Bank 'Fraud Department' Safe-Account Transfer Call Script
Callers impersonate your bank's fraud team, claiming your account is compromised and instructing you to move your money immediately to a 'safe account' — which belongs to the scammer.
Last reviewed: 1 June 2026
Sanitized example messages
Illustrative, sanitized examples. Personal details are replaced with placeholders such as [phone number] and [fake link].
Hi, this is [bank] fraud prevention. We have detected unusual transactions on your account. To protect your funds, we need you to transfer your balance to a temporary secure account we have set up for you.
This is the [bank] security team. Your account has been accessed by a third party. Our fraud team will now walk you through an emergency transfer to protect your savings.
We have frozen your current account due to a security risk. To release your funds, please confirm your full card number and transfer [amount] to account [number] — this is your protected holding account.
Your mortgage payment was almost intercepted by fraudsters. To prevent this, please move your funds to [account] immediately. Do not tell anyone at the branch — they may be compromised.
What the scammer wants
To convince you that your real bank account is at risk so you voluntarily transfer your savings to the scammer's mule account under urgent, authoritative-sounding instructions.
Red flags in the message
- Instruction to move money to a 'safe' or 'holding' account
- Advice not to tell family, branch staff, or other bank staff
- Caller ID matches your bank's number but this can be spoofed
- No instruction to visit a branch or call the official number independently
- Real banks never ask you to transfer your own money to a new account for security
A safe response
Hang up. Call your bank using the number on your card or their official website. Your bank will never ask you to move your money to a different account to protect it.
What not to send
- Money transfers to a 'safe account'
- Full card number or one-time codes
- Remote access to your device or online banking
What to do if you already replied
- Call your bank on the official number immediately to report the transfer and attempt recall
- Report to Action Fraud or the FTC
- Ask your bank about reimbursement under authorised push payment scam rules
Evidence to preserve
- Screenshot the full message or call details
- Note the sender number, email, or profile
- Save any links (without clicking) and payment details
- Record dates and times