Trust is central to social behavior. In interactions between
strangers some information about group affiliation is almost
always available. Despite this, how group information is
utilized to promote trust in interactions between strangers is
poorly understood. Here we addressed this through a two-stage
experiment where participants interacted with randomly
selected members of two arbitrary groups and learnt their
relative trustworthiness. Next, they interacted with four novel
individuals from these two groups. Two members, one from
each group, acted congruently with their group’s previous
behavior while the other two acted incongruently. While
participants readily learnt the group-level information in the
first phase, this was swiftly discounted in favor of information
about each individual partner’s actual behavior. We fit a
reinforcement learning model which included a bias term
capturing propensity to trust to the data from the first phase.
The bias term from the RL model predicted participants’ initial
behavior better than their expectations based on group
membership. Pro-social tendencies and individuating
information can overcome knowledge about group belonging.