Is a text saying I have unclaimed tax money waiting for me real?
Unexpected tax refund texts are almost always phishing scams. Tax authorities communicate through your tax account or by post — not via SMS links.
Last reviewed: 1 June 2026
Explanation
Tax rebate phishing is perennially popular because tax refunds are a genuine occurrence. A convincing SMS claims you are owed a refund and provides a link to claim it. The link leads to a fake government tax portal that captures personal and banking details. Real tax refunds from HMRC, the IRS, or equivalent agencies are calculated and issued automatically. When a refund is due, you are notified through your tax account or official correspondence. You are never required to click an SMS link to trigger or receive a tax refund. If you believe you may genuinely be owed a rebate, check your tax account directly at the official government website.
Common red flags
- Unsolicited SMS about unclaimed tax money
- Link to a site that is not the official government tax domain
- Requires bank details to receive the refund
- Urgency — rebate expires within a short timeframe
What to do now
- Delete the message and do not click the link
- Log into your tax account directly through the official government website
- Report tax phishing texts to the relevant tax authority
- If you shared bank details, contact your bank immediately
Frequently asked questions
How will I know if I genuinely have a tax rebate?
Your tax authority will notify you through your account portal or by post. In the UK, HMRC sends a P800 letter. In the US, the IRS issues a refund notice. You do not need to act on an SMS.