Alert : Fake bank advisers on the phone – caller ID spoofing used to steal your codes and empty your accounts

A phone scam is currently targeting consumers: fraudsters pretend to be calling from your bank while displaying a reassuring number to pressure you into disclosing sensitive information.
Be extra cautious: here are the right reflexes to spot this manipulation and put an immediate stop to the scam.

Fake bank advisers over the phone

Scammers contact victims while claiming to be calling from their bank’s fraud department. Their script is designed to create immediate stress and obtain codes, login details or approval for transactions.

How the scam works

Fraudsters use caller ID spoofing to make a number appear that seems to belong to your bank. They claim that a suspicious payment, an unusual transfer or a hacking attempt is under way, then pressure you to act urgently.
Their aim is simple: to get you to share a code received by text message, your online banking credentials, or to approve a transaction they present as a security measure when in reality it allows them to divert your money.
Warning signs : alarmist tone, pressure to respond immediately, request for a confidential code, invitation to approve a transaction, persistent call, caller refusing to let you hang up and call your bank back yourself.

Some advice :

• 📵 Never share a code received by text message, your password or your bank PIN over the phone.
• ☎️ Hang up immediately, even if the number displayed appears genuine.
• 🏦 Call your bank back only using the official number shown on your bank card, your statements or the bank’s official website.
• ⏳ Be wary of any urgent request that prevents you from thinking clearly or checking the information.
• 🔐 Enable security alerts and, where possible, two-factor authentication on your banking services.
• 🧾 Check your bank transactions without delay if you answered the call or approved any action.
• 🚫 Never follow instructions from a stranger telling you to “secure” your account by making a transfer.
• 👥 Warn those around you, especially older people, who are often targeted by this type of scenario.

Conclusion

If you receive this kind of call, do not give any information, end the conversation and contact your bank quickly through an official channel. If in doubt, or if you have shared any data, block your card or account access without delay, change your credentials and keep any useful evidence.

You can report this fraud through official platforms such as Report Fraud (UK), National Cyber Security Centre (UK), or the Federal Trade Commission reporting platform (US) if your banking data has been used fraudulently.
Reporting the scam on an official platform and speaking about it around you helps limit its spread and prevent new victims.

To go further, you can also read our full article: 👉 Fake banking and administrative messages as well as our practical advice: 👉 Useful reflexes when facing fraud and scams ; 👉 Essential rules to avoid online traps ; 👉 Anti-fraud platforms useful to consumers

In case of doubt, or if you think you may have been targeted, you can also use our free support tool: 👉 Interactive guide for fraud victims

Written by : René Ronse
Methodology : Our alert articles are based on regular monitoring of national reporting platforms, feedback from victims, and statements issued by relevant authorities.
About the author : René Ronse, manager of ArnaqueOuFiable.com. Expert in consumer cybersecurity, specialist in detecting online fraud, product transparency, and digital compliance. He has over 20 years of experience analyzing hidden subscription mechanisms, unreadable terms and conditions, aggressive sales tactics, and deceptive commercial practices on the web.
Sources : cybermalveillance.gouv.fr | rgpdkit.fr | lebot-avocat.com | economie.fgov.be
Last updated : 11 April 2026.
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