Santander issues pet scam warning after surge in reports
Pet scams have increased significantly in recent months, with a major bank revealing nearly £160,000 was stolen from customers in the first quarter of this year alone.
Santander UK’s ‘scam’ data shows a sharp increase in losses from authorized instant payment (APP) scams relating to pet sales advertised on social media and online platforms.
Between January and March 2026, the figure of £160,000 represents a significant jump from the £29,735 reported stolen through pet scams in the final quarter of 2025.
These fraudulent schemes now make up the second largest category of purchase frauds, behind only vehicle-related frauds, contributing to a total loss of more than £3.4 million in purchase frauds over the same period.
Scammers often ask for an upfront deposit, pet delivery fee, or payment for vet bills and vaccinations.
Victims were lured in by a wide range of animals, from popular breeds such as miniature dachshund and Cockapoo puppies to parrots, reptiles, fish and even horses.
The bank’s analysis shows that women and individuals aged 46 and over are particularly vulnerable to these deceptive practices.
Chris Ainsley, head of fraud risk management at Santander UK, said: “If 2026 is the year you’re planning to invite a furry, feathered or even scaly friend into your home, it’s vital you do your homework.
“Always research the seller carefully and choose reputable sources. Taking these steps will not only protect your finances, but will also help you make sure your new pet comes from a safe and responsible environment.”
How to avoid pet scams
Here are some tips from Santander UK to prevent pet scams:
- Be wary of ads on social media; This is a common place for criminals to post fake pet ads.
- Research the background of the seller and the pet; Do a reverse image search on all photos to see if the animal is listed elsewhere.
- Ask to see the animal. An in-person visit before the procedure is the best way to confirm the animal’s presence.
- Be careful with down payments, avoid paying large deposits or covering vet bills.
