OTP Scam

A scam that tries to get the one-time passcode that protects your account, so the scammer can log in or approve a payment.

How it appears in scam messages

OTP scams trick you into sharing a one-time code so a scammer can log in or approve a payment. The code is sent to you and is for you alone - any request to share it is a scam.

Example only - do not act on it

Example only: Share the 6-digit code we just sent to confirm it's you: [code removed]

Why it matters

An OTP is the last lock on your account; sharing it hands over access.

Common red flags

Unexpected contact creating urgency or fear
Requests for codes, passwords, payment, or personal details
Links or attachments you did not expect
Sender or domain that does not match the real organisation

Safe next steps

Stop and verify through official channels you find yourself
Never share codes, passwords, or card details from a message
Use the message checker if you are unsure
Report and block the sender

Check a suspicious message

See the red flags in a real message and what to do next.

Check a message

Account takeoverWhen a scammer gains control of one of your accounts, often using a stolen password plus a tricked one-time code.

Related scam messages you can check

Related scam-type hubs

Related red flags

Emergency guides

Frequently asked questions

How can I avoid otp scam?

Slow down, never act on urgency, and verify through official apps or websites you open yourself. Use the free checker if a message seems off.

What if I have already been affected?

Contact your bank or the relevant provider through official channels, change any exposed passwords from a trusted device, and save evidence. See our recovery guides.