High riskEmail Scams

Bank Statement Email Scam

This scam emails a fake 'your e-statement is ready' or 'review your statement' notice impersonating your bank, linking to a fake login page that captures your online banking credentials.

Quick verdict

Risk level
High risk
Scam type
Bank impersonation phishing
Main red flag
A bank email linking you to log in to 'view your statement'.
What to do first
Do not use the link. Log in only through your bank's official app or website.

What this scam usually looks like

This scam emails a fake 'your e-statement is ready' or 'review your statement' notice impersonating your bank, linking to a fake login page that captures your online banking credentials.

Example message pattern

Example pattern — not a real report
Example pattern: 'Your monthly e-statement is now available. Log in to review your account activity and avoid suspension of paperless billing: [suspicious link]'

This is a fictional, anonymised example used to illustrate the pattern. It is not a verified real message, and any names are used only to show how the scam typically reads.

Red flags to watch for

  • A statement notice that links you to log in
  • A login page whose address is not your bank
  • A generic greeting with no partial account number
  • A threat about losing paperless billing or access
  • Branding that is close but slightly off

What to do

  • Log in only through your bank's official app or website you type yourself
  • Check statements within your genuine account
  • Report the email as phishing to your bank and delete it
  • Enable two-factor authentication on your banking

If you already clicked or replied

  • If you entered your banking login, contact your bank immediately
  • Change your online banking password from a trusted device
  • Review transactions for anything you did not make
  • Watch for follow-up calls posing as your bank

What not to do

  • Do not log in through links in statement emails
  • Do not share banking codes or passwords
  • Do not call numbers provided in the email

Similar scams

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This scam sends an email claiming your PayPal account is limited or shows unusual activity, urging you to 'confirm' your details through a link that leads to a fake login page designed to steal your password.
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This scam sends a fake Microsoft or Outlook email about an unusual sign-in or an account about to be closed, linking to a fake Microsoft login page that captures your email and password.
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Bank Impersonation Phone Scam

In this scam a caller pretends to be your bank's fraud team, claims your account is under attack, and pressures you to move money to a 'safe account', read out one-time codes, or grant remote access so they can steal your funds.

Frequently asked questions

Does my bank email me a link to log in?
Banks may notify you that a statement is ready, but you should always log in through the official app or website directly, not via a link in the email.
The email looked official. How can I tell?
Check the sender and avoid the link. Genuine statements are accessible by logging in to your real account, where you can confirm any notice.
I entered my banking details. What now?
Contact your bank immediately, change your password from a trusted device, review transactions, and watch for follow-up impersonation calls.
How do I read my statement safely?
Open your bank's official app or type its web address yourself, and view statements within your account.

Last reviewed: June 2026

Disclaimer: This page provides educational information only to help you recognise common scam patterns. It is not legal, financial, cybersecurity, or law enforcement advice, and it does not confirm whether any specific message, company, or person is genuine or fraudulent. When in doubt, contact the official organisation directly and report concerns to your local authorities.