The fake adviser
This trap steals nothing: it makes you carry out the transaction yourself. Someone presents themselves as your bank or a public body, invents an immediate danger, and guides you step by step towards a transfer you authorise with your own hand.
The bait
Fear, with one sentence that puts the pressure on: your account is under attack, you have to act now.
The signs
None is proof on its own. One is enough to stop.
- The urgency: you are asked to act within the minute, never to call back once you are calm
- You are asked to carry out the operation yourself, because that way you are the one who authorised it
- They know true details about you, which proves nothing: those details circulate
- You are asked for a code received by message, or to approve a notification you did not trigger
- You are asked to keep it from the people around you or from your own branch
The reflex, in this order
- Hang up. An institution loses nothing by being called back.
- Call back yourself, using the number on your own official document or on the back of your card, never the one you have just been given.
- Give out no code received by message: a code authorises an operation, it never cancels one.
- Approve no notification you did not trigger yourself.
- Write down the time, the number displayed and what was asked: it will be useful if you have to report it.
If it has already happened
Nobody gets caught out of stupidity: these traps are built to work. What matters now is the order of the steps.
- Have the payment methods involved blocked, straight away, through your usual channel.
- Report it to your bank in writing: the written record is what makes the difference in a dispute.
- Report it to the competent authority in your country: the Your country page says where to look.
- Change the access codes involved, from a device you know is clean.
Who is targeted
- Adults
- Parents, teachers, carers
This page describes the trap so that it can be recognised. It deliberately gives no script, no message template and no tool: enough to defend yourself, never enough to run it again.