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HMRC scams surge every year, especially around key deadlines such as self‑assessment. Fraudsters take advantage of the pressure people feel when dealing with tax matters, often creating a sense of urgency or fear to push victims into sharing information or sending money.
At Quilter, we want to help you stay alert to these threats so you can protect both your personal information and your financial wellbeing.
What are HMRC scams
HMRC scams involve criminals impersonating HMRC to trick people into sharing sensitive information or making payments. Scammers often use emails, texts, social media messages or phone calls to create believable stories, ranging from tax refunds to threats of legal action.
Some messages look convincing. They may include HMRC branding, official‑sounding language or links to realistic‑looking websites. This is why awareness matters.
Why they can be hard to spot
Fraudsters know that many people find tax matters stressful. They exploit that stress, creating messages that feel urgent or alarming. They often mimic genuine HMRC templates, use spoofed phone numbers or email addresses, and send messages at times when people expect communication from HMRC.
Scammers rely on the hope that you’ll act quickly without taking time to check whether the message is legitimate.
Red flags to watch for
- Unexpected contact: If you receive an unprompted message claiming you’re owed a refund or owe tax, be cautious. HMRC will never contact you by email, text or social media to offer a refund.
- Urgent threats or pressure: Messages that reference warrants, arrests or immediate fines are almost always fraudulent. Genuine HMRC staff will not threaten you.
- Requests for personal information: HMRC will not ask for bank details, login details or PINs out of the blue.
- Suspicious links or attachments: Avoid clicking on links in emails or texts. Fake HMRC websites are common and often look legitimate.
- Unusual payment methods: HMRC will never ask for payments via gift cards, cryptocurrency or money transfer services.
Why people fall for HMRC scams
Behavioural science shows that scammers take advantage of the anxieties many people feel about tax. Fear, urgency and authority are powerful psychological triggers. When a message appears to come from an official body, people may act quickly to resolve a perceived problem. This can override cautious instincts.
Shame can also play a role. Some victims feel embarrassed about being targeted, which can delay reporting and allow the scam to continue. Here are some tips how you can protect yourself:
- Visit your HMRC online account directly rather than clicking on links.
- Check the ‘HMRC scams’ pages on GOV.UK for current warnings.
- Never share personal or bank details by email, text or social media.
- Pause if a message feels urgent or threatening.
- Speak to a friend, family member or adviser before taking action.
- Trust your instincts – if something feels unusual, verify it independently.
What to do if you’re concerned
If you’ve received a message you’re not sure about, check directly with HMRC, using the contact details on GOV.UK. Never use numbers or links provided in suspicious messages. We also recommend the following:
Report it
Forward suspicious emails to phishing@hmrc.gov.uk and texts to 60599. You can also report scams to Report Fraud or Police Scotland if you live there.
Speak to your bank
If you have made a payment or shared details, contact your bank urgently. You may be protected under authorised push payment fraud safeguards.
Get support
If you’ve been affected emotionally or financially, support services are available and you do not need to manage it alone.
Where to get help
https://www.reportfraud.police.uk/
https://www.victimsupport.org.uk/
https://www.getsafeonline.org/
https://www.gov.uk/government/organisations/hm-revenue-customs/contact/reporting-fraudulent-emails
Why this matters for your financial wellbeing
Falling victim to a scam can have long‑lasting consequences for your financial confidence and security. At Quilter, we believe that staying informed is one of the simplest ways to protect your future. If you’re worried about HMRC scams or any other type of fraud, we’re here to help.
