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How to avoid coronavirus scams

Some fraudsters are trying to exploit the coronavirus pandemic as an opportunity for financial crime.

They do this by posing as trusted organisations like the NHS, banks and even the World Health Organisation. 

Now that vaccines are available, fraudsters are sending bogus messages claiming to offer the chance to apply for a coronavirus jab.

These are usually text messages which ask you to confirm your personal and financial details through a website given in a link. Some fraudsters are also trying the same scam with automated phone calls.

The NHS will never ask you to press a button on your keypad or send a text asking you to confirm you want the vaccine. It will also never ask for payment or for your bank details.

Do not visit any of these sites or give any information. Please continue to follow official government advice. 

If you’ve fallen victim to this scam, contact us using the number on the back of your card.

Read more about how to spot a vaccine scam.

On this page, you can find more about how to avoid other common coronavirus scams.

Fraudsters may also pretend to offer a safe haven for your money during the pandemic, for example. 

Remember, HSBC will never ask you for any PINs or passwords or to move money to a safe account.

How to report it

If you think you've been the victim of a coronavirus scam, please call us immediately
on 03457 404 404 or if abroad: +44 1226 261 010.

For Premier customers call us on: 03457 707 070.

You can also visit the Take Five website for more help on protecting yourself against fraud.

We also have our scams leaflet (PDF, 331.1KB) which tells you more about how to stay safe online.

New coronavirus scams to watch out for

Be aware of the scams below, and regularly check for more warnings on our social media channels: Facebook, Twitter and Instagram.

NHS scam

Criminals are sending fake text messages claiming to offer an opportunity to apply for a coronavirus vaccine. The NHS won’t text or call you to confirm you want the vaccine or ask for your bank details.

Safe account scam

Fraudsters are exploiting coronavirus by offering the chance to move your money to a fake safe account. We'll never ask you to do this. If you're suspicious, hang up or don’t reply to the message.

Purchase scam

Fraudsters are using coronavirus to offer fake goods, such as face masks and hand gel. If a deal looks too good to be true, it probably is. Use secure payment methods and only buy from sites you trust.

Fake testing kits

Beware of fraudsters pretending to be medical professionals, promising coronavirus testing kits for a fee. Don't be rushed into a decision. Only criminals will try to rush and panic you.

Other examples of fraud and scams


We’re seeing criminals pretending to be from HMRC and offering a goodwill payment from the coronavirus fund. Again, HMRC won’t email, text or call about tax rebates or penalties so this could be a scam. Look out for generic greetings like 'Dear customer', bad spelling and odd addresses.

If you receive a message that does look genuine, go to the HMRC website on your browser to check the information given there tallies with what's in your message.

Government impersonation scams

On 24 March, the UK Government sent a text to the public asking people to stay at home. This was legitimate. However, fraudsters are also impersonating the Government, sending texts to people claiming they’re being fined for leaving their home more than once a day.


Customers in vulnerable circumstances are receiving unsolicited emails offering insurance and investments. Phishing is an attempt by fraudsters to 'fish' for personal information such as the security details you use for banking. They send an email to as many email addresses as they can, claiming to come from a legitimate organisation such as a bank, online payment service, retailer or similar.

Payment fraud

We’ve seen confirmed Authorised Push Payment (APP) scams with payment references mentioning coronavirus or COVID-19. However, that doesn't necessarily mean that the fake caller used the virus as a conversation starter. They may have used these words in the payment reference to make it look more genuine to us.

Payment diversion

Some business customers are being targeted too. They're being invited to purchase a “COVID Bond” or being told to send money to a different account because their account is being frozen by a foreign government.

Buying and selling

Watch out for scammers exploiting the demand for things like face masks, test kits and hand sanitiser by selling fake or non-existent products online. Only use sites you trust and be wary of requests to pay via bank transfer. Also look out for deals that appear too good to be true – they probably are.

School closures

Some parents have received fake emails telling them their child is entitled to free school meals. Parents are then asked to send their bank details so they can get help with funding while schools are closed. Please remember, schools will never ask for your bank details via email.

Doorstep fraud

There have been cases of fraudsters targeting the elderly and vulnerable, offering to do their shopping or other odd jobs. This may seem like a genuine act of kindness, but fraudsters are taking money or cards and never returning. 

If you can, please only accept help from friends, neighbours or those you know and trust.

Investment scams

Be aware of scammers capitalising on current stock market volatility. They may unexpectedly contact you through emails and phone calls with:

  • an attractive investment offer on new shares
  • a report on investments you already have
  • a share dealing discount

These tactics are also called ‘boiler room’ scams, as criminals will often pressure you into investing.

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