FIRST · Immediate action
Do not send money, share passwords, PINs or one-time security codes, approve unexpected banking prompts, install software or allow remote access. Do not move money to a supposedly safe account. Do not trust a caller’s name, displayed number or claims of authority, even if they claim to be from your bank, the police or Microsoft.
Select all that apply. Your protective steps appear below immediately; no questionnaire is required.
Choose what happened above to see the relevant actions. You can contact your bank safely below without answering any questions.
If the caller claimed to be from your bank:
Use another trusted telephone or device where possible if the original might still be connected to the suspicious caller or could be compromised.
If they claimed to represent another organisation, the same rule applies: end contact and use independently verified official contact details.
Check 159 participants and service details (opens in a new tab)Being targeted is not your fault. Ask someone you trust to sit with you if that would help. Umbrello does not receive urgent reports or recover money.
Start with this official service. Umbrello is not a helpline or a money-recovery service.
Bank or payment-provider assistance
First priority if money, banking details or a banking code may be at risk. Open your official banking app yourself, use an independently verified website or the number on your genuine card. Tell the fraud team immediately.
159 connects to participating UK banks. Not all banks or networks are supported, and call charges may apply. Use another trusted phone if the suspicious call might still be connected.
Immediate danger or a police emergency? Call 999. Use non-emergency reporting routes for fraud.
These are official UK services, not Umbrello helplines. Links open the organisation’s website; call buttons open your phone’s dialler, not a transfer service.
Emergency assistance only
Call 999. For non-emergency fraud reporting, use the services below.
Bank or payment-provider assistance
First priority if money, banking details or a banking code may be at risk. Open your official banking app yourself, use an independently verified website or the number on your genuine card. Tell the fraud team immediately.
159 connects to participating UK banks. Not all banks or networks are supported, and call charges may apply. Use another trusted phone if the suspicious call might still be connected.
Fraud reporting
Report fraud and cybercrime in England, Wales and Northern Ireland. Contact your bank first if money or banking information is at risk.
Fraud reporting
In Scotland, report fraud to Police Scotland on 101 for non-emergency assistance. This is not the emergency number.
Consumer advice
Practical consumer advice. This consumer helpline serves England and Wales; use the official website’s regional options for advice elsewhere in the UK.
Monday to Friday, 9am to 5pm, excluding bank holidays. Calls from mobiles and landlines are free. Hours checked against Citizens Advice’s own consumer-service page.
Telephone: 0808 223 1133
Open Citizens Advice consumer service website (opens in a new tab)Suspicious-email reporting
Forward suspicious emails to report@phishing.gov.uk from your email app. Do not click links or open attachments to investigate.
Forward the original suspicious email rather than starting a blank email. This reports suspicious content, not a crime; use the police reporting route if fraud occurred.
Suspicious-text reporting
Use your phone’s messaging app to forward the original SMS to 7726. Do not reply to the sender or follow its links.
iPhone: touch and hold the message, choose More, then the forward arrow and send to 7726. Android: touch and hold the message, choose Forward and send to 7726. Follow your mobile provider’s prompts. For WhatsApp and other messaging apps, use the app’s own report controls instead.
Investment and financial-firm checks
Check that a firm is authorised and has permission for the service offered. Use independently sourced contact details to avoid cloned firms.
A listing is not a guarantee of safety or compensation. Not appearing on the Warning List does not prove a firm is genuine.
Official service information checked 27/10/2026. Opening times and coverage can change; check the provider’s own website. No availability is guaranteed.
You are not alone. You don’t have to be certain it was a scam to ask for help. Umbrello provides general guidance, not emergency assistance or a money-recovery service.