RBI Compensation and Unclaimed Money Scam on WhatsApp

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

On WhatsApp the scammer can send images, voice notes, PDFs and APK files, and a friendly profile photo makes the first message feel safe. RBI Compensation and Unclaimed Money Scam is one of the ways this shows up: A message claims RBI or a bank owes you compensation or unclaimed money and asks for a fee, tax or account details to release it.

What rbi compensation and unclaimed money scam looks like on WhatsApp

• A message from an unknown number, often with a stock photo of a smiling person.
• A friend or relative asking for urgent money from a new number or a hacked account.
• A group invite promising returns, jobs or prizes.

The scammer makes a document with a logo, a stamp and a signature, and sends it by email or chat. It says that you are due a large sum, such as Rs 25 lakh, because of a banking error, a lapsed policy or a global fund. The document includes a case number and a contact person, which are made up, and tells you that a quick reply is needed.

Red flags to check on the WhatsApp message

• A large unexpected compensation or award is offered.
• A fee or tax is needed before payment.
• The message arrives by chat or free email, not through a bank.
• You are asked for ID and bank details in reply.
• A new number says it is someone you know and asks for money; call the real person on the old number first.
• You are added to a group full of people praising profits.

What to do

1. Do not reply and do not pay any fee.
2. Do not send your ID or bank details.
3. Ask your own bank about any claim through the number on your card.
4. Warn the group or family, and report the number on Sanchar Saathi if it is a scam call or message.
5. Do not click links or open files. Do not send money or codes.
6. Open the chat, tap the contact name and choose Block and report.

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 1930 and give the payment details.
2. Tell your bank on the number printed on your card or passbook.
3. Keep copies of what you sent and watch for accounts or loans in your name.
4. Report at https://cybercrime.gov.in with the documents and chat.

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

Safeavio's scam check works on the message you paste or share and shows plain reasons such as a prize or windfall claim, an advance fee and fake authority. Money Shield asks you to verify before paying a stranger. It cannot check whether an unclaimed deposit exists, so ask your own bank directly through official channels. Ask your bank. Use official channels.

Full guide: RBI Compensation and Unclaimed Money Scam: how it works, signs and what to do. Other channels: email, SMS, phone call.

Questions