Fake bank text message: 7 signs it's a scam, and what to do

7 signs a bank text is fake

1. It asks for secrets. A PIN, an account password or the verification code sent to your phone should never be typed into a link or sent by text.

2. The link looks official but isn't. It leads to a copy of the bank's login page built to steal your details.

3. It's in a hurry. Phrases like "your account will be suspended in minutes" or "confirm your details now" push you to act before you think.

4. The sender is odd. A personal phone number or an unknown sender is a red flag. But seeing the bank's name on your screen proves nothing, because sender names can be faked.

5. The writing is off. Spelling mistakes, strange phrasing or a layout unlike the bank's real messages.

6. It wants you to cancel a purchase. A text about a purchase or transfer, with a link to cancel it. Don't use the link. Contact the bank directly.

7. It asks you to install something. An unknown app or a file to "update your account" may carry malware that steals personal information.

What to do if you got one

Don't tap any link and don't reply. Call the number on the back of your bank card or use the official website to check.

If you already entered your details, call the bank right away and ask it to secure the account or stop the card. Then change your login details through the official app or site, review recent transactions and report anything you don't recognise.

For everyday protection, check any financial alert in the bank's official app, never share your PIN or codes, and keep your phone and apps updated.