At ANNA we want to do everything we can to protect you from fraud and scams. The first step is helping you learn the tricks scammers use, and how to spot them. Here are some helpful tips to help protect your business from fraud.

Invoice fraud

Invoice fraud is where scammers send genuine looking invoices that look like they’re from one of your suppliers or customers. Scammers take over email addresses and intercept email conversations; you may get a genuine-looking email that tells you their bank details have changed or asks you to send money to a different bank account. You then send your funds to the fraudster’s account instead of to your supplier.

Impersonation scams

Impersonation scams are when scammers pretend to be from a bank or another trusted organisation such as HMRC, the FCA or the police. They are often referred to as Authorised Push Payment (APP) or bank transfer scams. This is because the victim believes they are making a legitimate payment to a trusted business and so they authorise the payment.

With impersonation scams, you may be pressured to make the payment straight away or threatened with legal action if you don’t pay up immediately. This is a tactic to get you to panic and make the payment without thinking things through.

Purchase scams

This is where scammers trick you into buying a product that doesn’t exist. Scammers usually sell items at discounted prices that are too good to be true – and sure enough, the products usually never arrive. These scammers often “sell” high-value items such as cars, electronic goods or luxury goods.

Scammers may ask you to pay a deposit to hold an expensive item upfront. Before parting with any money do some research – if it's too good to be true then it probably is. You can research a company on the government website. Also, make sure the website is genuine: sometimes scammers use websites that look like a legitimate platform, but when you take a closer look the website URL is wrong.

When ANNA will (and won’t) contact you

Some scams will start with people claiming to be from ANNA. So it’s worth knowing when we will and when we won’t contact you.

Be wary if you are asked to make a payment via an unusual payment method – you may not be able to get your money back.

ANNA will never contact you by phone, text or email to ask you to:

  • Move money to a safe account because your money is at risk

  • Provide ANNA access to your device to view or manage your accounts

  • Reveal your PIN or any other security details in relation to your account

We will also never text you with a link to make a payment

How to know it's really ANNA texting you

We use text messages because they’re a secure way to deliver sensitive information. But it’s important that you know when it’s really ANNA texting you, because fraudsters may try to contact you pretending they’re from ANNA. And they may even ‘spoof’ our number so it looks like the call or text is coming from us.

We want to make sure you know when ANNA will text you, and what we might text you about.

The text messages we might send you are:

From ANF (ANNA Financials)

  • One-time passwords for online card payments

From ANNA

  • A one-time code to confirm your mobile number during the onboarding process

  • Information regarding our service functionality. For example, if there’s going to be maintenance work over the weekend

  • We may ask you to do something within the ANNA app, like activating your card

There are certain text messages we never send:

  • We will never ask you to call us on a phone number

  • We will never ask you to install any software other than the ANNA Money app

  • We will never ask you to follow an external link that isn’t on the https://anna.money domain

Please bear all this in mind when you’re using ANNA. And remember that if you have any doubts, you can message us in the ANNA app 24/7, or email us on fraud@anna.money

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