Fake Bank Call Scams: How to Protect an Older Relative in Essex
Updated: Oct 26
One of the most common phone scams is a call from someone claiming to be your bank's fraud team. They sound calm and professional, and they may know your name or part of your address. The aim is to frighten you into moving money or handing over security details. This guide covers how the call works and what to share with an older relative.
How the fake bank call works
The call usually opens with something like "we have spotted suspicious activity on your account". The caller may then:
Say money has already been taken or your account is not safe.
Offer to help you move your money to a "safe account".
Ask for your PIN, passwords, security answers or the one-time code sent to your phone.
There is no such thing as a safe account. If you are asked to move money to one, it is a scam.
What your bank will never do
Ask for your full PIN or password over the phone.
Ask you to move money to a "safe account".
Ask for a one-time passcode sent to your phone.
Rush you, or tell you to stay on the line.
A caller who makes you feel anxious or hurried is the biggest warning sign. A real bank is happy for you to hang up and ring them back.
What to do if the call comes
Hang up. Do not give any details.
Scammers can keep a landline open after you hang up. Wait a few minutes and ring someone you know first to check for a normal dial tone, or use a different phone.
Ring your bank on 159, which connects you to your own bank, or use the number on the back of your card.
Report the call at reportfraud.police.uk or on 0300 123 2040.
Tell a relative or neighbour, especially if you gave anything away.
If money has already left the account, ring your bank on 159 straight away. The sooner they know, the better the chance of stopping or recovering it.
Why older people are targeted
Scammers often assume older people may have savings and be more trusting of a phone call. That says more about the criminals than about the people they target. A calm, well-informed relative is a much harder target.
How family can help
Talk openly about phone scams so it is easy to mention a strange call.
Agree that they never share a PIN, password or code by phone, whoever is calling.
Help set up call blocking or screening on their phone.
Keep 159 and the reporting details by the phone.
If you would like regular company and a friendly face for a relative who lives alone, Essex Home Support provides home help and companionship across Essex. Call 07719 634112 for a free, no-obligation chat.
