Bank impersonation scam
Quick answer
A scammer pretends to be your bank to make you reveal codes, move money, or share card details.
- Call the number on the back of your card or use your official banking app.
What it is
A scammer pretends to be your bank to make you reveal codes, move money, or share card details.
How it works
A message or call warns of suspicious activity and urges you to act fast, often pushing you toward a link, a code, or a 'safe account' transfer.
Red flags to watch for
- A request to move money to protect it
- A request for a one-time code
- A link to log in to online banking
- Pressure and secrecy
Example
A message says your account is at risk and asks you to confirm a code or move funds. This is risky because real banks never ask you to share codes or transfer your own money.
What not to do
- Do not move money
- Do not share codes
- Do not use links from the message
The safe next step
Call the number on the back of your card or use your official banking app.
Often seen on: SMS, Phone call, Email, WhatsApp.
Commonly targets: Bank customers.
How to verify safely
- Do not use links, phone numbers, QR codes, or email addresses from the suspicious message.
- Open the official app or website yourself - type the address manually.
- Call a contact you have saved, or the number printed on your bank card.
- If you are threatened or in immediate danger, contact local emergency services or police.
How to report it
Report to your bank immediately and to your national fraud authority.
Find official links for your country in the scam reporting directory.
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Frequently asked questions
What is a bank impersonation scam?
A scammer pretends to be your bank to make you reveal codes, move money, or share card details.
How can I avoid a bank impersonation scam?
Call the number on the back of your card or use your official banking app.
What should I do 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, and be wary of recovery scams that promise to get your money back for a fee.