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.
They are going to help you stop an existing scam on your account or card.
They can help you with your tax rebate.
You have a package or letter on its way that you can track via a link in a text message.
They can help you recover money that you have been scammed out of.
You have won some money.
A family member has got into a tricky situation and needs your help.
Your computer has a virus or some other problem that they say they can help you with.
You need to download software to protect your computer from an on-going virus attack.
You should Swish to stop an ongoing transaction.
Have you been scammed? Contact your bank immediately!
Always report attempted fraud to the police. Call the police on 114 14.
A common type of fraud involves someone calling and claiming to represent your bank, the police, a company, a government agency – or even pretending to be a loved one. The scammer often tries to stress you out by claiming that you're in a situation that needs immediate action.
Fraudsters can manipulate the caller ID to make it look like your bank is calling. They then offer to help fix the made-up problem and “correct” the situation. The fraudster might ask you to share codes from your bank security device, give remote access to your computer, scan unfamiliar QR codes, or make transactions to what they claim are secure accounts at the bank or with the police.
Don’t trust the caller just because they know personal details about you. Fraudsters are skilled at gathering information to gain your trust and deceive you. Hang up the phone if you feel unsure or stressed.
Sending text messages to obtain information used to commit crimes has become increasingly common. Fraudsters can manipulate phone numbers to make it appear as though the sender is, for example, your bank, the police, a government agency, a company, or a close relative. The message may claim that you have purchased an item, taken out a loan, or need to pay for a delivery by clicking on a link or scanning a QR code. If something is wrong, they usually want to get you to call a phone number that connects to the fraudsters to resolve the issue.
Do not click on links in text messages messages and do not call unknown phone numbers at someone else's request. Talk to someone you trust if you're unsure. Contact your bank first, and then the police, if you suspect fraud.
Investment fraud involves deceiving people into investing in something that later turns out to be a scam. A common scam is being asked to invest in cryptocurrencies like Bitcoin, but it can also involve fake funds, stocks, products, or commodities. A common tactic is to lure individuals with offers promising very high returns in a very short time.
Investment fraud often starts with an advertisement on social media or websites that appear trustworthy, or a fraudster contacting you with an offer that seems very enticing. Investment frauds can go on for a long time, with you, the investor, being tricked into investing more and more. You should always question how reasonable the offer seems. If you're asked to invest as quickly as possible, be especially cautious. The same goes for promises of guaranteed returns.
Never invest in things you don't understand, or in offers that seem too good to be true. Always check the company with the Financial Supervisory Authority or call your bank before investing any money. If you have transferred money to a fraudster, always contact your bank; in some cases, they can stop the transaction. Never send more money to anyone to recover what you've lost.