Santander UK has issued an urgent warning to consumers following a dramatic surge in fraudulent pet purchase scams, with criminals stealing nearly £160,000 from victims in the first quarter of 2026 alone. The bank's latest "scamtracker" data reveals a sharp increase in losses from authorised push payment (APP) scams linked to fake animal advertisements on social media and various online platforms.
Alarming Rise in Pet Scam Losses
The £160,000 figure for January to March 2026 represents a significant escalation from the £29,735 reported stolen due to pet scams in the final quarter of 2025. These deceptive schemes now constitute the second-largest category of purchase scams, only behind vehicle-related fraud. Overall, purchase scams resulted in over £3.4 million in losses during the same period, highlighting a widespread issue.
How the Scams Operate
Fraudsters typically lure victims with appealing adverts for a wide range of animals, from highly desirable breeds like miniature dachshunds and cockapoo puppies to parrots, reptiles, fish, and even horses. Once contact is made, scammers demand upfront deposits, fees for pet delivery, or payments for fabricated veterinary bills and immunisations. Santander's analysis indicates that women and individuals aged 46 and over are particularly vulnerable to these tactics.
Expert Advice from Santander
Chris Ainsley, head of fraud risk management at Santander UK, emphasised the importance of vigilance. "If 2026 is the year you plan to welcome a furry, feathered or even scaly companion into your home, it's vital to do your homework," he stated. "Always research the seller carefully and choose reputable sources. Taking these steps won't just protect your finances – it also helps ensure your new pet has come from a safe, and responsible environment."
How to Protect Yourself from Pet Scams
Santander UK provides several key recommendations to help consumers avoid falling victim to these scams:
- Be wary of social media adverts: This is a common platform for criminals to post fake pet listings.
- Conduct thorough background checks: Research the seller and use reverse image searches on photos to verify if the animal has been advertised elsewhere.
- Insist on seeing the animal in person: An in-person visit before any commitment is the best way to confirm the pet's existence.
- Avoid large upfront payments: Exercise caution with deposits and be sceptical of requests to cover vet bills or delivery fees prematurely.
The bank's warning underscores the growing sophistication of online fraud, urging the public to remain cautious and informed when making purchases, especially for living animals.
