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'Your bank' texted you — how to spot impersonation

Bank impersonation is one of the most dangerous scams: a text that looks like it's from your bank reports 'suspicious activity' or an 'account on hold' and links you to 'verify details'. Your real bank will never ask for a password or code via an SMS link.

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What it looks like

'Unusual activity detected. Verify now: link'. The link opens a fake login page that looks like your bank — and everything you type is stolen.

Red flags

• A request to enter username, password or code via a link • A domain that isn't your bank's official site • An urgent threat ('account will be locked') • An unknown or international sender

What to do

Don't click. Open your bank via its official app or by typing the address yourself. Call the number on the back of your card. In doubt, check the message below.

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FAQ

Will my bank send a link to verify details by text?

No. Banks don't ask for a password, code or card details via a link in a message. That's impersonation.

It looks exactly like my bank

Scammers copy logos and style. The giveaway is the request to hand over details via a link — always suspicious.

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