Watch out for scam text from ‘Lloyds Bank’ – make sure you don’t fall for it

A new spate of scam text messages are being sent out to Brits in the hope of tricking them out of their hard-earned cash.

The most widespread appears to come from a scammer pretending to by Lloyds Bank. Others have purported to be from HMRC.

Like many so-called "phishing" attacks, both these scam texts attempt to lure the victim into clicking on a link – either to change details or confirm identity or perform some other action.

The scam appears to come from a sender with the name "lloydsbank" and has even been sent to people who don’t have an account with Lloyds.

It reads: "You account has had unusual login activity. Please login via the secure link to avoid account closure".

Many people have realised the text is a fake and reported it to Lloyds as well as publishing it on Twitter to make others aware.

Even though text messages like this may look genuine, they’re not. Banks and government agencies will never get in touch with customers and ask them for details with a text message. If you’re ever in any doubt, it’s always best to check with your bank – something that can sometimes be done quickly over social media.

Financial Fraud Action UK (FFA UK), which fights fraud in the payments industry, says people should remember that their bank will never phone them to ask for their four-digit card PIN or their online banking password, even by tapping them into the telephone keypad.

Banks will not ask people to update their personal details by following a link in a text message or ask them to transfer money to a new account for fraud reasons, even if they say it is in the consumer’s name.

Katy Worobec, director of FFA UK, said: "These text messages can look very authentic, so it’s important to be alert. Always be wary if you receive a message out of the blue asking you for any personal or financial details.

"If you’re ever at all suspicious, call your bank on a number that you know. Remember, fraudsters are after your security details – don’t reveal anything unless you are absolutely sure who you are dealing with."

In fact, Lloyds Bank has set up a dedicated website to deal with the issue, which can be found here .

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