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UK bank scam attempts rise 62% as fraudsters shift tactics

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Attempted social engineering scams at UK banks rose 62% in 2025, according to BioCatch data covering more than 100 million retail banking accounts at nine UK lenders.

The fraud specialist said the increase reflects a broader shift towards authorised fraud, with criminals focusing more on manipulating customers than on older account-takeover methods.

Its report found that purchase scams rose 63%, romance scams 47% and investment scams 34% over the year. Phishing attempts more than doubled, up 140%, while fraud linked to stolen devices jumped 112%.

By contrast, remote-access fraud and malware-related fraud both declined, suggesting some traditional attack routes are becoming less prominent as banks tighten controls and criminals adapt.

Reported mule accounts also increased 16%, which may reflect both the continued spread of mule networks and stronger detection by banks.

Fraud shift

The findings add to evidence that customer behaviour has become a central point of vulnerability for banks. Authorised fraud, in which victims are persuaded to approve payments or grant access themselves, has become a persistent concern for lenders, regulators and law enforcement in the UK.

Tom Peacock, director of global fraud intelligence at BioCatch, said the rise in scam activity reflected a longer-term change in tactics.

“The continued growth of social engineering scams in the UK likely surprises no one. As banks bolstered their controls to protect customers from third-party fraud, fraudsters mastered the art of social engineering and haven’t looked back. Our data shows substantial increases in attempts across many scam types in 2025, highlighting just how pervasive authorised fraud has become in the UK,” Peacock said.

The report also highlighted the use of stolen mobile phones and other devices. BioCatch linked the sharp increase in stolen-device fraud to weaknesses that emerge when criminals gain control of a trusted handset already used for digital banking.

Jonathan Frost, global advisory director at BioCatch, pointed to crime data and insurance claims as evidence of the scale of the problem.

“In London alone, Metropolitan Police data shows us more than 70,000 phones were reported stolen in 2025. Insurance industry data shows the UK makes up 40% of all stolen device claims across Europe. If these devices are not well secured, criminals can profit in two ways: They can either sell the device or use it to commit fraud by bypassing normal security checks. Those criminals who do both will see significant gains for relatively little risk. Stolen devices undermine strong customer authentication. To address this, financial institutions should continuously assess behavioural intent, because once a bad actor has control of a trusted device, they can often commit fraud with relatively little friction,” Frost said.

Industry response

The report also raises questions about whether the response from the industry and regulators is keeping pace with changing fraud methods. The debate has become more urgent as banks invest more in fraud controls while criminals shift towards techniques that rely less on technical intrusion and more on impersonation, coercion and deception.

Katy Worobec, director at Azymus Consilium Fraud Consultancy and former managing director of economic crime at UK Finance, said tackling the problem depended on identifying threats earlier and improving intelligence sharing.

“Winning the battle against fraud ultimately rests on the ability to identify and disarm the enemy at an early stage. Collation and exchange of intelligence between trusted allies is vital … Individual technologies and tools at the vendor level play their part too, gleaning information from the enemy by stealth, identifying behaviours, patterns, and signals that indicate whether transactions and interactions with organisations are genuine,” Worobec said.

The study was based on proprietary data from BioCatch customer institutions in the region. It also includes analysis of deepfakes in digital onboarding, highlighting another route through which identity checks may come under pressure as synthetic media tools become easier to use.

The latest figures suggest UK banks are making progress against some legacy forms of account compromise, but are still contending with fast-growing scam methods built around persuasion, impersonation and access to trusted devices.

Across the nine banks in the study, attempted social engineering scams, phishing and stolen-device fraud all rose sharply in the same year that malware and remote-access fraud declined.



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Tesco confirms major change in UK supermarket ‘first’

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The UK’s biggest grocer described the move as “one of the most revolutionary retailing improvements in decades” which would give customers access to a host of information about products via their smartphones.

QR codes will be applied to the packaging of 13 lines of Tesco’s own-brand sausages including Tesco Pork Sausages, Tesco Pork Chipolatas, Tesco British Pork Sausage Meat as well as British Cumberland Sausages and British Lincolnshire Sausages.

The codes can be used to provide additional product information to customers such as nutritional content, with shoppers being able to use them to access recipes and competitions.

EMBARGOED TO 0800 FRIDAY APRIL 17 Undated handout photo issued by Tesco of the packaging of one of their own-brand sausages which has been upgraded from barcodes to QR codes. The UK's biggest grocer described the move as (Image: PA Wire)

Tesco said adopting the new codes would give it better information about products in stores, helping it to order more accurately and improve efficiency, reducing unnecessary waste.

In the event of product recalls, QR codes will allow retailers to identify specific batches instead of removing all items, avoiding throwing products away unnecessarily and improving availability.

Retailers will also be able to block the sale of affected items at the till and contact customers who may have purchased them.

It is part of a wider industry shift led by GS1, the global body responsible for barcode standards, which has set a target for retailers and manufacturers to be ready to accept QR codes.

Tesco development and change director Peter Draper said: “For customers, this is a tiny and almost invisible change at the checkout, but for the retail industry it’s a significant step forward.

“Moving to QR codes will help us reduce food waste, improve stock control and unlock new digital benefits for our customers.

EMBARGOED TO 0800 FRIDAY APRIL 17 Undated handout photo issued by Tesco of the packaging of one of their own-brand sausages which has been upgraded from barcodes to QR codes. The UK's biggest grocer described the move as (Image: PA Wire)

“Customers will continue to shop and pay in exactly the same way, but they’ll have the option to access far richer information about the products they buy simply by using their smartphones.

“Over time, this opens up exciting possibilities, such as personalised digital tools to help customers manage the food they buy and reduce waste at home.”

