Helping an older relative avoid scams
Anyone can be scammed, but criminals deliberately target older people, especially those living alone. A few kind, practical steps can make a big difference without taking away anyone's independence.
Start with a conversation, not a lecture
- Share a story about a scam you or a friend nearly fell for. It makes it normal to talk about.
- Agree that it's always OK to hang up on anyone, even someone who sounds official, and to call you first before paying anyone or sharing details.
- Reassure them they'll never be told off or embarrassed for asking. Shame is what keeps victims silent.
Three rules to stick by the phone
Print this out and stick it near their phone:
- My bank and the police will never ask me to move money, hand over my card, or tell them my PIN.
- If I'm unsure, I hang up and call 159, or call my family on a number I know.
- I never let a caller onto my computer and never buy gift cards to pay anyone.
Practical protections to set up together
- Call blocking: ask their phone provider about free scam-call blocking, or use a call-blocking phone. Register with the Telephone Preference Service to cut down sales calls.
- Bank alerts and limits: turn on text or app alerts for payments, and ask the bank about lower daily limits or extra checks on large payments.
- Trusted contact: some banks let you name a trusted person they can contact if they're worried about unusual activity. Ask their bank.
- Doorstep safety: a door chain or video doorbell, and a "no cold callers" sticker. Genuine utility staff carry ID and won't mind waiting while you call to check.
- Devices: turn on automatic updates and set up a password manager or written password book kept somewhere safe at home.
Signs someone may be being scammed
- Unusual secrecy about phone calls, post or a new "friend" online
- Lots of post about prize draws, lotteries or "investments"
- Large or repeated cash withdrawals, or buying gift cards
- New, unexplained purchases, or unpaid bills despite having enough money
- Workers who keep returning for more repairs at high prices
- Worry, distraction or changes in mood after calls
If it's already happened
Stay calm and kind. Help them call their bank on 159 and follow our step-by-step help. Victims who are blamed are much less likely to speak up next time.
If you're helping with someone's money long term, a Lasting Power of Attorney gives a trusted person legal authority to manage finances. Ask their bank about third-party access instead of sharing their passwords or PIN. Age UK on 0800 169 6565 can offer more support.
Last reviewed: October 2026