Bank and card fraud
31 guides. Each explains one scam: how it works, an example, the red flags and the steps to take.
SIM Swap Bank FraudFraudsters get a duplicate SIM issued for your number, receive your bank OTPs and drain your…Net Banking Phishing Site ScamA link in an SMS or email opens a copy of your bank's login page that steals your user ID,…Bank KYC Update SMS ScamAn SMS says your bank KYC has expired and your account will be blocked today. The link or number…PAN Update Bank Account Block ScamA message says your PAN must be updated or your bank account and card will be blocked. The form…Credit Limit Increase Call ScamA caller offers to raise your credit card limit and asks for an OTP or card details. The OTP…EMI and Loan Waiver Call ScamA caller promises to waive your EMI, interest or part of your loan if you pay a fee or share an…Cheque Overpayment Refund ScamA buyer sends a cheque for more than the price and asks you to return the difference. The cheque…ATM Card Swap Helper ScamA 'helpful' stranger at an ATM watches your PIN and swaps your card for a similar one, then…ATM Skimmer and Hidden Camera ScamA hidden reader on an ATM slot copies your card, and a tiny camera records your PIN. Your account…Credit Card Reward Points APK ScamA message says your credit card reward points will expire today and links to an app. The app reads…Card Blocked Fake Executive Call ScamA caller says your debit or credit card has been blocked and offers to reactivate it, then asks…Instant Loan Processing Fee ScamA lender promises a quick loan with no paperwork, then asks for processing fees, insurance and…Pre-approved Loan SMS Link ScamAn SMS says you have a pre-approved bank loan and asks you to tap a link and log in. The page…Fake Bank App APK ScamA message tells you to update your bank's mobile app from a link. The file is a fake app that…Remote Access App Bank Support ScamA fake bank or refund agent asks you to install a screen-sharing app, then uses your banking apps…Debit Card Expiry and Replacement ScamA caller says your debit card is about to expire and a new one will be sent after you confirm…Fake Bank Customer Care Number ScamA planted number in search results or maps poses as bank customer care. Calling it gets you a…Fixed Deposit Premature Closure ScamA caller says your fixed deposit has matured or can earn extra interest if you act now, and asks…Dormant Account Reactivation ScamA message says your unused bank account will be closed unless you reactivate it through a link.…Salary Account Upgrade ScamA caller offers a free upgrade of your salary account with a premium card and benefits, and asks…Safe Account Transfer Fraud Alert ScamA caller says your account is under attack and asks you to move your savings to a 'safe account'…Fake Bank Statement PDF ScamAn email or message sends a bank statement or credit card bill as a file or link. Opening it…International Transaction Alert ScamA message says your card was used abroad for a large payment and gives a number to call. The…Bank Nominee Update ScamA message or call says nominee details are missing and your account will be frozen. The form or…Annual Fee and Bank Charges Refund ScamA caller says the bank charged you extra fees and will refund them if you share an OTP or open a…RBI Compensation and Unclaimed Money ScamA message claims RBI or a bank owes you compensation or unclaimed money and asks for a fee, tax or…Cash Deposit Machine Fake Receipt ScamA buyer shows a cash-deposit receipt or screenshot as proof of payment, but the money never…Credit Card EMI Conversion ScamA caller says your large card bill can be turned into zero-cost EMI and asks for an OTP, which…Fake Loan Recovery Agent ScamCallers threaten to shame you or message your contacts unless you pay a loan, sometimes one you…Bank Account Rental Mule ScamA stranger offers commission to let your bank account receive and forward money. The funds are…Insurance Policy Revival and Claim Call ScamA caller says your old insurance policy has a bonus or can be revived, then asks for fees or an…
Five habits that help with any of these
- Never share an OTP, UPI PIN, card PIN or CVV with anyone, including someone who says they are from the bank.
- Do not tap links in unexpected messages; open the official app or type the website yourself.
- Call back on the number printed on your card, bill or official app, not the one that contacted you.
- Be careful when someone creates a deadline or asks you to keep the matter secret.
- If money has moved, call 1930 at once and report at cybercrime.gov.in; the first hours matter most.
Check it before you tap or pay
Safeavio Sentinel is a made-in-India Android app: paste a message or link, or scan a QR code, and get a plain verdict with the reasons. It helps you spot a scam; it does not promise to stop every one.
Download for AndroidWhat the app does
Google Play listing: coming soon. Today the signed APK is on safeavio.com/download. Android 7.0 or later.