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Tip #12 · Phone safety

Fake Bank SMS Links: How to Spot Them Before You Tap

‘Your account is suspended. Click here to verify.’ Banks do not send login links by SMS.

Phishing messages copy your bank's logo and wording and send you to a fake login page that steals your username, password and TAC.

What to do

  1. Do not tap links in SMS or WhatsAppOpen your banking app or type the bank's address yourself.
  2. Check the sender and the spellingOdd sender names, spelling mistakes and urgent threats are typical.
  3. Never share TAC or secure-approval codesNot with the bank, not with the police, not with anyone.
  4. Use your bank's app approvalsRead what you are approving before you press OK.
  5. Report the messageForward it to your bank's fraud team and delete it.

When to call a professional: Lost money through a phishing link? We help you document it for your bank and the police. Fraud, Scam & Signature →

Not sure what to do next? Try the free Case Assessment — 3 minutes · private · no sign-up. See what you already have, what is missing, and the lawful next steps. Start the free assessment →

Emergency? Call 999. Scam in progress? Call the National Scam Response Centre at 997. This tip is general information, not legal advice.

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