1. The “bank fraud team” asks you to move savings to a safe account. This is:
Answer: A scam. Banks never ask you to move money to keep it safe. “Safe account” is a scam script.
2. Your bank asks for your full PIN over the phone. You:
Answer: Refuse — banks never ask for it. No genuine bank will ask for your full PIN or online-banking password.
3. The caller says a courier will collect your card for safety. This is:
Answer: A scam. Banks don’t send couriers to collect cards. Never hand over your card.
4. The best way to check a call is really from your bank:
Answer: Hang up and call the number on your card. Scammers may already know your details. Calling back on a number you trust is the real check.
5. True or myth: a bank may ask you to install remote-access software to fix fraud.
Answer: Myth. Remote-access apps give scammers control of your device and banking session.
6. The caller already knows your address and recent payments. So:
Answer: It can still be a scam — data leaks are common. Personal data is widely available after breaches. Knowing it doesn’t prove who they are.
7. Your banking app asks you to approve a payment you didn’t start. You:
Answer: Decline it and contact your bank. Approving confirms the payment. Decline, then call your bank.
8. A “police officer” asks you to help catch corrupt bank staff by withdrawing cash. This is:
Answer: A scam. Police never ask you to withdraw money or take part in operations like this.
9. Why are push-payment frauds hard to reverse?
Answer: You authorised the payment yourself. Because you made the payment, it looks legitimate to the system. Report it as fast as possible.
10. An email from your bank asks you to confirm details in a form. You:
Answer: Ignore the link and log in through the app. Logos are easy to copy. Use the official app or site.