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An initiative by the Swedish banks against fraud

Beware of fake text messages

It has become increasingly common for authorities and companies to use text messages to send out confirmations, information, and offers. Scammers exploit this by manipulating phone numbers to appear as though they are from a bank, the police, or a company, for example. Today, most people have a mobile phone, and much of the communication occurs via text messages. Receiving a fraudulent text message is not dangerous in itself as long as you are aware of the sender's intention and do not act on what the scammer is urging you to do.

Do not call back – Scammers may try to rush a decision by making you worried.

Do not click on the link – Scammers can deceive by, for example, making you positively surprised.

Be attentive – Scammers can manipulate senders and websites to look credible.

Think twice – Scammers can exploit current events to deceive.


Good to know

It can be difficult to see through convincing scammers who are trying to trick you. Here are some tips to reduce the risk:
  • Hang up if the conversation starts to feel uncomfortable, stressful, or strange.
  • Do not use your bank security device or electronic identification (such as BankID) on somebody else’s request. Also, do not give out passwords, PIN numbers or security codes to anyone.
  • Do not click on links and or call unknown phone numbers based on someone else’s request.
  • Your bank will never ring you up and ask you to log in somewhere or to provide personal details.

Have you been scammed? Contact your bank immediately!

Always report attempted fraud to the police. Call the police on 114 14.

Common scams

Fraud can take many forms. Learn about some of the most common types – and how to avoid being scammed.
Telephone fraud
Somebody rings you up and says they want to help you stop a fraudulent transaction from your account. They will say the situation is urgent and ask you to log in via your bank security device or electronic identification (such as BankID) to resolve the problem.

Stop! The caller is trying to scam you.

Text message fraud
You receive a text from a sender who seems reliable. They ask you to click on a link which you are led to believe will take you to something good. But in reality, it gives the scammer access to personal information that they can use for criminal purposes.

Be suspicious when somebody offers you something out of the blue!
Unexpected home visit
Somebody rings the doorbell. The person outside says they need to come in to check that your ventilation is working properly. You can’t remember being notified about this but consider opening the door anyway.

Don’t do it – a fraudster is trying to scam you.

An initiative by the Swedish banks against fraud

Behind the initiative