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Impersonation

Bank safe-account scams

A fake bank employee claims fraud and asks you to move savings to a supposed safe account.

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An older woman using a phone beside a laptop outdoors

If you have one minute

Pause, then verify independently.

Asks you to move all savings

Before paying

Call the number on your card or app

See verification steps →

If you paid or shared details

Hang up and contact the real bank

See response steps →

Start with these three signs

  • Asks you to move all savings
  • Caller requests a one-time code
  • Discourages contacting the bank independently

How the situation unfolds

  1. Contact

    A call following a suspicious-transaction text.

  2. The lure

    Move your money immediately to protect it.

  3. The demand and outcome

    Security fears obtain codes or transfer approval for an account controlled by the scammer.

Verify these things before paying

  1. Call the number on your card or app
  2. Keep verification codes private
  3. Enable alerts and suitable transfer limits

Already engaged or paid?

  1. Hang up and contact the real bank
  2. Explain transfers and disclosed credentials
  3. Keep the bank's response and report

Contact your payment provider and local police promptly. The responsible institution must confirm whether a payment can be stopped, disputed or returned.

Keep these records

Transaction-alert text
Call details
Receiving account
Bank statement

Keep originals and organise working copies. Never give strangers verification codes, banking passwords, private keys or seed phrases.

Original references

  • Federal Trade Commission (FTC)Publisher location：United States · EnglishOpen the original reference ↗https://consumer.ftc.gov/consumer-alerts/2024/03/never-move-your-money-protect-it-thats-scam

This page summarises public prevention guidance to help recognise methods. It is not an enforcement conclusion about a particular incident. Check the source page for its original title. Procedures and reporting routes vary by jurisdiction. Compiled October 2026.

Related situations

Police and court impersonation

Threats of criminal involvement or arrest create panic before fake officials demand secrecy and transfers.

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Family emergency impersonation

A fake relative, hospital worker, or companion requests secret urgent payments for an accident.

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Boss and familiar-contact impersonation

Copied profiles or a claimed new number exploit familiar relationships to request payments.

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