Various methods are used by scammers to obtain our personal banking information. Sometimes we ourselves also find it difficult to identify whether it is from a legitimate organization or not. It cannot be denied, the sophistication of today’s technology world indeed provides many benefits to our daily lives. But in every good, there must also be bad where a crime has been created which is now classified as cybercrime. Each scam follows a different format, but ultimately aims to steal your money or personal information.


Among the cybercrimes that are no longer foreign today is fraud involving banking. Imagine all the savings we have saved for years disappearing in an instant. That is what will happen if you are not careful in doing any transaction or information sharing. So these are the signs you need to know to detect if you are involved in banking cybercrime.



  • Receiving Strange Emails or SMS

Scammers disguise themselves as legitimate companies and use communication channels such as SMS, WhatsApp and email to send you a link that looks almost exactly to the company’s real website. With such fake websites, they may ask for personal information, passwords, addresses, etc.


  • International Call Scam

You will receive a call from an international number. If you answer the call, the scammer will end your call and call the number back. People who call back will be charged very expensively for the call. Even if no transaction takes place online, you will still lose hundreds of ringgit.


  • OTP Verification Code Even If Not Requested

Anyone who asks for an OTP code from you, be it from authorities, friends, family members or even someone who used to use your phone number asking for the OTP sent to you, it’s best to just ignore it. Therefore, never click on a link that you think is suspicious. If unsure, just check or contact the bank to confirm.

If you are one of the victims of a scam, you should contact your bank immediately through their 24-hour hotline and make a report about this illegal money transfer. You also need to ask the bank to deactivate the card and freeze the banking account for a period of time. After receiving the new login update, you need to change the new password as soon as possible.


In addition, you are also advised to keep all transaction records that have been made, as well as the details of the person or organization involved with your transaction. This information may be useful if you wish to take action and assist the police investigation. Therefore, you are advised to always be alert if you receive any email or SMS from an unknown party. Do not share your personal information such as card number, user ID, banking pin number and also OTP code to anyone. Always be vigilant and check all links provided before you click and enter your personal information.