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How-to · Step-by-step

How to report fraud or a scam in the UK

In short. Tell your bank immediately by calling 159 (a trusted shortcut to your bank's fraud team), then report to Action Fraud at actionfraud.police.uk or 0300 123 2040. In Scotland call Police Scotland on 101.

Acting fast can stop further losses and improves the chance of recovery under the new mandatory APP-fraud reimbursement scheme (since 7 October 2024). Reporting also helps build the national picture of fraud.

Last reviewed:

·Estimated time: 30 min·Cost: Free

What you'll need

  • Account details and a clear timeline of the fraud
  • Copies of any suspicious messages, emails, websites or call records

The steps

  1. 01

    Stop further payments immediately

    Block cards through your banking app. Call 159 to be transferred safely to your bank's fraud team — this is a free, trusted service supported by major UK banks.

    Official link →

  2. 02

    Report to Action Fraud (or Police Scotland)

    Use actionfraud.police.uk or call 0300 123 2040 in England, Wales and Northern Ireland. In Scotland, report to Police Scotland on 101.

    Official link →

  3. 03

    Ask your bank about APP-fraud reimbursement

    Since 7 October 2024 most authorised push payment (APP) scam victims must be reimbursed by their sending bank within 5 business days, subject to a £85,000 cap and excluded categories.

    Official link →

  4. 04

    Register with CIFAS protective registration if identity fraud

    If your ID was compromised, sign up for CIFAS Protective Registration (currently a 2-year fee). It flags applications in your name for extra checks.

    Official link →

  5. 05

    Report to the FCA if the firm seemed regulated

    If you were dealt with by a firm claiming to be authorised, check the FCA Register and report any suspected unauthorised activity using the FCA's Scam Smart resources.

    Official link →

Common pitfalls

  • Don't engage further with the fraudster, even to confront them
  • Don't share new card or banking details until your bank has confirmed your account is secure
  • Recovery agencies that demand up-front fees are themselves usually scams

FAQ

Will I get my money back?
Under the PSR's mandatory APP-fraud reimbursement rules (from 7 Oct 2024) most authorised push payment scam victims are reimbursed within 5 business days, subject to a £85,000 cap, with exclusions for gross negligence.
How long does Action Fraud take?
You'll get a confirmation reference immediately. Cases are reviewed by the National Fraud Intelligence Bureau and only some are passed to a local police force for investigation.
What's the difference between 159 and Action Fraud?
159 connects you to your bank's fraud team — for stopping payments and securing your account. Action Fraud is the national reporting centre for the police record.
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