Is a rental deposit paid by bank transfer safe?
Only if you have verified the landlord's identity and physically viewed the property. Paying a deposit on an unverified rental is a major scam risk.
Last reviewed: 1 June 2026
Explanation
Rental fraud targets people searching for homes, particularly in competitive markets. Scammers copy genuine property listings and advertise them at below-market rent. After the victim expresses interest, they are told the landlord is abroad, unable to show the property, or that demand is so high a deposit is needed to hold it. Once the deposit is transferred, the fraudster disappears. Sometimes a fake viewing is arranged using a property the scammer doesn't own. Always physically view a property before paying any money, verify the landlord's identity against land registry records where available, and be suspicious of any rental that requires payment before a viewing.
Common red flags
- Landlord says they are abroad and cannot show the property personally
- Rent is noticeably below market rate for the area
- Request for deposit or holding fee before a physical viewing
- Landlord found only via a messaging app with no verifiable identity
- Pressure to pay quickly because others are interested
What to do now
- Never pay before viewing the property in person
- Verify the landlord or letting agent's identity and ownership through official channels
- Use a card or protected payment method rather than bank transfer where possible
- Report rental scams to your national fraud authority and the platform used
Frequently asked questions
Can a landlord legitimately hold a property with a fee before I view it?
Holding deposits exist but are regulated in many countries (e.g., capped at one week's rent in England). Any holding deposit should come with a written receipt and clear terms. Never pay for a property you have not seen.