Practical warning signs when a caller or message claims there is fraud on your bank account and pushes you to act immediately.
Use the steps below to slow the situation down, separate the claim from the pressure around it and keep a clearer record of what you checked and what you decided to do next.
Be cautious with urgency and authority
A convincing caller may know your name or other details. That does not prove they are your bank.
Never move money because a caller says it must be made safe
Treat instructions to transfer funds to a new or safe account as a major warning sign.
Do not share security codes
One-time codes, passwords and app approval prompts can authorise access or payments. Do not give them to a caller or type them into a site reached through an unexpected message.
End the contact and verify separately
Use the bank app, a number on your card or another contact route you trust. Do not depend on a number provided by the caller.
Practical checklist
Quick checklist
- Be cautious with urgency and authority
- Never move money because a caller says it must be made safe
- Do not share security codes
- End the contact and verify separately