Crime Prevention Alert – Fake Banking App Scams
4th of November, 2025
We would like to bring to your attention a concerning fraud trend that is increasingly affecting communities across Lancashire.
Fraudsters are using fake banking apps to simulate money transfers, deceiving victims into handing over cash or high-value items. These scams are often carried out in public spaces or via online marketplaces, and can involve intimidation tactics.
Common Methods:
· Cash Withdrawal Scam
Offenders approach individuals in public, claiming they’ve lost their wallet and ask for help withdrawing cash. They use a fake banking app to show a false payment confirmation, but no money is ever transferred. Victims are often targeted near cash machines and pressured into handing over money.
· Online Marketplace Scam
Fraudsters contact sellers of high-value items (e.g. mobile phones) on platforms like Facebook Marketplace. After meeting in person, they use a fake app to “prove” payment and pressure the seller into handing over the goods. The payment never arrives.
A recent incident involved an elderly man selling a mobile phone online. He was approached by a buyer who showed a fake banking app and claimed to have transferred the money. The victim never received payment and reported the incident to police.
Crime Prevention Advice:
- Bank transfers are usually instant. Never release goods or cash until you’ve confirmed the payment has cleared in your account.
- Do not accept money into your account from strangers in exchange for cash. This could expose you to fraud and potential money laundering offences.
- Report suspicious activity. If you or someone you know has been a victim of fraud, please report it to Lancashire Police via 101, or contact Action Fraud on 0300 123 2040.