Kent and Essex fraud officers have charged two men with conspiracy to commit fraud and money laundering.
The charges come following reports of courier fraud offences in Canterbury.
A police spokesman said: “Courier fraud is the name given to incidents where fraudsters attempt to trick victims into withdrawing sums of money with the intention of sending a courier to collect it from them.
“This is done either by the fraudsters pretending to be police or by impersonating your bank or building society. Police officers will never ask a member of the public to withdraw cash or send a courier to collect money or items from them.
“Any calls or requests from your bank should always be confirmed by contacting your bank or branch directly.
“Always use a phone that is different from the one you were called on and from which you hear a dial tone before dialling and use a number you have verified yourself from widely published sources.”
Samheel Baig, 39, Steven Forrest, 34, both from Lanarkshire in Scotland, are accused of conspiring to defraud elderly victims in March.
They have been remanded in custody and will appear at Medway Magistrates Court on July 10.