Every festive period and end-of-month rush comes with increased scam activities. This is the peak fraud season—a time when scammers use calls, messages, fake links, and impersonation to target innocent people. Knowing how to avoid scammers is one of the strongest ways to protect your money and personal information.
Below are 5 proven scam-prevention tips to keep you safe.
1. Never Share Your OTP or Verification Codes
Your One-Time Password (OTP) is your strongest line of defense. Scammers may call or message you pretending to be from your bank, asking for your OTP.
Do not fall for this.
- No bank will ever ask for your OTP.
- Do not send any code to anyone.
- If you receive an OTP you didn't request, delete it immediately.
Keeping your OTP private is the most effective way to avoid scammers.
2. Protect Your PINs and Passwords
Your PINs and passwords are the keys to your bank account.
- Never share your ATM PIN or banking password.
- Avoid simple passwords like 1234, 0000, your birthday, or your name.
- Use strong combinations with letters, numbers, and symbols.
Scammers often pretend to be customer service agents—don’t give them access.
3. Log Out of Banking Apps and E-Wallets After Use
Many people forget to log out of their banking apps, creating easy access for scammers.
- Always log out after every transaction.
- Avoid storing passwords automatically on your phone.
- Turn off one-tap login for financial apps.
A logged-in app is an open door to your money.
4. Lock Your Phone With Strong Security
If someone can unlock your phone, they can unlock your finances.
- Use a strong password or PIN.
- Enable fingerprint or face ID.
- Avoid leaving your phone unattended in public places.
- Keep your phone updated for better security.
This simple step helps you avoid scammers who look for easy targets.
5. Verify Every Message or Call Before Taking Action
Most scammers create urgency to confuse you.
- Do not click suspicious links.
- Ignore any message saying “Your account will be blocked.”
- Verify information through your bank’s official number.
- Check emails and messages for spelling errors or strange addresses.
Slowing down helps you stay alert and make the right decision.
Final Thoughts
Scammers succeed when people are careless—but you can stay ahead of them.
By protecting your OTP, securing your phone, logging out of apps, and verifying every message, you greatly reduce your chances of being scammed.
Stay alert. Stay informed. Stay safe.
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