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How to avoid tax year scams

The change in tax year is a favourite time for fraudsters to try ‘social engineering’ attacks by:

  • sending scam emails (known as phishing)
  • sending scam texts (sometimes called smishing)
  • making bogus phone calls (also referred to as vishing)


For example, they may send messages pretending to be from Her Majesty’s Revenue and Customs (HMRC) saying you've received a tax rebate and asking for your account details. Often they’ll follow up a fake email or text with a phone call.

Here are some tips to help you watch out for scams that try to trick you into handing over your personal information.

How to spot a scam

It's a good idea to be suspicious of unsolicited emails, texts or phone calls, even if they appear to come from a legitimate source. Tell-tale signs that they might be phishing emails include:

  • using poor spelling and grammar
  • claiming to offer a tax refund from HMRC
  • urging you to reply or click through to a website, which turns out to be fake
  • asking for confidential information, such as online banking details, passwords or PINs
  • offering money or rewards, like lottery prizes
  • warning that your account may be shut down unless you take some type of action


A good way of spotting a fake message is to hover over the sender's email address to see where it's really come from or hover over the links to see where they're sending you to. HMRC has issued its own advice on how to spot fraudulent emails.

With bogus phone calls, the fraudster may pretend to be from HMRC and warn you that police will come to arrest you unless a tax bill is paid immediately.

The caller can be very aggressive.

What to do about suspicious emails, texts and phone calls

If you get a suspicious email you think may be a scam:

  • don’t reply 
  • don’t click on a link
  • don't open any attachments.


Criminals can carry out scams using messages or calls that appear to have been sent by reputable organisations such as HMRC. Fraudsters use 'text spoofing' to make the sender name on a message seem like it’s from a genuine source or ‘phone number spoofing’ to make calls look like they’re coming from a genuine call centre.

You may want to contact the organisation to check whether an email, text or call claiming to be from them is authentic. Make sure you do so using a phone number you know is genuine.

If you think you’re being targeted by a bogus phone call, don’t be afraid to hang up. If you have call barring, you could block the incoming number for future calls - but only if it’s not been spoofed or withheld.

What next?

If you've been contacted by a suspicious caller, you can read more about our latest scam warnings and how you can protect yourself online.

To find out more about phishing and other scams, download our guide to protecting yourself against financial fraud (PDF, 333KB).

You can also check out the government-backed campaign Take Five to learn more about how to guard against financial fraud.

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