Why this matters
Invoice and payment redirection fraud targets a moment you don't expect: paying a bill or invoice you were genuinely waiting for. The fraudster steps into a real transaction and quietly swaps the bank details, so your payment lands in their account instead of the intended one.
It hits individuals paying tradespeople, landlords, or suppliers — and businesses of every size. Because the invoice itself looks legitimate, the only reliable defence is verifying the account details before you pay.
How it works
The fraudster gets in the middle. They intercept email (often after hacking one party's inbox) or impersonate a supplier, landlord, or contact you're expecting to pay.
They change the details. You receive what looks like a real invoice or a message saying the bank account has "changed."
You pay the new account — which belongs to the fraudster.
The money moves on before anyone notices the mistake.
Warning signs
A message that the bank details have changed, especially close to a due date.
A new account name or number for a supplier or person you've paid before.
Slight differences in the sender's email address or in the invoice formatting.
Pressure to pay quickly, or a "final reminder" tone.
Contact details on the invoice that differ from what you usually use.
How to protect yourself
Always verify changed bank details by contacting the supplier or person directly — using a phone number you already have, not one from the new invoice or email.
Treat "account changed" messages as suspicious until confirmed by voice or another trusted channel.
Check the sender's address carefully for small alterations.
Pay a small test amount first for large or first-time payments, and confirm receipt before sending the rest.
Slow down near deadlines — urgency is exactly when these scams succeed.
What it looks like in practice
You're expecting to pay a contractor. An email arrives from their address: "Quick note — we've switched banks, please use the new account details below for this invoice." The email is real-looking, the amount is correct, only the account is different. A 30-second phone call to the contractor's known number reveals they never sent it.
What to do if you paid the wrong account
Contact us immediately through the 24/7 in-app support chat — the sooner we know, the better the chance of stopping the funds.
Contact the genuine supplier or person to alert them (their systems or email may be compromised).
Keep the invoice and messages as evidence.
Report it so we can investigate and help protect others.
→ See: I Think I've Been Scammed: Immediate Steps