How to protect your family and business from Covid-19 scams

How to protect your family and business from Covid-19 scams

What to look out for and how to protect the things that matter, including:

  1. 5 scams we’ve spotted
  2. Small business specific scams
  3. How to keep your business safe
  4. How to report a scam you've witnessed

Financial regulators, the police and consumer groups are warning members of the public and small business owners to be on the lookout for coronavirus scams, following a worrying spike in cases of fraud.

A nationwide lockdown is a fertile ground for scam artists. With the majority of the UK population at home for up to 23 hours a day, their audience couldn’t be much more captive.

While people and businesses are vulnerable and uncertain about the future, opportunities are rife for criminals. This is especially relevant as older and more vulnerable people self-isolate and are targeted over the phone or in-person to part with their money.

Rising numbers

The City of London Police has detected a 400% increase in COVID-19 related fraud in the last month. Action Fraud has totted up total losses approaching £1million going back to February.

Of particular concern is the rise in scams exploiting government grant money, tax back opportunities from HMRC and ‘early access’ pensions. Also worrying is fraud playing on UK police rules and data harvesting through messages where scammers pose as medical authorities.

So, what can you do? What are the tell-tale signs you should be looking for? How can you protect yourselves, your loved ones and your business?

Smishing, phishing and spoofing

Smishing is a mashing of "SMS" (texting) and "phishing." When cybercriminals "phish," they send fraudulent emails in the hope that a victim clicks on a dodgy attachment or malicious link thinking they are legitimate. While phishing uses emails, smishing uses text messages.

Where many of us have become wise to email scams over the years, smishing in on the rise, Up until now, criminals have and still are sending text messages that purport to be from a trusted organisation in an attempt to access or harvest your personal information or bank accounts. They often look like a text from a financial institution, credit card lender, or broadband provider.

COVID scammers have taken this a step further with ‘spoofing’ texts (a form of smishing) that attempts to piggyback on genuine text messages sent from organisations like the NHS, your local GP surgery, the UK government or even the World Health Organisation (WHO).

We know where you live

One recent example looks like this:

We know where you live...

It includes a genuine link (in this case and then a second malicious link (not shown here). It ends with the words: Stay Home. Protect The NHS. Save Lives.

On the face of it, this should be an easy scam to spot: How would the police possibly know that if it were true? But when it’s presented authentically, and especially when delivered at the right time, it can be very persuasive in encouraging that click.

Scams like these are effective because they appear to be part of a chain of genuine messages. Naturally, in this climate people are going to be more receptive to messages that look like they come from the government, the police or the NHS. But you should consider other avenues that can be exploited too. Recruitment agencies, lawyers, estate agents, even HMRC can all be piggybacked, so stay aware.

To help protect yourself you should:

There is further advice on the FCA’s ScamSmart website about how to protect yourself. You can also call Action Fraud straight away on 0300 123 2040

Behind the masks

Other areas that are being exploited are online retail fake donation websites.

Unscrupulous opportunists have been attempting to dupe the general public into paying upfront for protective face masks, hand sanitisers and cleaning products, but if you place an order you’ll find no such equipment arrives.

Fake charity pages are also using text messages and emails to target victims. According to The Guardian, criminals are asking for donations to help the NHS fight COVID-19. One particular email asks for money to buy “medical preparations and supplies” for the NHS to cope with coronavirus.

The best advice to avoid falling for these scams is to independently check the URL, phone number or email address. If you want to contribute to the national effort, you can always go through traditional channels instead.

For instance, the Sun Newspaper has launched an appeal to raise £1million for the NHS

Advice from The Crown Prosecution Service (CPS)


Taking a moment to stop and think before parting with your money or information could keep you safe.


Could what you see be fake? It’s okay to reject, refuse or ignore any requests. Only criminals will try to rush or panic you into a decision.


Contact your bank immediately if you think you’ve fallen for a scam and report it to Action Fraud.

5 Scams we’ve spotted

  1. Fraudsters are exploiting the fact that bank branches are closed by encouraging people to switch accounts online.
  2. Con artists are contacting the unemployed and offering fake jobs as key workers. They ask you to pay for background checks (which is something teachers and contractors working with sensitive information regularly do, adding to the authenticity)
  3. Ofcom has reported scammers who are posing as members of their team. A recorded message or caller will claim that your broadband needs to be slowed down or switched off dues to the lockdown. Netflix did reduce its bandwidth and suspend HD streaming for a while, so it’s not implausible. But be extra cautious with any caller who tries to encourage you to speak to an operator or press a button for more information. This could lead to you paying premium phone rates.
  4. Scammers may try to contact you about coronavirus, offering tests for the virus, treatments or even a cure. Again these calls aim to pass you on to an operator or press a button on your phone for further information. If you speak to an operator, you could be at risk of giving them your personal information or your financial details, which could result in identity theft or financial loss.
  5. Fake messages from your GP. If you worry that a call or text might not be genuine you can call your GP’s surgery separately to check whether they have tried to contact you.

It’s all very worrying and of course, this poses a threat to genuine messages designed to protect us. Here is an example of a real message:

A genuine COVID-19 related message

You’ll notice a couple of key things. The main action is to ring a number, and not click a link. You are invited to click a link only if you need more information - and crucially, it’s a short URL for a main website which you could independently check without clicking on the link. Once you are confident that you are dealing with a genuine contact, consider adding it to your phone under a name so you can distinguish it from other similar but possibly fraudulent contacts you receive in the future.

Small business specific scams

Many small businesses have profound money worries at this time. At Amaiz we’re here to help with the latest news, guidance and we’ve also frozen fees throughout April.

But if you’re a small business owner you need to look out for:

The National Crime Agency has warned that it expects an upsurge in phishing scams or calls ‘claiming to be from government departments offering grants, tax rebates or compensation.’

How to keep yourself and your business safe:

What to do and how to protect yourself

For information on how to update your devices, please visit:

For more information on how to shop online safely, please visit:

Reporting a crime to the police

If you think you have been a victim or witness to crime there are several ways to report it to the police:


In an emergency, you should phone 999 and ask for the police.

Non-emergency situations

In non-emergency situations, you should phone 101 and you will be transferred to your local police force.

If you wish to remain anonymous you can report a crime to Crimestoppers by phoning 0800 555 111 or visiting

Stay safe online and offline. For the latest health information and advice about COVID-19 please visit the NHS website.

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