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A text message from your bank? Be careful, this could be a scam!

Written by hana

At any time you can receive an SMS that appears to be from your bank. But is this really the case? What if it’s more than a scam? Let’s see this more closely.

Fraudulent SMS, beware of bank scams

Receive and read SMS

Receive and read SMS. Source: spm

How often do we receive SMS messages from our bank each year? Oftentimes, in fact. The transfer has been processed, the update to be made, a new commercial offer … but, When do you think it might be a fraudulent text message?

In fact, anyone with a phone number is likely to be a victim of such SMS fraud. The fraudulent technique is based on a fairly simple principle: send a text message, which is supposed to come from your bank, contains a link (Web address) on the mobile phones of individuals, with the aim of emptying their bank accounts.

Despite its prevalence, SMS scam remains unknown, especially by the elderly or people who are not familiar with digital technologies.

SMS Scam: Fraud Technical Details

A woman received a questionable text message

A woman received a questionable text message. Source: spm

This is how the scam works: First, an anonymous sender sends a text message to his victim’s phone and invites him to click on a link that redirects to a web page he’s supposed to visit. A gesture to be avoided! This link includes a virus that instantly sneaks into your smartphone. If you have a banking application, This virus or malware is allowedra Hackers to gain access to a fileis being bank account and to me empty it. In fact, the latter aims to collect all your contact data as soon as you access your online bank account. Finally, to deceive their victims a little more, these hackers usurp the identity of one of their banks.

SMS Banking Scams: A wake-up call

In 2019, the late Serge Maitre, former president of the AFUB (French Association of Bank Users), called on the French to be more vigilant on this subject, stating that it was “the second subject of complaint and denunciation”. received at that time.

Furthermore, according to our colleagues at RTL, More than 61,000 scam messages It was registered by the French authorities between March and October 2019. A character that sends chills down your spine!

Reactions to follow to protect yourself from SMS banking scams

How do you protect against these malicious acts? Here are some tips and reactions to adopt.

  • If you receive an SMS with a link, do not rush to click on it directly: carefully examine its source and contact your banking institution to confirm the information received.
  • If the message contains spelling or grammatical errors or lacks arguments, that’s a bad sign!
  • Always take the time to analyze the reasons for sending such SMS.
  • If the sender asks you to provide your passwords, file a complaint with the police. this work, The bank never asked for it Connect this kind ofInformation by email or SMS.
  • We can never repeat it enough: check the information received by accessing the official website of your bank or by contacting it directly by phone. This way, you can be sure that it is not a scam.

Finally, scammers target many phone numbers and children or elderly people may receive SMS messages. So it is important Talk to your loved ones about it and let them know about it.

And there you have it, if you only have to adopt one reaction when you get a questionable text message, it should be the following: Never click on a link before checking with your bank!

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hana

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