Santander issues warning over pet scams and how to avoid

Santander UK has revealed that nearly £160,000 was stolen between January and March from customers who fell victim to fake pet listings on social media and online marketplaces.

The figure represents a significant increase from the £29,735 reported in the final quarter of 2025.

Scammers typically request upfront payments to cover the delivery of pets or money to cover vet bills, leaving would-be owners out of pocket and without a pet.

How to avoid scams

Chris Ainsley, head of fraud risk management at Santander UK, said: “If 2026 is the year you plan to welcome a furry, feathered or even scaly companion into your home, it’s vital to do your homework.

“Always research the seller carefully and choose reputable sources.

“Taking these steps won’t just protect your finances – it also helps ensure your new pet has come from a safe, and responsible environment.”

Women and customers aged 46 and above appear to be most at risk.

Victims have reported being targeted with listings for a wide variety of animals, including popular dog breeds such as miniature dachshunds and cockapoo puppies, as well as cats, parrots, reptiles, fish and horses.

Overall, more than £3.4 million was lost to purchase scams in the first quarter of 2026, Santander said.

Pet-related fraud was the second-largest source of losses, just behind vehicle scams.

How to prevent being a victim of pet scams

Santander has issued advice to help people avoid falling victim to these scams.

The bank says people should remain cautious of adverts seen on social media, as these platforms are often where fraudulent listings appear.

It recommends conducting background checks on both the seller and the animal.

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A reverse image search of photos can reveal if the same images have been used in other listings.

Santander also urged customers not to pay large deposits or cover costs such as vet bills.

Santander says an in-person visit is the most reliable way to confirm that the animal exists.

Have you got any tips for avoiding scams? Let us know in the comments below.