MTTM Podcast Episode 544 – The 15 scams to watch out for in 2026

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Scams to watch out for in 2026

Summary:

We discuss how criminals are using advanced technologies, such as artificial intelligence, to clone voices and even faces. These scams often involve a person receiving a call or video message that appears to be from a trusted family member or an official organisation, such as a bank. We also look at "quishing," a growing threat where fraudsters place fake QR code stickers over legitimate ones in public places, such as car parks or restaurants, to redirect users to malicious websites that steal financial data.

We also examine how scammers exploit emotional triggers and everyday life events to steal money. This includes the "Hi Mum/Dad" WhatsApp scam, where fraudsters pretend to be a child in distress with a broken phone. We also reveal how criminals use impersonation tactics, posing as police officers or bank staff to convince victims to move their money into so-called "safe accounts." Additionally, we discuss seasonal fraud, such as fake driving test bookings, marathon entry scams, and holiday accommodation fraud, where legitimate booking platforms are infiltrated

Key Insights:

• AI voice cloning - Scammers can clone a person's voice using only a small audio sample obtained through fake phone surveys. Current AI video cloning often struggles with fast, complex motions. Asking a caller to wave three fingers in front of their face can sometimes break the digital mask.
• QR codes - "Quishing" involves placing fake stickers over real QR codes. It is safer to go directly to a company's official website or app rather than scanning a code in a public space.
• Verify the source - Never rely on caller ID or the voice you hear. If someone asks for money unexpectedly, hang up and call them back on a known, trusted number using a different device.
• Hi Mum/Dad scam - If you receive a WhatsApp message from a "child" or "friend" claiming they have a new number and need money, always verify this via a voice or video call.
• "Safe accounts" - Banks or the police will never ask you to transfer money to a new "safe account" to protect it. This is a clear red flag of an impersonation scam.
• HMRC scams - Official government bodies like HMRC typically communicate via post or your secure online tax account. Any text or email offering a rebate with a link is likely fraudulent.
• Avoid third-party shortcuts - Only book driving tests or event tickets through official, regulated channels. Paying via direct bank transfer offers no buyer protection and is a common sign of a scam.

• The Financial Conduct Authority (FCA) Warning List
• Which? Article: The scam crisis on Booking.com
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