Anne Godfrey, chief executive of GS1 UK, added: “Tesco moving to QR codes powered by GS1 across an entire range marks a significant step forward for UK retail.

“It shows how the next generation of barcodes can support a more connected, transparent future. We hope this progress encourages others to follow Tesco’s lead so that consumers and businesses alike can benefit from richer, more trusted product information.”

 

 





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UK broadband switching jumps 24% as April bills rise

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Broadband switching in the UK rose 24% year on year in March, according to data from Uswitch, as April bill increases prompted more households to shop around.

One in five broadband customers either switched provider before the rises or planned to do so within the next three months. Three million households had already changed provider in time to avoid higher charges.

The figures suggest a sharp consumer response to increases across several essential services at once. Households faced an average annual rise of £216 across council tax, water, TV licences, mobile contracts and broadband, bringing the total national increase to £6.9 billion.

Broadband accounted for an average increase of £39.60 a year, based on a monthly rise of £3.30. Some customers faced fixed increases of £4 a month, adding £48 over a full year.

Cost pressure

Affordability is now a central factor in broadband buying decisions. Some 24% of broadband customers chose their current provider primarily because it offered the lowest monthly price.

That pressure has coincided with stronger competition, particularly from regional network operators. These providers have offered some of the strongest broadband deals on record, including tariffs that in some cases avoid annual in-contract price rises, prompting larger providers to improve their own offers.

Uswitch’s internal data showed March was the busiest month for broadband switching since its records began in October 2016. Its measure of broadband deal value also reached its highest level since the index began in August 2023.

Not all customers moved quickly. Some 39% of broadband bill payers knew their bill was going up but did not plan to act, leaving them exposed to the full increase.

Market shift

The pattern suggests a widening gap between households willing to switch and those staying on existing contracts despite higher costs. Customers who stay with the same provider after their contract ends often move on to more expensive terms, while rival offers for new customers can be materially cheaper.

A household reaching the end of a broadband contract could save an average of £329 a year by taking a new deal. That adds to evidence that bill rises are prompting more active shopping around in a market where price has become a stronger differentiator.

Some of the biggest broadband brands have adopted fixed annual uplifts for new customers rather than the inflation-linked formulas criticised in previous years. While that offers more certainty, it still means higher charges each April for customers who remain in contract.

Regional providers have used that backdrop to compete on price and on promises of no annual rise. The result is a more competitive market at a time when household budgets are under strain from multiple directions.

Ernest Doku, broadband expert at Uswitch, said: “By moving in record numbers this year, broadband customers are sending a clear message that they will not pay over the odds while budgets are already under such intense pressure.

“What we are seeing is a significant shift in the market. The expansion of regional networks – both aggressively priced and keenly focused on customer service – has created a level of competition that hasn’t been seen in years.

“These providers are offering high speeds and great reliability on their networks at much lower price points, which is finally forcing the bigger brands to offer much more to keep their customers.

“If you have faced a price rise this April, it is not too late to check your contract. With the market as competitive as it is right now, there is a real opportunity to find a deal that protects your household budget.

“The average household coming to the end of their contract could save £329 a year by switching to a new deal, so it really pays to see what else is out there.”



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Oxford dog-friendly hotel sees record breaking Easter demand

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The hotel has reported its busiest period for canine stays, driven by rising staycation demand and warmer seasonal weather.

This trend is expected to continue, with April through to August proving especially popular for dog-owning families, aligning with school holidays, longer daylight hours and increased leisure travel across the UK.

Easter weekend stood out as the peak period for dog stays, where the hotel welcomed a 50 per cent increase in four-legged guests.

READ MORE: Oxford households desperate to escape debt figures show

Fine weather helped create a relaxed, outdoor-focused atmosphere, with over 20 dogs making full use of the hotel’s gardens, riverside setting and expansive grounds, over Easter

 The strong performance reflects a wider staycation boom, as more travellers choose to holiday closer to home.

One pooch at the restuarantOne pooch at the hotel restaurant (Image: Voco Oxford Thames)

 Set within 30 acres of scenic parkland on the banks of the River Thames, Voco Oxford Thames is ideally positioned as a base for exploring the southern Cotswolds.

 The hotel is also seeing growing demand for dogs to be included in wedding celebrations. The properties regularly accommodate canine companions of wedding couples, adding a personal and memorable touch to special occasions.

Logesh Waran, hotel manager at voco Oxford Thames, said: “We’re seeing a clear rise in guests choosing to travel with their dogs, particularly during peak leisure periods.

“Our spaces, grounds and pet-friendly rooms and dining areas make it easy for owners to include their pets in the full travel experience. From weekend breaks to weddings, dogs are always welcome!”

READ MORE: Primary school allocation day: Oxford Ofsted ratings

 Dog-friendly rooms at the hotel offer patio access, allowing guests easy access to outdoor spaces – an amenity that has proven especially popular with pet owners.

 Guests are also taking advantage of nearby attractions including Bicester Village for premium outlet shopping, as well as Blenheim Palace and the historic town of Woodstock, both offering a rich mix of cultural, heritage and leisure experiences.

Pet Owners could book a Pet Getaway package or just book room only with small charge per pet.

The hotel, located in Sandford on Thames, dates to the Middle Ages and boasts a leisure club, spa, restaurant.

After the COVID-19 pandemic drove an increase in the number of dog friendly households, pet tourism has only surged.

Research from the University of Surrey suggests the potential that the dog-friendly travel market will be worth $50.1 billion by 2030.

Another report from Roch Dog, a certification body for dog friendly hotels, states that hotels that welcome dogs are likely to experience 15 to 20 per cent higher occupancy rates than those that don’t.

Hotels in the Cotswold’s like Bowden Hall Hotel, The Lygon Arms Hotel, and The Swan Hotel are all highlighted on Tripadvisor as excellent dog friendly hotels.





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