Fake Bank Fraud Department Call Script
Callers posing as your bank's fraud team claim suspicious activity and pressure you to move money or share codes 'to protect your account'.
Last reviewed: 1 June 2026
Sanitized example messages
Illustrative, sanitized examples. Personal details are replaced with placeholders such as [phone number] and [fake link].
This is the fraud team at [bank]. We've blocked a suspicious [amount] payment. To secure your funds, move them to a safe account I'll set up.
To verify it's you, please read me the 6-digit code we just texted.
Don't visit a branch — the fraudster may have an inside contact. Stay on the line with me.
What the scammer wants
To impersonate your bank, harvest one-time codes, and direct you to move money to an account they control, using fear of fraud against you.
Red flags in the message
- Bank 'fraud team' asking you to move money to a safe account
- Requests to read out a one-time code
- Instruction to stay on the line and avoid your branch
- Caller ID that looks like your bank (spoofed)
A safe response
Hang up and call your bank using the number on your card (or 159 in the UK). Your bank will never ask you to move money to a 'safe account' or read out codes.
What not to send
- One-time codes
- Money to a 'safe account'
- Full card or login details
What to do if you already replied
- Call your bank immediately on the official number
- Change your online banking password and codes
- Report it and watch for recovery scams
Evidence to preserve
- Screenshot the full message or call details
- Note the sender number, email, or profile
- Save any links (without clicking) and payment details
- Record dates and times