Spotted a scam text? A quick guide to fake parcel and bank messages
Scam texts are one of the most common ways criminals try to reach us. They often say a parcel could not be delivered, a payment has failed, or your bank has noticed something odd. They are written to make you hurry.
The signs
- The message arrives out of the blue, from a number or name you do not recognise.
- It asks you to click a link or to call a number in the message.
- It puts you under pressure, with words like act now, final notice or your account will be closed.
- It asks for card details, a password or a code. A real bank will never ask for your full PIN or password.
What to do
- Stop. Do not click the link, do not reply, and do not ring the number in the message.
- Check another way. If it might be real, contact the organisation using the number on your card, a recent bill, or their official website or app. Never use the details in the text.
- Report it. Forward the text to 7726, which is free. Your phone provider can look into it and may block the sender. On most phones, press and hold the message and choose Forward, send it to 7726, then reply with the sender's number when you are asked.
- Delete the message.
If you have already clicked or replied
Please do not feel embarrassed. This happens to careful people every day. If you typed in card or bank details, call your bank straight away on the number on your card. If you typed in a password, change it on the real website and anywhere else you used it, and switch on 2-step verification. Keep an eye on your statements. If you have lost money, report it to Report Fraud at reportfraud.police.uk or on 0300 123 2040 (England, Wales and Northern Ireland). In Scotland, call 101.
Remember: a real organisation will never mind you checking. Taking one minute to stop and think is always fine.
Written by Pyralink, Gateshead. Free to share. Last checked 31 October 2026.