Someone calls and introduces themselves as an employee of your bank's security team. They sound confident, know your name and sometimes even the last digits of your card. They say there is a suspicious transaction on your card, someone is trying to take your money, and it must be stopped “right now”.
Then comes the real request: read out the code from an SMS, confirm the full card number and the three digits on the back, move money to a “safe account” or install a “protection app”. The moment you share the code, the scammer uses it to approve a payment in your name and the money is gone.
The number on your screen may look like the bank's — caller numbers can be spoofed. Urgency, fear and “don't tell anyone” are the main tools of this scheme.
- A bank will never ask for an SMS code, PIN, CVV or full card number over the phone.
- In doubt? Hang up and call your bank yourself using the number on the back of your card.
- Never move money to a “safe account” — no such thing exists.
- Never install an app because a caller told you to.
- Already shared a code? Call your bank immediately to block the card, then contact the police (102).
Tell us — let's protect others.