Identity theft isn’t a one-size-fits-all crime. It takes many forms, each with different tactics, targets, and consequences. Knowing the types of fraud that exist is the first step toward protecting yourself and your business.
At CyberHeroes, we’re committed to helping you stay one step ahead. Here are 20 common types of identity theft and fraud to watch out for in 2025.
1. Financial Identity Theft
Stealing personal data to access or open bank accounts, apply for credit, or take out loans in your name.
2. Credit Card Fraud
Using stolen card details for unauthorized purchases. Often tied to data breaches or skimming devices.
3. Tax Identity Theft
Filing false tax returns using someone else’s National Insurance number to claim refunds fraudulently.
4. Medical Identity Theft
Using someone’s identity to receive medical services or prescriptions, potentially corrupting their health records.
5. Employment Fraud
Using fake or stolen identities to gain employment, often impacting the victim’s tax records and benefits.
6. Synthetic Identity Fraud
Combining real and fake information (e.g., a stolen NI number with a fake name) to create a new identity for fraud.
7. Child Identity Theft
Targeting children’s unused NI numbers and identities to open accounts or apply for services.
8. Account Takeover Fraud
Hijacking a user’s account—email, banking, or social media—by stealing login credentials.
9. SIM Swap Fraud
Scammers take control of your mobile number to intercept texts and bypass two-factor authentication.
10. Loan Fraud
Applying for payday or personal loans using another person’s details.
11. Social Security/NI Number Theft
Used to commit benefit fraud, open bank accounts, or gain employment illegally.
12. Utility Fraud
Opening utility accounts like electricity, water, or broadband in someone else’s name.
13. Social Media Impersonation
Cloning social profiles to scam followers or spread malware.
14. Romance Fraud
Building trust through online relationships to manipulate victims into sending money or personal data.
15. Government Benefits Fraud
Illegally claiming Universal Credit or other public assistance using someone else’s information.
16. Insurance Fraud
Using someone’s identity to file false insurance claims or receive unauthorised payouts.
17. Mortgage or Rental Fraud
Using stolen details to rent property or apply for mortgages without the victim’s knowledge.
18. Business Identity Theft
Stealing company credentials to open credit lines, impersonate executives, or commit invoice fraud.
19. Fake Job or Recruitment Scams
Scammers pose as recruiters and gather personal details under the guise of job offers.
20. Phishing and Smishing Attacks
Fraudulent emails (phishing) or texts (smishing) that trick users into revealing personal information.
Stay Safe with CyberHeroes
Recognising the threat is just the beginning. CyberHeroes offers:
- Fraud prevention audits
- Personal and organisational cyber hygiene training
- Crisis response and recovery services
If you suspect you’ve been targeted by any of these frauds, get in touch with us today for expert assistance and peace of mind.
