The tax office has urged Britons to remain vigilant as scammers target thousands with fraudulent refund texts and emails. Concerned customers reported more than 170,000 scam referrals to HM Revenue and Customs (HMRC) in the 12 months to July 31, 2025, with more than 47,000 of those reported involving fake tax refund claims.
In a new warning, HM Revenue and Customs (HMRC) said: “Scammers often impersonate HMRC, offering fake refunds or demanding urgent payments to steal personal and banking information. They may say it’s safe to share personal details. It’s not. Passwords, usernames, and access codes are private and customers should never share them, even with someone they trust or who helps them with their tax.”
For people who have to file self-assessment tax returns, HMRC said filing early can help customers spot scams more easily. This is because those who have already submitted their tax return are less likely to be caught off guard by scam attempts closer to rush of the self-assessment deadline of January 31, 2026.
If someone receives a communication claiming to be from HMRC that asks for personal details or offers a tax rebate, they should check the official HMRC scams guidance to verify its authenticity.
According to the tax body, it will never:
- Leave voicemails threatening legal action or arrest
- Ask for personal or financial information via text message or email
- Contact customers by email, text, or phone to inform them about a refund or ask them to claim one.
Anyone due a refund can claim it securely via their HMRC online account or via the free HMRC app.
Kelly Paterson, HMRC’s chief security officer, said: “Scammers target individuals when they know Self Assessment customers will be preparing to file their tax returns. We’re urging everyone to stay alert to scam emails and texts offering fake tax refunds.
“Taking a moment to pause and check can make all the difference. Report any suspicious activity to us before the fraudsters do any more harm. Search ‘HMRC scams advice’ and refer to the scams guidance on GOV.UK to stay informed and protect yourself.”
Laura Suter, director of personal finance at AJ Bell, said: “Scammers prey on people up against the January 31 deadline as well as those who file well ahead of time. There’s good reason to file early, as this can put you first in line for a refund and also means you are less likely to be tricked by scammers targeting people closer to the deadline who are rushing and more susceptible to pressure tactics.
“But remember that if you are due anything, HMRC will not offer this by text message or email. You should claim any refund due using your online HMRC account or the official HMRC app.”
Customers can report phishing attempts to HMRC by forwarding emails to phishing@hmrc.gov.uk, reporting scam phone calls via GOV.UK, or forwarding suspicious texts to 60599.
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