Text message scams

Fraudsters will often use texts to trick you into handing over your money or personal information

What is smishing?

Text message scams, or smishing, are similar to phishing scams except the fraudster will use text messages as a means of targeting the victim. As with a phishing scam, they’ll be designed to trick you into handing something over to a fraudster, whether that’s money or your personal information such as bank account numbers or online banking passwords.

How to spot a smishing text

Smishing texts can look very convincing at first glance, which makes it easy to catch victims off guard. Because of their text-based nature, smishing texts can sometimes be even more difficult to tell apart from a legitimate text from a company.

The important thing to look out for is that they’ll often ask you to do something which can benefit the fraudster.

They could include messages like these:

"Your account has been blocked. Please click the following link to verify your account log-in to gain access."

"Your account has been compromised. Please change your password using the following link."

"To claim your refund, please click the following link.”

How to check if a text is genuinely from NS&I

We’ll never send you a link in a text message going directly to our log-in page, or ask you to enter your online banking details.

Learn about vishing

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