Warning signs
Urgency
Messages that say you must act now or lose money or access.
Secret codes
Real organizations never ask you to read out a one-time code.
Unexpected contact
Calls, texts or emails you did not ask for.
Odd payments
Gift cards, wire transfers or crypto to "fix" a problem.
Remote access
Pressure to install software that lets someone control your device.
Look-alike addresses
Websites or emails with small spelling changes.
If you get a suspicious message or call
Stop
Do not click links, call back numbers in the message or share anything.
Hang up or ignore
You can end a call at any time without explanation.
Verify independently
Contact the organization using details from its official website, app or your card.
Report it
Report scams to your national consumer protection or fraud agency.
Questions
How can I check if a phone number is genuine?
Compare it with the number on the company's official website or on the back of your card. Be wary of numbers from ads or search snippets.
What if I already shared details?
Change your passwords right away and contact your bank or card issuer using the number on your card. Report the scam to the relevant authorities.