Simple Guide for Identifying Fake Bank Alerts

Have you ever fallen victim to a fake alert scam? This article is absolutely for you if you haven’t. If you continue reading, you will discover how to spot a bogus bank notice.

A phoney bank warning scam has claimed the lives of many Nigerians. A real-life instance involving a POS shop owner named Osadolor happened in my community of Edo State. When a young man went into his store, he sent Osadolor’s account a bogus bank alert for N50,000. The money was never truly transferred into Osadolor’s account, and the con artist had already left when he received the confirmation notice, which he later found.

Nghype.com has written a helpful post on how to spot bogus bank alerts and how they operate so that you don’t experience anything similar. You can traverse the article’s numerous subjects by using the links below:

How Can I Spot a False Bank Alert?

It’s likely that you will want to skip through this information because you believe it to be useless. Understanding the warning signs, however, is essential, particularly for those who have felt the heartache of having their hard-earned money taken without a trace. Such victims understand the value of being watchful and spotting warning indicators that others might overlook.

You should be aware that anyone could fall prey to this, therefore in order to protect yourself, look out for the following warning signs.

• Look for spelling errors.
• They will inquire about your account number, which is not inappropriate, as well as your phone number, which is inappropriate. That raises an alarm. Your phone number is not required for money transfers.
• There won’t be any credit to your account balance. The actual bank alert will display your balance both before and after the warning.
• Know exactly how much was there previously; if the amount you have today corresponds to that amount, you are on the right route. If not, you might be about to fall victim to fraud.
• If you received a mail, glance at the email source and search for your bank’s official email address.
• Verify the app’s legitimacy on a mobile device.

A false bank alert looks like this:

Credit Alert!

     Acc#: xx0*******xx45

     Amt:30,000

     Desc: 00100001000

     Diamond Bank

Nurudeen Ojo

     Time: 20/10/21/10:00PM

     Avail Bal: 100.000.09

     Total Bal: 100.00.10

The Diamond Bank alert format appears to be like this. This format could be used by scammers to send you phoney bank alerts that closely mimic real ones.

How to Spot a Fake Bank Alert:

• First off, if you receive an alert, check the message’s location. It might be in your inbox, where your bank’s actual message once resided. If it is not among the others, there is a problem.
• Second, confirm that the money sent topped off your balance. If not, the notice would be a phoney as they couldn’t possibly know how much money was in your account.
• Third, verify the alert format, as some of them may not be familiar with all bank formats.
• Check the balance of your account last. Using your bank’s mobile app is advised so that if money is sent to you, you can instantly check in to the app to confirm the payment.

Bank Account Balance Checking Codes:

• Access bank *901*5#
• Eco-bank *326*0#
• Fidelity bank *770*0#
• First bank *894*0#
• FCMB *329*00#
• GT bank *737*6*1#
• Heritage bank *322*030#
• Stanbic bank *909#
• Keystone bank *7111*1#
• Sterling bank *822*00#
• UBA bank *919*00#
• Unity bank *7799#
• Wema bank *945*0#
• Zenith bank *966*00#

How is a false bank alert created?

This procedure involves bulk SMS. Bulk SMS is a simple and inexpensive way to send messages to a big group of recipients.

The con artists will successfully pull off this bogus bank alert once they have the information they require. Therefore, you must keep that information secret from them in order to avoid being conned by these people. And there is a technique to spot a phoney warning if this information is ever reviewed by them.

What details are required for these scammers to send you a bogus bank alert?

1. Your phone number
2. Your account number

Without the aforementioned details, it would be difficult for them to send you fictitious messages, and when you do realise what they’ve done, it would also be impossible to find them.

The cause is that they have a special SIM card for carrying out this heinous act. They ascertain the format that your bank employs when sending you credit or debit alerts and duplicate it for your benefit.

How to spot a fraudulent bank alert

Make sure to verify any claims of money transfers into your bank account with the relevant accounts that are linked to it, the first of which is your email.

1. Examine your email.

Check your registered email with your bank, the one that is connected to your bank. If you don’t already have one, you can create one and link it to your account in order to help you dispel any questions you may have regarding the recent financial transaction.

Additionally, you can see your account balance and bank statement via this email.

Check your email source as soon as you receive the alleged bank notice.

2. Verify the account’s balance

You can check your account balance using your bank’s USSD code or a mobile banking app, as well as online banking or an ATM. Your account balance or statement will never reflect a false bank alert.

3. Verify the credit alert you received to see if your available bank information is there.

If your account balance does not display along with the transfer payment made by your clients or buyers, you may readily identify a fake bank alert because fraudulent bank notifications do not include your available balance.

4. Avoid giving out your bank information to strangers via email, phone, or internet platform, or clicking on links that ask for your bank account information. Be cautious and be safe.

This post is meant to address a variety of searches, including “how to send fake bank alert in Nigeria,” “fake bank alert SMS in Nigeria,” “free fake alert,” “union bank fake alert code,” “fake transfer,” “how to know fake bank alert,” “fake bank credit alert,” “code for fake transfer,” “zenith bank fake alert,” “gtbank fake bank alert,” “access Bank fake bank alert,” and others.

I hope you found this material useful and ask that you please be aware of the phoney bank notice. If yes, inform your family and acquaintances about the bank alert fraud.

Smart Godwin | August 19, 2023.

Tags: Nigeria

Categories: Guides

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