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The Department for Work and Pensions (DWP) has issued a nationwide warning to millions of benefit claimants as a new and highly convincing scam threatens to steal money directly from their bank accounts. Fraudsters are exploiting the Warm Home Discount Scheme, sending fake text messages designed to trick recipients into revealing their personal and financial details. The scam is particularly dangerous because it coincides with the official distribution of letters informing eligible households about the £150 energy bill discount.
The Scam Explained
Scammers are sending bogus text messages that claim you need to "apply" for the Warm Home Discount and that the £150 will be paid directly into your bank account. They often include a link to a fake government-looking website that asks for personal and banking information. The Department for Energy Security and Net-Zero (DESNZ) and the DWP have confirmed that these messages are fraudulent.
Key Fact: There is no need to apply for the Warm Home Discount in England or Wales. If you are eligible, the £150 discount will be automatically applied to your electricity bill by your energy supplier between October and December. You will receive an official letter, not a text message, confirming your eligibility.
Warning Signs: Be highly suspicious of any unsolicited text message or email about the Warm Home Discount. Scammers often use pressure tactics, such as claiming there's a tight deadline to "claim" your money. They may also use poor grammar, spelling mistakes, or send the message from a standard mobile number. Official communications from the government or DWP will not ask you to share personal or financial details via text message.
Who Is Affected?
The scam targets people on six specific means-tested benefits who are eligible for the discount. The DWP and DESNZ are urging anyone on the following benefits to be extra vigilant:
- Universal Credit
- Income Support
- Income-based Jobseeker's Allowance
- Income-related Employment and Support Allowance
- Housing Benefit
- Pension Credit
While the Warm Home Discount is automatically given to those on Pension Credit Guarantee Credit, those on other qualifying benefits may still need to contact their energy supplier to get the discount if they don't receive the letter, but they will never be asked for bank details through a text or email.
How to Protect Yourself
If you receive a suspicious text message, do not click any links or respond. Follow these steps to protect yourself and others:
Delete the Message: Immediately delete the fraudulent text.
Report the Scam: You can report scam messages by forwarding them for free to 7726. This service helps mobile networks and law enforcement agencies investigate and shut down fraudulent numbers. You can also report phishing emails to report@phishing.gov.uk.
Check Official Sources: If you are unsure, check the official GOV.UK website or your Universal Credit online journal for information. Do not use phone numbers or links provided in the suspicious message.
For those concerned they may have fallen victim to a scam, contact your bank immediately and report the incident to Action Fraud, the UK’s national fraud reporting center.
