How do scammers work?

Scammers no longer “follow templates” — now they use psychology.

Let’s look at new scam tactics:

1. Mistaken transfer - you receive a message or a call claiming that money was accidentally sent to your account and asking you to return it urgently. Sometimes they even send a fake “confirmation” of the transfer. In reality, they are trying to involve you in a scheme that may lead to your money being stolen.

2. Access to your screen - you are asked to install an app “for protection” or “verification.” After that, scammers can see your screen and access your banking app together with you.

3. “Canceling a transaction” via a code  - you receive an SMS code, and the scammer convinces you it’s needed to stop a withdrawal. In fact, it’s confirmation of a transaction they initiated themselves.

4. Combined attacks First, you receive an SMS or push notification, then a follow-up call “to clarify.” Everything looks official, which makes people lower their guard.

Important to remember - no bank or government employee will ever ask you to transfer money “for security reasons”. Installing apps at the request of strangers = risk of losing money. Any pressure or urgency is a key sign of fraud.

Your awareness is your best protection.