Protecting yourself from fraud

Fraud is when suspicious activity happens on your account or in your name, which you weren't aware of or didn't authorise.

We've outlined some common fraud tactics you should be aware of below, as well as some tips on how to protect yourself and your money.

Talk to us

If you think you've been a victim of fraud at Zopa, please let us know. We also encourage you to report any concerns to Action Fraud who can investigate further.


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Types of fraud to be aware of

Authorised push payment fraud

Authorised push payment (APP) fraud happens when you're tricked into sending money to a fraudster’s account by someone pretending to be a legitimate person or company.

With this type of fraud, given you’ve voluntarily authorised the transfer, it can be very difficult to recover any stolen money.

Learn More

Identity theft

Identity theft is when your personal information is used without your permission to commit a crime or deceive a company or person.

A fraudster can use your details to access your online accounts and apply for credit cards or loans in your name.

Learn more

Money muling

Money muling is a type of money laundering where you’re tricked or paid to receive money into your bank account to give to someone else, likely to cover up criminal or fraudulent activity.

Being a money mule is a criminal offence that could have serious consequences.

Learn more

Car finance fraud

Car finance fraud can sometimes happen when you or someone you know buys a new vehicle.

There are two main types of car finance fraud: guarantor fraud and fronting a finance agreement.

Learn more

Friend, family and partner fraud

We usually associate fraud with strangers, online hackers or dodgy businesses. But those closest to you can also commit fraud too, sometimes unknowingly.

This may be uncomfortable to think about, but it’s always important to remain vigilant and proactive when it comes to fraud, and that means protecting yourself against your loved ones too.  

Here are some tips to protect you from friend, family and partner fraud:

Keep up to date with the latest fraud tactics so you know the warning signs to look out for.


Trust is important in any relationship, but you should always verify financial transactions and agreements to ensure they’re not fraudulent.

Your friend, family member or partner may be bringing you into a fraudulent transaction unknowingly. 


Be cautious about what personal and financial information you share, even with your loved ones.  


Familiarise yourself with the organisations available to help advise you if you think you’re a victim of fraud. You can find a list of helpful organisations at the bottom of this page.

How to protect yourself from fraud

Here are a few things you can do to keep your personal information safe from fraudsters:

Strong passwords

Make sure you use strong, unique passwords for all your accounts and apps, and that you change them regularly.

Only use secure websites

Look for the lock icon or https:// in the address bar so you know whether you can trust the website.

Dispose of documents safely

Make sure you black out or shred any documents containing personal information before throwing them away.

Review your statements regularly

Look for unrecognised transactions on your statements and credit reports and report them to your bank immediately.

Be wary of unexpected emails, texts or calls

If you’re asked for personal information, or to click a link or open an attachment, don't respond unless you're 100% sure it's legitimate.