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Fake bank employee scam

How to prevent the fake bank employee scam

Not all scams are the same: spot their tactics and take action in good time.

  • Detect suspicious messages before taking action.
  • Learn how to identify the most common scam tactics.
  • Follow clear recommendations to protect your money and your personal details.

Common methods of the fake bank employee scam

How does the cybercriminal contact you?

They may use a variety of methods. These messages often create a sense of urgency or concern, prompting you to act quickly without checking the information.

Urgent message

A text or WhatsApp message warning about a purported problem with your account or card.

A call from a someone pretending to be bank worker

A phone or video call from someone claiming to work at the bank.

A fake customer support phone number

A phone number they tell you to call to “sort out the issue”.

How the fake bank employee scam works

Step-by-step guide to the bank employee scam

This scam normally follows a similar pattern: gaining your trust to get you to do specific things on your device.

  1. Urgent message or call

    You get a text, WhatsApp message or phone call warning you about a suspicious transaction or a problem with your account.

  2. Official-looking contact (vishing)

    They ask you to call a number and continue the conversation while pretending to be from the bank to make themselves seem more credible.

  3. Installing a fraudulent app

    They may send you a link to install an alleged security app from somewhere that isn't the App Store or Google Play. In other cases, they may ask you directly to make a transfer citing some urgent reason.

  4. Holding your card up to your mobile

    If you have installed an app, they may use a technical excuse to ask you to hold your card up to your device to capture information.

  5. Sharing codes, passwords or PINs

    The final step usually involves asking for passwords, verification codes or your card PIN to complete the transaction.

Do you think you might have been a victim of fraud?

Scams are often disguised as emergencies or threats. Be especially wary of any urgent requests for details or payments.

  • Keep calm, use your common sense.
  • And if you think you might be a victim of fraud, get in touch with CaixaBank immediately through the official channels:
  • Adviser Space.
  • By calling 938 87 25 25.
More information

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