PEOPLE are being warned to look out for scam text messages claiming to fine them for going outside during lockdown.

Trade association UK Finance has revealed that criminals taking advantage of the coronavirus by sending out fake messages which appear to be from legitimate organisations such as banks or government departments.

The texts, known as 'smishing' messages, encourage people to reveal their personal details or hand over money by claiming that the person has been fined for going outside.

Other messages received have stated that the recipient is due to a government payment because of the coronavirus.

Criminals also use a technique called 'spoofing' to make the message seem more genuine, whereby messages are inserted into a chain with those from legitimate organisations.

Katy Worobec, managing director of economic crime, UK Finance, said: "Criminals are callously exploiting the coronavirus outbreak to commit fraud, including using scam text messages imitating government departments, banks and other trusted organisations.

"We are urging consumers to remain vigilant and avoid clicking on links in any unsolicited text messages in case it's a scam.

"It's always safe to log into your bank account directly or contact the organisation on a trusted number or email such as the one of their official website.

"Always follow the advice of the Take Five to Stop Fraud campaign and take a moment to stop and think before parting with your money or information.

"If you receive a suspicious text message, report it to your network provider by forwarding it to 7726."