How do you recognise a fake message from the bank?
Summary: how do you recognise a fake message from the bank?
You can recognise a fake bank message by its urgent tone, impersonal greeting, and errors in language or layout. Scammers often ask you to click a link or enter your details. Real banks will never do this via email or SMS. Not sure? Always contact your bank directly.
Bank fraud is becoming increasingly common. Older adults are often targeted by scammers pretending to be trustworthy bank employees. They send an email, SMS, or even WhatsApp message that looks like it’s from your bank. But how do you know if a message is real or fake? In this article, we clearly explain what to look out for and how to protect yourself.
Why do scammers send fake messages?
Scammers try to get personal information, PIN codes, or even access to your bank account through fake messages. This is called phishing. They play on fear or confusion, for example by claiming your account has been blocked or suspicious activity has been detected.
Signs of a fake message
Watch for these signs:
- Urgent tone: Words like "urgent", "act quickly", or "final warning" are common in fake messages.
- Impersonal greeting: Real banks usually address you by name. Fake messages often start with "Dear customer".
- Suspicious links or attachments: Never click a link blindly. These often lead to fake websites that look real.
- Spelling and grammar errors: Official bank communication is carefully written. Mistakes are often a red flag.
- Requests for login details: Your bank will never ask for your details via email or SMS.
- Poor formatting: Fake messages often look messy or amateurish, with strange fonts, colours, or layouts that don’t match your bank’s usual style. Poor formatting is often a clear sign something’s off.
Examples of fake messages
A common example:
"You have an outstanding amount of €19.99 for bank fees. Avoid account suspension and pay immediately via the link below."
Or:
"Suspicious activity detected. Log in now to check your account."
These messages are designed to get you to click a link and give away your personal details.
What should you do if in doubt?
Contact your bank yourself. Use the phone number on the official website or your bank card.
- Don’t click anything. Don’t open links or attachments unless you’re sure the message is genuine.
- Delete the message. That way, you avoid clicking on it by accident.
- Report it. Forward the message to your bank.
Extra tip: use reliable security software
Reliable security software helps identify and block phishing emails. At Antivirus.eu, you’ll find clear information and honest recommendations on which software suits your needs best. Our experts are ready to give you personal advice.
Safe online banking starts with knowledge
If you know what to watch out for, you’re already one step ahead of the scammers. Stay alert, be cautious with suspicious messages, and always check with your bank or an expert if in doubt. At Antivirus.eu, we’re here to help with practical tips and reliable protection.
