International Transaction Alert Scam on WhatsApp

How it looks on WhatsApp, the red flags and what to do.

WhatsApp is private and fast, which scammers like: a "wrong number" chat can turn into a task, an investment tip or a payment request within minutes. International Transaction Alert Scam is one of the ways this shows up: A message says your card was used abroad for a large payment and gives a number to call. The 'dispute desk' asks for your OTP or card details.

What international transaction alert scam looks like on WhatsApp

• A group invite promising returns, jobs or prizes.
• A PDF, APK or image that must be opened to "see the details".
• A link that pretends to be a wa.me, courier or bank page.

The scammer sends a message that looks like an alert from a bank, with a made-up amount in a foreign currency and a merchant name that sounds real. It does not use your name. It says that the transaction will be completed in a short time unless you call or reply. A number or link is given for the 'dispute team' to stop it.

Red flags to check on the WhatsApp message

• An SMS about a foreign payment gives a number to call.
• The alert does not use your name or last card digits.
• The caller asks for card details and an OTP to 'cancel' it.
• You are told that hanging up lets the payment go through.
• You are added to a group full of people praising profits.
• The sender moves you quickly to Telegram or to a second app.

What to do

1. Do not call the number in the SMS.
2. Check recent transactions in your bank's official app.
3. Call your bank on the number on the back of your card if you are worried.
4. If it was a "friend", call them on the number you already have and ask.
5. Turn on two-step verification in WhatsApp settings so a stolen SMS code is not enough.
6. Warn the group or family, and report the number on Sanchar Saathi if it is a scam call or message.

Inside WhatsApp use Block and report; for numbers that call or text you, the Sanchar Saathi portal (Chakshu facility) also takes complaints.

If money or a code is already gone

1. Call your bank on the number on your card and block the card at once.
2. Call 1930 and give the transaction time and amount.
3. Uninstall any support app you installed and change banking passwords.
4. Report at https://cybercrime.gov.in with the SMS and call details.

National Cyber Crime Helpline: 1930; report at cybercrime.gov.in.

Safeavio's scam check reviews the SMS you paste and shows reasons such as urgency, a money alarm and OTP asks, and Money Shield reminds you that no one needs your OTP to cancel a payment. It does not read your messages on its own and cannot tell whether a real charge exists, so check your bank's app and call the number on your card.

Full guide: International Transaction Alert Scam: how it works, signs and what to do. Other channels: SMS, phone call, email.

Questions