Parents and friends are being targeted by fraudsters using WhatsApp and text messages to impersonate loved ones in urgent need. Criminals often claim the sender has lost their phone and cannot access their bank account, pressing recipients to transfer money swiftly.

The scams are growing more convincing, with AI voice impersonation now used to create fake voice notes. Scammers may pose as children, friends, or even parents, and typically request payments to unfamiliar accounts.

They discourage verification and apply pressure, asking for help with rent, phone replacements, or emergency bills. Santander reports that fraudsters impersonating sons are the most successful, followed by daughters and mothers.

Experts advise contacting the supposed sender directly and establishing a family password to confirm identities in future. Victims who transfer money should alert their bank immediately, report the scam through messaging apps or to Action Fraud.

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