What's happened
Fraudsters in the UK are increasingly using 'Hi Mum' or 'Hi Dad' text scams to trick victims into transferring money. Between 2023 and 2025, these scams resulted in losses of £226,744. Experts warn that the scams are evolving, utilizing AI technology to enhance their deception.
What's behind the headline?
Understanding the 'Hi Mum' Scam
- Nature of the Scam: The scam typically starts with a text message from an unknown number, claiming to be a family member in distress. The sender often states they have lost their phone and need urgent financial assistance.
- Evolving Tactics: Fraudsters are now employing AI voice impersonation technology, making their requests seem more legitimate. This evolution in tactics raises concerns about the effectiveness of traditional verification methods.
- Psychological Manipulation: The urgency and emotional appeal of these messages exploit the recipient's concern for their loved ones, making them more likely to comply without verifying the request.
- Preventive Measures: Experts recommend setting up family passwords and verifying requests through direct communication. The introduction of the 159 service by banks aims to provide a quick verification method for suspicious communications.
- Future Implications: As scams become more sophisticated, public awareness and education on recognizing and responding to such fraud will be crucial in mitigating risks.
What the papers say
According to The Independent, Action Fraud reported that 'Hi Mum' and 'Hi Dad' scam texts led to a total financial loss of £226,744 between 2023 and 2025. Chris Ainsley from Santander UK noted that these scams are evolving at 'breakneck speed,' with AI technology making them more realistic. The Guardian echoed these concerns, highlighting the psychological tactics used by scammers to pressure victims into quick decisions. Both sources emphasize the importance of verifying unexpected requests for money, suggesting that recipients should contact their loved ones directly using known numbers. Additionally, the introduction of the 159 service aims to enhance consumer protection against such scams.
How we got here
The rise of these scams coincides with a broader increase in digital fraud, particularly targeting vulnerable individuals. Action Fraud and Santander UK have reported significant financial losses attributed to these deceptive tactics, which often involve impersonating family members.
Go deeper
- What should I do if I receive a suspicious message?
- How can I protect myself from scams?
- What is the 159 service and how does it work?
Common question
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What are 'Hi Mum' scams and how can you protect yourself?
The rise of 'Hi Mum' scams in the UK has left many people wondering how these scams work and what steps they can take to protect themselves. With fraudsters increasingly using AI technology to enhance their deception, understanding these scams is crucial. Below, we answer common questions about 'Hi Mum' scams and provide tips for safeguarding your finances.
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