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Registered office Chinaworks, London, SE1 7SJ
Registered number 06982557.

info@bigbrotherwatch.org.uk| Privacy Policy

Stop Bank Spying

Stop the Government from spying on all of our bank accounts

TAKE ACTION

UPDATE: After years of tireless campaigning, we secured vital legal protections that ensure people flagged by the government’s mass bank-spying powers cannot be automatically judged guilty by an algorithm.

While the mass bank spying powers are law, the situation could have been much worse. Going forward, we will monitor the situation closely and continue with our longer-term investigation uncovering the Government’s use of secretive algorithms shaping the welfare system and disadvantaging society’s poorest.

Take action now

  1. OVERVIEW
  2. PETITION
  3. 5 ISSUES
  4. TAKE ACTION
  5. BRIEFINGS
  6. IN THE MEDIA

Sir Keir Starmer resurrected powers to spy on all of our bank accounts on the premise of dealing with welfare fraud and error which we defeated under the previous government.

The powers will force our banks to spy on us and report back to the DWP if it appears you have received an overpayment of benefits - whether due to fraud or error - based on secret criteria. They are not fit for a democracy and risk giving rise to horizon-style injustices for hundreds of thousands of people.

While these powers are set to become law, Big Brother Watch raised the alarm at every stage of the passage of the bank spying bill:

  • 242,290 people signed our petition on this and we handed it in to both Number 10 Downing Street and the DWP.

  • We presented evidence before the bill committee, briefed MPs, and coordinated a huge civil society opposition to the powers.

  • We secured legal protections to ensure that anyone flagged by these mass surveillance powers can't automatically be treated as guilty of wrongdoing, preventing automated robo-debt style scandals.

Big Brother Watch will keep a close eye on the new surveillance powers as they come into force and continue to recommend changes as the government considers its own code of practice. 

Find out how the new mass bank spying powers work and how they could impact you.

  1. OVERVIEW
  2. PETITION
  3. 5 ISSUES
  4. TAKE ACTION
  5. BRIEFINGS
  6. IN THE MEDIA

PETITION

A huge thank you to 242,290 of who signed our petition calling on the Government to stop bank spying. It is down to each and every one of you and our supporters that we were able to defeat these powers under the previous government and build a strong resistance in the media and Parliament when they were resurrected by the Labour government.

petition graphic with link to sign the petition

  1. OVERVIEW
  2. PETITION
  3. 5 ISSUES
  4. TAKE ACTION
  5. BRIEFINGS
  6. IN THE MEDIA

5 Key Issues

1. Violates privacy

The proposed bank spying powers would force third party organisations to trawl all customers’ accounts in search of “matching accounts”.

More info

It would allow the Government’s Department for Work and Pensions (DWP) to access the personal data of welfare recipients by requiring the third party served with a notice – such as a bank, building society or online marketplace - to conduct mass monitoring without suspicion of fraudulent activity. In order to do this, the bank will have to process the data of all bank account holders and conduct mass scanning according to secret search criteria supplied by the DWP.

2. Undermines the presumption of innocence

The mass suspicionless nature of the Government’s proposed new powers mean that they seriously threaten the presumption of innocence; the democratic principle that you shouldn't be spied on unless police suspect you of wrongdoing.

More info

The government should not intrude on the privacy of anyone’s bank account in this country without very good reason and a strong legal justification, whether a person is receiving benefits or not. People who are disabled, sick, carers, looking for work, or indeed linked to any of those people should not be treated like criminals by default.

3. Impacts society's most vulnerable

The new powers would impact some of the poorest people in our society.

More info

This would mean that people with disabilities or long-term illnesses, carers, or even elderly people relying on pensions would be subject to their private financial data being pre-emptively intruded on by banks and other private companies they engage with. Their accounts could then potentially examined by the government without their knowledge putting them at risk of consequential harms.

4. Unnecessary

It is right that fraudulent uses of public money are robustly dealt with and the government already has significant powers to review the bank statements of fraud suspects under existing laws.

More info

Under current rules, DWP can request bank account holders’ bank transaction details as and when needed" because even without suspicion of fraud, DWP can ask for bank statements (e.g. to evaluate or re-evaluate a claim).

5. Disproportionate and ineffective

The Government's own analysis shows that, if it works as hoped, this unprecedented bank intrusion is expected to generate approx. £250m net annual revenue – this would be mean recovering less than 1/34th or less than 3% of the estimated annual loss to fraud and error (the 'best estimate' is still only £320m).

Take Action

1

Become a Big Brother Watch supporter

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2

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3

Dive into our investigation

Learn about our investigation through an interactive article offering a glimpse into life inside the UK’s poverty panopticon.

Read article

  1. OVERVIEW
  2. PETITION
  3. 5 ISSUES
  4. TAKE ACTION
  5. BRIEFINGS
  6. IN THE MEDIA

BRIEFINGS

Big Brother Watch briefing on the Public Authorities Fraud, Error and Recovery Bill Briefing for Second Reading in the House of Lords
  1. OVERVIEW
  2. PETITION
  3. 5 ISSUES
  4. TAKE ACTION
  5. BRIEFINGS
  6. IN THE MEDIA

IN THE MEDIA

Winvisible campaigner holding sign: DWP stop snooping on the poor

What do the Government’s bank spying powers mean for me?

December 15, 2025

Lowgate Post Office, Hull

Big Issue – UK faces another Post Office Horizon scandal unless plans to snoop on benefit claimants are stopped

October 25, 2025

Winvisible campaigner holding sign: DWP stop snooping on the poor

The Independent – Charities warn vulnerable people at risk from government bank spying powers

October 16, 2025

Independent – New ‘bank spying’ bill is “unprecedented”, campaigners say

July 29, 2025

nationwide building society

The Telegraph – Civil servants to be handed powers to snoop on bank accounts

June 16, 2025

Queen Elizabeth on currency note

Computer Weekly – Experts say mass bank spying powers target the poor

May 21, 2025

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