Scammers are getting smarter. Every year, consumers across the UK, USA, Europe, and Brazil lose millions to increasingly sophisticated fraud schemes. Here are the emerging scams we're seeing in 2026 and how to avoid them.
AI voice cloning
Scammers use AI to clone voices from short audio clips found on social media. They then call pretending to be a family member in distress, asking for urgent money transfers. Always verify by calling back on a known number or asking a question only the real person would know. This scam is affecting victims across all our global locations.
Fake parcel delivery texts
You receive a text claiming a package couldn't be delivered, with a link to "reschedule." The link leads to a fake Royal Mail (UK), USPS, DHL, or local courier site that steals your personal and payment details. Never click links in unexpected texts—go directly to the official website.
Investment scams on social media
Fake celebrity endorsements and "guaranteed returns" ads are rampant on platforms like Facebook, Instagram, and TikTok. These lead to sophisticated websites that look real but are designed to steal your money. If it sounds too good to be true, it is. We've seen these scams targeting UK investors with promises of high returns in cryptocurrency and foreign exchange.
Remote access scams
You get a call from "your bank" or "broadband provider" saying there's a problem with your account. They ask you to install software so they can "fix" it. Once installed, they have access to your computer and bank accounts. Hang up immediately—your bank will never ask for remote access. This is a growing problem in the UK and Europe.
Romance scams
Scammers build relationships on dating apps or social media, then invent emergencies needing money. They often profess love quickly and make excuses for why they can't meet in person. Never send money to someone you haven't met. Action Fraud UK reports millions lost to these scams annually.
Authorised Push Payment (APP) fraud
You receive a genuine-looking email from your supplier or solicitor with new payment details. Always verify payment changes by phone using a known number. Under the UK's Contingent Reimbursement Model Code, you may be eligible for reimbursement if you're a victim of APP fraud.
How to protect yourself
- Never share passwords, PINs, or verification codes
- Don't click links in unsolicited messages
- Verify requests for money by calling the person directly on a known number
- Use strong, unique passwords and enable two-factor authentication
- Keep software and devices updated
- If in doubt, contact us directly using the number on your card or our website
- Sign up for fraud alerts through your mobile banking app
Report a scam
If you've been targeted:
- UK: Report to Action Fraud (actionfraud.police.uk) or call 0300 123 2040
- USA: Report to the FTC at reportfraud.ftc.gov
- Germany: Contact the Bundeskriminalamt (BKA)
- France: Report to Pharos (internet-signalement.gouv.fr)
- Brazil: Contact the Polícia Federal
Contact us immediately on +44 (0)20 1234 5678 or visit any branch. The sooner you act, the better chance of recovering funds.
At Unity Oak Trust, your security is our priority across all our global locations. Visit our Security Centre for more tips and updates on the latest threats.