How do you recognise that you are receiving a scam call?
Scammers often call with unexpected offers or warnings that may make you feel a sense of urgency or anxiety. For example, they may report suspicious activity in your bank account or offer an incredibly beneficial deal. Don't be quick to accept!
Always check where they call you and from what number. Most often they use the Viber app, with the bank's name as the caller's name.
Real banks or official institutions will never ask you for information such as credit card numbers, passwords or security codes via phone. If a caller is demanding this information, it is most likely a scammer.
Scammers may try to scare you by threatening account closure, fines, or even arrest if you don't provide the required information immediately. Don't fall for such tricks.
Callers may also promise you a large sum of money, lottery winnings, or other incredible benefits. This is most likely an attempt to lure you into a trap.
How to protect yourself from phone scammers
- Never give confidential information via telephone, even if the caller claims to be from a bank or other official organisation.
- If you are suspicious, ask for the caller's full name, title and contact details, and then call the organisation yourself to confirm the validity of the call.
- Modern smartphones have spam call blocking features. Enable this feature to reduce the number of suspicious calls.
- If you encounter a scam attempt, report it to your bank, the police or other relevant organisation. This will help prevent similar incidents in the future.
What to do if you are a victim of scams
- Contact your bank: Contact your bank immediately and report suspicious activity. The bank can temporarily block your account and help prevent further transactions.
- Change passwords: Update passwords for all your accounts, especially if you suspect scammers may have accessed your data.
- Report to the police: File a police report. They may be able to help recover stolen funds and prevent further scams.
Do not forget that you are fully responsible for all transactions made with your card. Do not give your details to other people or allow them to use your card. In case of a scam, the responsibility will fall on you. Also be careful if someone asks you to transfer money or withdraw money from an ATM. If you are unsure of the purpose of these transactions, decline the interaction.
By following these simple tips, you can protect your finances and avoid unpleasant situations. Remember that the safety of your money and personal data depends only on you. Be alert and do not let scammers deceive you!