:25.020Z"}},"sectionName":"Live Call Status ","textCopy":"Head to ‘Privacy \u0026 security’ in Settings by tapping your profile in the top left of the Home screen.\n\nThe ‘Monzo Call Status’ will show if we’re on the phone to you.\n\nIf it says we’re not talking to you, hang up and report it to us.\n\n[Learn more](https://monzo.com/blog/2023/09/06/making-it-clear-when-were-on-a-call-with-you)"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionTextImage","linkType":"ContentType","type":"Link"}},"createdAt":"2023-10-26T10:13:34.851Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"3OTeLMinjlxczXOFd1ZAY8","locale":"en-GB","publishedVersion":20,"revision":3,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2023-10-26T22:50:51.808Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"direction":"horizontal","icon1":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":698},"fileName":"Bank.png","url":"//images.ctfassets.net/ro61k101ee59/1j6mBWHJGRmAc5GwkbPNQo/651b327f8824689ea9eb65278b0aa85a/Bank.png"},"title":"Bank"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-21T15:10:21.538Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"1j6mBWHJGRmAc5GwkbPNQo","locale":"en-GB","publishedVersion":6,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2022-11-21T15:24:39.227Z"}},"icon2":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":973},"fileName":"HMRC.png","url":"//images.ctfassets.net/ro61k101ee59/6pFw6BER9ytX12MAHM1Vq0/1658b16b62160f8bb0fb4d0d2f800068/HMRC.png"},"title":"HMRC"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-21T15:10:21.532Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"6pFw6BER9ytX12MAHM1Vq0","locale":"en-GB","publishedVersion":6,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2022-11-21T15:24:58.386Z"}},"icon3":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":878},"fileName":"Police.png","url":"//images.ctfassets.net/ro61k101ee59/5HEOec984Yn4IF9JUNFoZZ/f47527c8c4f7199d8e68430846ff1b07/Police.png"},"title":"Police"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-21T15:10:21.524Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"5HEOec984Yn4IF9JUNFoZZ","locale":"en-GB","publishedVersion":6,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2022-11-21T15:25:12.690Z"}},"sectionNameInternal":"Impersonation fraud tryptich","text1":"Fraudsters can trick you into sending them money by pretending to be from your bank. They might tell you your money’s in danger and pressure you to send it to a ‘safe account.’\n\nWe’ll never call you out of the blue or ask you to move your money. Check it’s us and hang up if you’re not sure.\n\n[Read more](https://monzo.com/blog/2019/12/23/how-well-contact-you/)","text2":"Claiming to be from HMRC, scammers might threaten you with legal action if you don’t pay fast, or trick you into sharing sensitive info by offering you a refund or a 'goodwill payment’ you need to claim by clicking a link or filling in a form.\n\nHMRC will only ever contact you about tax refunds by sending you a letter in the post. End the call and don’t click any links. \n\n[Learn more](https://monzo.com/blog/hmrc-scam/)","text3":"Fraudsters pose as the police, your electricity company, your landlord or other organisations you trust. They might pressure you into paying them by threatening you with legal action or even arrest. They can spoof phone numbers and make emails look legitimate.\n\nTrusted organisations will never ask you to move money or threaten you if you don’t. Hang up and report it.\n\n[Learn more](https://monzo.com/blog/police-impersonation-scam-phone-call \"Impersonation scams\")","title1":"Pretending to be Monzo","title2":"Pretending to be HMRC","title3":"Pretending to be the police or a company you trust"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionTriptych","linkType":"ContentType","type":"Link"}},"createdAt":"2020-05-01T14:54:49.887Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"3wiFhT97PvGFY6y6vbpz1S","locale":"en-GB","publishedVersion":573,"revision":7,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2023-10-30T18:43:20.933Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"direction":"horizontal","icon1":{"fields":{"description":"","file":{"contentType":"image/svg+xml","details":{"image":{"height":48,"width":48},"size":1979},"fileName":"Icon Box (3).svg","url":"//images.ctfassets.net/ro61k101ee59/4YKNd37sEKxULGk1UDbXD6/97735ba134ea790e856f7eadeeb46e40/Icon_Box__3_.svg"},"title":"Icon-box-investments"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2023-09-05T16:22:25.167Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"4YKNd37sEKxULGk1UDbXD6","locale":"en-GB","publishedVersion":8,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2023-09-07T15:24:46.278Z"}},"icon2":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":668},"fileName":"Scams.png","url":"//images.ctfassets.net/ro61k101ee59/1dZwatRBbLKNvncgwCrlh9/8774e8832d656f85fff60812dca12bad/Scams.png"},"title":"Scams"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-21T15:10:21.516Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"1dZwatRBbLKNvncgwCrlh9","locale":"en-GB","publishedVersion":6,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2022-11-21T15:25:26.351Z"}},"icon3":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":811},"fileName":"Phishing.png","url":"//images.ctfassets.net/ro61k101ee59/W3m0JYF89tmsxZvsD7cgl/01367cee5f1d9afaea202cc006ff6173/Phishing.png"},"title":"Phishing"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-21T15:09:22.283Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"W3m0JYF89tmsxZvsD7cgl","locale":"en-GB","publishedVersion":6,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2022-11-21T15:25:49.502Z"}},"sectionNameInternal":"Impersonation fraud triptych 2","text1":"On fake websites or social media like Facebook Marketplace, fraudsters trick people into buying something online that never actually arrives.