Mobile scam attacks

Dangerous Texts, Apps & Calls: How to Stay Safe From the Latest Mobile Scam Attacks

Your phone, your data, and your money are at risk. A new wave of scams is targeting smartphone users—both iPhone and Android—through fake texts, emails, and phone calls designed to steal sensitive information and drain your bank accounts.

While messages about undelivered packages and unpaid tolls are still common, the latest threat is more deceptive and dangerous. This time, it involves fake bank representatives, tech support agents, or even government officials claiming to help protect you from fraud.

Here’s what you need to know—and what you can do to stay safe.

How the Scam Works

You Receive a Fake Message

It may arrive via text or WhatsApp, alerting you to a suspicious transaction or problem with your account. You’re urged to call a phone number to resolve it.

You Call the Number

A fake “support agent” answers and may sound convincing and helpful. They claim your bank account or phone is under attack and they need to guide you through some steps to secure it.

They Trick You Into Taking Action

• They ask you to open your banking app and enter your PIN.
• They may instruct you to change card settings and remove spending limits.
• They ask you to install a “security app” — but it’s actually malicious software.

They Steal Your Card Info

Once the app is installed, the scammer may trick you into holding your card near your phone. They use NFC (near-field communication) technology to copy your card and make unauthorized purchases or cash withdrawals.

Warning Signs to Watch For

• Unsolicited texts or messages claiming you need to fix a payment or bank issue.
• Calls from people claiming to be from your bank, tech support, or law enforcement.
• Requests to install an app sent via text or messaging apps like WhatsApp.
• Instructions to give your PIN, change account settings, or hold your card near your phone.

How to Stay Safe

• Never call phone numbers provided in unsolicited messages. Instead, contact your bank or service provider using a trusted, publicly listed number.
• Do not install apps from links sent by text or WhatsApp. Only download apps from your phone’s official app store (Apple App Store or Google Play).
• Never share your banking PIN or card details. Your bank will never ask for this information over the phone or messaging apps.
• Avoid giving anyone remote access to your device. No legitimate support service will ask you to give them control of your phone.
• Use built-in privacy tools. WhatsApp users can block unknown contacts and turn on settings to reduce spam:
  Go to Settings > Privacy > Advanced > Block unknown account numbers
• Be cautious with unknown messages. Don’t click on links or open attachments from unfamiliar contacts, even if they look urgent or official.

What to Do If You Think You’ve Been Targeted

• Stop engaging immediately – Hang up or exit the chat.
• Uninstall any suspicious apps – Especially those recently added after being prompted.
• Contact your bank directly – Use their official number or visit a branch.
• Report the scam – File a report with the FTC at reportfraud.ftc.gov or your country’s cybercrime agency.

Final Thought

Scammers are trained to manipulate emotions like fear and urgency. Don’t let their pressure tactics override your judgment. If you don’t recognize the contact, don’t respond. And if something feels off—stop and verify.

If you don’t engage, you don’t get scammed.