PHISHING SCAMS

Phishing Scams UK — How to Spot Fake Emails, Texts and Websites

Updated July 2026 · 7 min read · By Silent Erase | ICO Registered C1971457

Phishing is the most common form of cybercrime in the UK. Every day millions of fake emails, texts and websites attempt to trick UK residents into revealing passwords, banking details and personal information. Knowing how to spot them could save you thousands of pounds.

Staggering scale:
The NCSC reported over 7.1 million phishing reports from UK residents last year. Phishing is now responsible for over 80% of all cybersecurity incidents in the UK.

What is Phishing?

Phishing is when criminals send fake communications — emails, texts, social media messages or create fake websites — designed to look like they come from legitimate organisations. The goal is to trick you into revealing login credentials, banking details, personal information or downloading malware.

The Most Common Phishing Types

Email Phishing

Fake emails that appear to come from banks, HMRC, Royal Mail, Amazon, Netflix or other trusted organisations. Here is a real example of what a phishing email might look like:

From: security@hsbc-alerts.com
Subject: URGENT: Your account has been suspended

Dear Customer,

We have detected suspicious activity on your account. Your account has been temporarily suspended for your protection.

Click here to verify your identity and restore access: http://hsbc-secure-verify.com/login

Failure to verify within 24 hours will result in permanent account closure.

HSBC Security Team

Notice the red flags — the sender domain is not hsbc.com, there is urgency and pressure, and the link goes to a suspicious domain.

Smishing — SMS Phishing

Fake text messages claiming to be from Royal Mail about a missed parcel, from your bank about suspicious activity or from HMRC about a tax refund. The texts contain links to fake websites designed to steal your details.

Vishing — Voice Phishing

Phone calls from people pretending to be your bank, HMRC, the police or technical support. They use personal details purchased from data broker sites to make calls seem legitimate.

Spear Phishing

Highly targeted phishing attacks using your personal information — your name, employer, recent purchases — to make the fake communication seem genuine. Fraudsters obtain this information from data broker websites and social media.

10 Red Flags to Spot Phishing

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Urgent or threatening language — "Your account will be closed in 24 hours"
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Suspicious sender address — check the actual email domain not just the display name
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Requests for personal information — legitimate organisations never ask for passwords by email
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Generic greetings — "Dear Customer" instead of your actual name
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Suspicious links — hover over links before clicking to see the real URL
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Poor spelling and grammar — though AI is making this less reliable as an indicator
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Unexpected attachments — never open unexpected attachments even from known contacts
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Requests for gift card payment — no legitimate organisation asks for gift card payment
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Too good to be true — unexpected prizes, refunds or windfalls are almost always scams
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Mismatched branding — slight differences in logos, colours or layout from the real organisation

How to Check If a Link is Safe

Before clicking any link hover your mouse over it and check the URL that appears in the bottom of your browser. Look for misspellings like amaz0n.com or amazon-secure.co.uk instead of amazon.co.uk. You can also paste suspicious URLs into virustotal.com for a free safety check.

What to Do If You Clicked a Phishing Link

1. Do not enter any information — close the page immediately if you have not already entered anything.

2. Change your passwords — if you entered any login details change that password immediately on every site where you use it.

3. Contact your bank — if you entered any financial details call your bank immediately.

4. Run a virus scan — use reputable antivirus software to check your device for malware.

5. Report it — forward phishing emails to report@phishing.gov.uk. Report phishing texts to 7726 (spells SPAM on a keypad).

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Protect Yourself from Targeted Phishing

Spear phishing uses your personal data to target you. Remove your data from broker sites to make yourself a harder target.

Start Free Scan — silenterase.com