For Consumers

About the Safe Capital Membership Scheme

For Consumers / For Consumers

About the Safe Capital Membership Scheme

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If you've reached our website, it's probably because a business that you are a customer of (such as your law firm) is a Safe Capital member firm.

Safe Capital helps businesses to inform and educate their clients about the risks they face from criminals from common types of fraud, such as the threats posed from Email Modification and Friday Afternoon Fraud.


If you are involved in a legal transaction (especially if you are moving house) - be highly suspicious if you get an email, call or text that seems to be from your lawyer but is pressuring you to do something quickly. Especially if the sender/caller:

  • wants you to send them money urgently and is providing you with bank details - a law firm will never email you with a set of bank details
  • is telling you about a change in bank details - a law firm will never change its bank details during the course of a transaction.

Take the time to consider if this is a fraud attempt, and if you think it might be, contact your lawyer (using the contact details from your engagement letter) before doing anything else.

Ask your law firm about the risks you face from fraudsters, and how they can help protect you from the risks of Email Modification and Friday Afternoon Fraud. When choosing a law firm, remember to ask them if they are a Safe Capital member.

What is Friday Afternoon Fraud?

Friday Afternoon Fraud is where a criminal tries to redirect money being transferred between you and your lawyer to their own bank account instead. It’s called Friday Afternoon Fraud, because this type of fraud targets people who are moving house - with attempts mostly taking place on Friday afternoons - the most common time for property transactions to complete.

What is Email Modification Fraud?

Email Modification Fraud is when criminals intercept and make changes to emails between you and your lawyer, or else send entirely new emails that look like they came from either your lawyer or from you. The fraudster's objective is to fool the recipient into performing certain action - for example revealing sensitive information or transferring funds to a false bank account.

Criminals are experts at impersonating people, organisations and the police. They spend hours researching you for their scams, hoping you’ll let your guard down for just a moment.


Stop and think before parting with your money or information - taking a moment could keep you safe.


Could it be fake? It’s ok to reject, refuse or ignore any requests. Only criminals will try to rush or panic you.


Contact your bank immediately if you think you’ve fallen for a scam and report it to Action Fraud.