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Check whether an invoice, payment change or HMRC message is a scam

An email says a supplier's bank details have changed, or a text claims HMRC owes you a refund. Get a calm check of the warning signs and what to do next, before any money moves.

Updated 17 Oct 2026

The problem

Scams look official and arrive when you're busy. Paying a fake invoice or changing bank details on a forged email can cost you money you won't get back.

The outcome

An email says a supplier's bank details have changed, or a text claims HMRC owes you a refund. Get a calm check of the warning signs and what to do next, before any money moves.

The prompt · ChatGPT

Help me check whether this message is a scam.

Who it claims to be from: [supplier, HMRC, bank, delivery company]
How it arrived: [email, text, phone, letter]
The message: [paste the text; don't click any links]

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A short example

An email says a supplier's bank details have changed, or a text claims HMRC owes you a refund. Get a calm check of the warning signs and what to do next, before any money moves.

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