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Campaigns Safeguard us from scams

Sign to force action on scams

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Win! TSB will refund scam victims

In a big leap forward for our campaign, TSB has become the first bank to launch a Fraud Refund Guarantee – vowing to protect its 5.2 million customers from financial fraud.

The bank has promised to refund any customer that is an innocent victim of transactional fraud – whether they encounter unauthorised transactions on their accounts or are tricked into authorising payments to fraudsters.


TSB’s blanket policy is a huge step towards protecting banking customers from fraudsters – who stole £1.2 billion in 2018, according to one estimate.

But many other banks are leaving their customers unprotected. This isn’t good enough.

We’re demanding all banks now follow TSB’s example and introduce their own fraud refund guarantees.

Jenny Ross, Which? Money Editor, said:

“For years, people have lost life-changing sums of money to increasingly sophisticated scams, and then faced a gruelling battle to get their money back.

“We know that banks are far better placed to spot and prevent scams than their customers. Today, TSB has rightly recognised this and stepped-up to take responsibility for refunding its customers across all types of fraud.

“Yet other high street banks are leaving their customers unprotected. All banks must now follow TSB’s lead and ensure that their own customers are not left paying for the cost of this crime.”

Read the full story.

Call on the government to safeguard us from scams

Fraud is now at record levels, with more than five million scams costing Britons a mind-boggling £9bn each year. And while there are sensible steps we can all take to protect ourselves, an unfair burden has been placed on the public. We’re calling on the government, regulators and businesses to do more to safeguard us all from scams.


In 2016 we made a super-complaint to the Payment Systems Regulator (PSR). We asked it to:

– examine whether banks are taking enough responsibility when their customers are defrauded;
– investigate what improvements should be made to the processes, systems and practices firms use to prevent fraud; and
– recommend how financial providers should better protect their customers from fraud.

However, the regulator’s response suggests it has let banks off the hook. Don’t let the fraudsters get away with it – convince the government and the financial regulator to do more to confront scams head-on. Sign the petition now.

In 2016 we submitted a super-complaint to the financial regulator, demanding banks do more to protect customers who are tricked into sending money to fraudsters. The banks have since made promises but we want action.

We need you to share your scam experiences – this will highlight the magnitude of the problem and pressure banks to tackle it urgently.

Tell us your scams story

Find the most common reported scam in your area

Full data for Scotland and Northern Ireland isn’t yet available. To give you an indication of the most common types of fraud reported in Scotland and Northern Ireland, the graph below shows data collected between 2014-16.

Five tips to spot a scam

1. Contacted out of the blue? If you’re not convinced by a caller’s identity, hang up.
2. Too good to be true? Scams often promise high returns for little financial commitment.
3. Asked to share personal details? Never share your details with someone you don’t know.
4. Pressured to respond quickly? Scammers will try to rush your decision – don’t proceed unless you’re absolutely certain your money will be safe.
5. Spelling mistakes? Scammers can use bad grammar and spelling to ensure only the most vulnerable respond to their messages.

Read more tips on how to spot a scam. And if you’ve spied one, see how to report scams.