Scam script · Phone call

Courier 'Card Collection' Doorstep Call Scam Examples

Callers impersonating couriers claim your bank card has been compromised and a 'courier' will collect it from your door so the bank can investigate. No bank or courier ever collects a card.

Last reviewed: 1 June 2026

Sanitized example messages

Illustrative, sanitized examples. Personal details are replaced with placeholders such as [phone number] and [fake link].

Hello, this is [Bank Name] fraud prevention. Your card ending [last 4] has been used fraudulently. We need to cancel it. A courier will collect the card from your address today — please cut it in half but keep both pieces together.

This is [courier company] calling on behalf of your bank. There is a security issue with your account. An officer will be at your door within the hour to collect your old card and deliver a new PIN.

Your card has been cloned and we have frozen the account. Do not use your card or contact the bank — a secure courier is en route. Please have the card ready along with the PIN in a sealed envelope.

What the scammer wants

To obtain your physical payment card and PIN so fraudsters can withdraw cash or make contactless purchases before your bank detects the theft.

Red flags in the message

Any claim that a courier will collect your bank card
Being told to keep the card PIN in an envelope for the courier
Instruction not to contact the bank directly
Urgency and a short collection window
Request to cut the card while keeping both pieces together (card is still usable)

A safe response

Hang up and call your bank on the number printed on the back of your card. Real banks never send couriers to collect cards.

What not to send

Your physical bank card
Your PIN
Any personal account details

What to do if you already replied

Call your bank's fraud line immediately using a number from its official website
Ask the bank to freeze all accounts and issue a new card
Report to Action Fraud or your national fraud reporting service

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

Sanitized example messages

Illustrative, sanitized examples. Personal details are replaced with placeholders such as [phone number] and [fake link].

Hello, this is [Bank Name] fraud prevention. Your card ending [last 4] has been used fraudulently. We need to cancel it. A courier will collect the card from your address today — please cut it in half but keep both pieces together.

This is [courier company] calling on behalf of your bank. There is a security issue with your account. An officer will be at your door within the hour to collect your old card and deliver a new PIN.

Your card has been cloned and we have frozen the account. Do not use your card or contact the bank — a secure courier is en route. Please have the card ready along with the PIN in a sealed envelope.