Dear Which?,A text message claiming to be from my bank, Santander, asked if I recognised a transaction. I was starting to get suspicious now, so I said again I’d check later. Bank impersonation scamsDon't be fooled into thinking it can be easy to spot a bank impersonation scam, as they can be incredibly sophisticated. Contact your bank immediately if you believe you have lost any money to a scam or if you believe the scammer could have access to your account. You should also report the scam to Action Fraud or call the police on 101 if you live in Scotland.