SCAM GUIDE
Is this message really from my bank?
Be wary of any message saying your account is locked or has unusual activity and asking you to verify details through a link or by phone. Scammers copy bank names, and fake texts can appear in the same thread as real ones. Contact your bank using the number on your card or in its app.
Already shared details or sent money? Go to the response steps →Last reviewed · General information, not legal or financial advice. How we write these guides
What it looks like
“Unusual activity on your account. Verify your details now or your card will be locked.”Example wording
Warning signs
- A link asking you to sign in or “verify”
- A request for a one-time code, PIN or password
- Pressure to move money to a “safe account”
- A sender name or caller ID that looks right — it can be faked
Immediate steps and recovery
- Don’t tap links or share codes.
- Call your bank on the number on your card or in its official app.
Already shared details or sent money?
If you shared details or moved money, tell your bank immediately.- Report it to Scamwatch.
Where to report it
Use the independent contacts and official reporting routes in the help panel.
Already lost money or details? Read what to do if you’ve been scammed.
Bank impersonation texts and calls: common questions
Will my bank ask me to move money to a safe account?
No. A request to move your money to a “safe account” is a common sign of a bank impersonation scam. Hang up and call your bank on its official number.
The message appeared in my bank’s real text thread. Is it genuine?
Not necessarily. Scammers can spoof sender names so fake messages appear alongside real ones. Treat any link or request for your details with caution.
