Unfortunately, scams are becoming more common—and more convincing. Here are some of the most common types of scams you might come across, plus simple tips to help you protect yourself and your money.
1. Money Mule Scams
You might be asked to let someone “borrow” your bank account to move money, with the promise of a quick reward. But this is illegal—and could get you into serious trouble. If someone asks you to move money for them, say no and report it.
2. Impersonation Scams
Scammers may pretend to be from the police, HMRC, your bank, or even Thamesbank. They’ll say there’s a problem with your account and try to convince you to transfer money to a so-called “safe account.” Remember: no trusted organisation will ever ask you to do this.
3. Cost of Living Scams
With many people feeling the pinch, fraudsters are taking advantage. They might pretend to be from the government, your council, or an energy provider—offering rebates or refunds. Be cautious of texts, calls, or emails asking for your bank details.
4. Investment Scams
These often promise big, guaranteed returns—sometimes using fake celebrity endorsements to make them seem real. Be wary of unexpected offers for crypto, bonds, or other investments, especially if they pressure you to act quickly.
Top tips to stay safe
- Thamesbank—and any genuine organisation—will never ask you to move money to a “safe account.”
- We will never ask for your SMS code, PIN, password, or full card details.
- If someone contacts you claiming to be from Thamesbank and asks for personal info, hang up and call us directly.
- Never give anyone remote access to your phone, computer, or online banking.
- Be cautious of offers that sound too good to be true—because they probably are.
- Don’t feel rushed—fraudsters often pressure you to act fast.
- Avoid clicking on links in messages from unknown sources.
- Just because someone knows your name or other basic info doesn’t mean they’re genuine.
- If you ever spot something suspicious on your Thamesbank account, get in touch with us straight away.