after many people working at home or lossing they are job Mobile phone scams become more and more. Smartphones are mini-computers, so take all the same precautions with them as you would with your own computer at home.
About Mobile phone scams what you should know
If you use an online banking app, only use the official app provided by your bank. If in doubt, contact your bank to check.
Only download apps from official app stores, such as:
- Apple iTunes
- Android Marketplace
- Play Store
- BlackBerry World
Downloading them from unofficial or unknown sources could infect your phone with a virus.
Keep your phone’s operating system updated with the latest security patches and upgrades. Your operating system provider normally sends these.
Never give your mobile banking security details, including your passcode, to anyone else and don’t store them on your phone.
For added security set up a password or PIN to lock your mobile.
Just like on your computer, you can get antivirus tools for your mobile; use a reputable brand. Some banks offer free antivirus software for their customers’ phones. Check your bank’s website for more information.
Be wary of clicking on links in a text message or email. Don’t respond to unsolicited messages or voicemails on your phone. Your bank will never email or text to ask for your PIN or full password.
Examples of mobile phone scams
Text scams offering you money for an accident you may have had is often a ploy to get your personal details. Don’t reply, even by sending a ‘STOP’ text. Simply delete the message.
You may get a text or advert encouraging you to enter a competition for a great prize. The scammers will charge extremely high rates for the messages you send them, as high as £2 per text message. Don’t reply.
‘Trivia scams’ involve you answering general knowledge questions to win a prize. The first few questions will be very easy, so you keep playing. But the last one or two questions you need to answer to claim your ‘prize’ could be very difficult or even impossible.
If you try to claim your prize, you may have to call a premium-rate number, often beginning 0906. You then have to listen to a long recorded message, designed to keep you on the line. It’s highly unlikely there’ll be a prize at the end of it. Don’t phone back to claim.
‘SMiShing’ (SMS phishing) is when a scammer texts asking for personal or financial information. The message may appear to be from a legitimate company, like a mobile phone provider, but legitimate companies never ask you to provide sensitive information by text. Don’t reply to these texts. Simply delete them.
Unless you’re using a secure webpage, don’t send or receive private information when using public WiFi. And be aware of who’s around you when using a mobile device to go online.
For more information and help and to report this and many other types of fraud, visit Action Fraud the UK’s national fraud and cybercrime reporting centre.
How to identify Mobile phone scams
Be Scam Alert – Spotting a scam
There is a significant number of scams circulating, with scammers continually adapting how they operate to scam you out of your hard-earned money. Please be alter and remember if it’s too good to be true it normally is.
Spotting a scam
Some signs should set alarm bells ringing whenever you see them. Always be wary of the following situations:
Something which sounds too good to be true normally is
If you are contacted unexpectedly by a company
If you have been asked for personal or bank information
if you aren’t given long to make a decision or you feel pressured into making one immediately
If you’re asked to pay anything up-front and the only contact details are a mobile number and a PO box address
If you’re called repeatedly and kept on the phone a long time
If you’re asked to keep quiet
Be aware that banks, building societies, utility companies, lottery organisers, law enforcement or statutory bodies will never:
Ask for payment in vouchers
Ask you to transfer money over the phone to a different account
Ask for any part of your pin code
Ask for remote access to your computer or mobile device
Ask for money for a ‘free gift’, ‘admin fee’ or as part of a promotion
threaten to arrest you over the phone, in a letter or email for not paying a fee
ask you to go to the bank or building society to transfer money
If in doubt, apply the ‘scam’ test:
S – seems too good to be true
C – contacted out of the blue
A – asked for personal details
M – money is requested