\n\nUse trusted sites and be wary if the price seems too good to be true.","text2":"Usually on social media like Snapchat, Instagram or TikTok, fraudsters will try to convince you to make an investment, promising really high returns.\n\nBut legitimate investments don’t happen on social media and will never guarantee profits. Check if a company is registered with The FCA before investing.\n\n[Learn more](https://monzo.com/blog/2019/07/18/investment-opportunity-scams \"Investment scams\")","text3":"Fraudsters send you a text or email that looks legitimate, and ask you to click on a link and fill in some sensitive information, which they then use to scam you.\n\nDon’t share sensitive information like passwords unless you’ve checked it’s real.\n\n[Learn more](https://monzo.com/blog/behind-the-scenes-of-a-phishing-scam/ \"Phishing scams\")","title1":"Online shopping scams","title2":"Investment scams","title3":"Phishing for sensitive information"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionTriptych","linkType":"ContentType","type":"Link"}},"createdAt":"2020-05-01T14:55:21.825Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"2efyZRUrn7NOmaW2B2yXcP","locale":"en-GB","publishedVersion":420,"revision":7,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2023-10-30T18:43:26.129Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"header":"Protect yourself from fraud","image":{"fields":{"description":"An exclamation mark in a circle next to a sad star","file":{"contentType":"image/svg+xml","details":{"image":{"height":400,"width":523},"size":12954},"fileName":"negative-warning-fraud.svg","url":"//images.ctfassets.net/ro61k101ee59/1EiSFZ9GOpU9hML0lqMyiZ/971f512da0c26e11d556054e2abc4daf/negative-warning-fraud.svg"},"title":"Negative warning fraud"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-15T12:21:49.490Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"1EiSFZ9GOpU9hML0lqMyiZ","locale":"en-GB","publishedVersion":12,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2022-11-17T11:24:45.141Z"}},"sectionName":"Protect yourself from fraud","textCopy":"- __If you get an unexpected call, hang up__ and call them back on their official phone number.\n- __Take your time__ – a legitimate organisation will never pressure you into making a payment. If you're not sure, speak to a friend or family member, or give us a call.\n- __Pay by card, not bank transfer__ – bank transfers aren’t protected in the same way card payments are, so once you’ve sent money to a fraudster it’s almost impossible to get it back.\n- __Buy from trusted merchants__ where you can check verified reviews.\n- __Don’t trust anything that’s too good to be true.__ Like if something’s a lot cheaper than it should be, or an investment promises guaranteed returns.\n\n__Report fraud to [Action Fraud](https://www.actionfraud.police.uk/reporting-fraud-and-cyber-crime)__\n\n__Learn more about how to protect yourself from fraud on [Take 5 To Stop Fraud](https://www.takefive-stopfraud.org.uk/)__ \n\n__Sign-up to get scam alerts to your email from [Which?](https://whichcouk.bsd.net/page/s/which-scam-alerts)__\n"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionTextImage","linkType":"ContentType","type":"Link"}},"createdAt":"2020-05-01T14:55:33.667Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"1zaddK12Kv4zx0KYiAHElm","locale":"en-GB","publishedVersion":749,"revision":5,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2023-10-30T18:43:31.691Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"subtitleDescription":"With cutting-edge technology and teams of expert investigators, we’re committed to stopping criminals and helping protect our customers. \n\n[Find out more about how we protect you from fraud](https://monzo.com/security/)\n","subtitleText":"We work hard to prevent fraud and keep your money safe "},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionSubtitle","linkType":"ContentType","type":"Link"}},"createdAt":"2023-10-30T18:43:37.456Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"3rl0sJXm1hzAdljyuierGr","locale":"en-GB","publishedVersion":11,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2023-10-30T18:43:37.456Z"}}},"nodeType":"embedded-entry-block"}],"componentProps":{},"designSystemEnabled":true,"featureGates":{"ca_daxenabled":true,"1p_saving_challenge_countdown":false,"ca_flex_build_navigation_link":true,"lunio_enabled":true,"isa_allowance_countdown":true},"experiments":[{"experimentID":"ca_homepage_navigation_cta_pairing","variant":"Control"},{"experimentID":"header_navigation_reorder","variant":"Test"},{"experimentID":"ca_homepage_navigation_cta_pairing","variant":"Control"},{"experimentID":"header_navigation_reorder","variant":"Test"}],"hasExperiments":true,"dynamicText":{"nav":"Sign up","cta":"Open an account for free"},"cookies":{}},"__N_SSP":true},"page":"/[...dynamic]","query":{"dynamic":["fraud"]},"buildId":"80p3y4E5Am0V6QesAKPf5","assetPrefix":"https://static-assets.monzo.com/monzo-com/730440c59d7d59f188eb96c5ef53e44cd6585952","runtimeConfig":{"apiFqdn":"internal-api.monzo.com","publicApiFqdn":"api.monzo.com","publicClientId":"oauth2client_0000ATbSRBo8E4Es6Ss3k6","publicClientSecret":"mnzpub.eQUHgQ9y9tbER/x0k0LRW9KOoVkOnb4dMwCxLQxC8AoLPwGdDXlQ7EODWlgmgq+r9j+vCurgzX1Ya0m7uVCTMQ==","test_apiFqdn":"api.s101.nonprod-ffs.io","sentryProject":"monzo-com-web","sentryOrg":"monzo","sentryDSN":"https://06894583d63658ed47fe4e9943f497fa@o23827.ingest.sentry.io/4505743602483200","environment":"production","anonIDCookieDomain":".monzo.com"},"isFallback":false,"isExperimentalCompile":false,"gssp":true,"appGip":true,"scriptLoader":[]}</script></body><script src="https://internal-api.monzo.com/static/util.js"></script></html></body></html>