“Please note, where you have already authorised any payments that we must pay, this may result in your account balance falling into an Unarranged Overdraft position.”

Santander responded to the customer to confirm that they were scam emails, and asked her to send them on to phishing@santander.co.uk to be investigated.

She said in reply: “Wow really?!! It looks so legit!!”

Santander was recently contacted about a scam text, asking for someone to confirm a standing order that had been set up, including a link.