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How to Easily Detect Fake Bank Alerts | Full Guide



How to Easily Detect Fake Bank Alerts

How to Easily Detect Fake Bank Alerts | Full Guide

If you are reading this article, you have probably been scammed with a fake alert or maybe you haven’t but are anxious to know how to detect fake bank alerts in order not to be scammed, either way, you are at the right place as you will learn how to detect a fake bank alert, so keep reading.

A lot of Nigerians have been scammed by this fake bank alert because they lack the knowledge to differentiate fake alerts from a real alerts but I know after reading this article, you will be able to easily do that.

You may also want to read Top 12 Apps That Can Earn You Real Money in Nigeria 2023

How to Easily Detect Fake Bank Alerts

What are the red flags to look out for?  You might want to scroll past this thinking you might not need it. Only victims understand how important knowing what the red flags are is because they have dealt with it first-hand and it must have really hurt to see the money that they’ve kept “safely” stolen without a trace.

Remember, this could happen to anyone, but to prevent you from falling victim, here are the things to look out for.  

  • Check out for misspellings. 
  • They will ask for your account number which is not out of place and also ask for your phone number, which is out of place. That’s a red flag. No one needs your phone number to send you money.  
  • Your account balance will not be credited. The real bank alert will show you how much you had before the alert and after the alert.  
  • Have a precise knowledge of how much was there before, and if it corresponds with the previous amount then you’re on track. If not you might just be about to be scammed.  
  • If you were sent a mail, check the email source and look out for the official email address of your bank.  
  • Check the authenticity of the mobile app used.

How to Easily Detect Fake Bank Alerts

Let me show you what fake bank alert looks like,

  Credit Alert!

     Acc#: xx0*******xx45


     Desc: 00100001000

     Diamond Bank

Nurudeen Ojo

     Time: 20/10/21/10:00PM

     Avail Bal: 100.000.09

     Total Bal: 100.00.10

So, this is how Diamond bank alert format looks like. Those scammers will send you your bank alert format, this will make it like a real bank alert.

This is How to Detect Fake Bank Alerts

  1. First of all, any time your receive alert, Check the message where its located, maybe its located to inbox where your bank real message use to be. If its not among the other, its means something is wrong
  2. Secondly, Check whether the amount sent top up your balance. If not, it fake alert be that, because they cannot know the total amount in your bank account
  3. Thirdly, check the alert format, because some of them dont know all bank formats
  4. And lastly, check your account balance. It is adviceable to use your bank mobile app so that anytime money is sent to you, you will quickly login to the mobile app to confirm the payment.

Codes To Check Bank Account Balance

  • 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#

You may also want to read Top 20 List of Fake Loan Apps in Nigeria – All You Need To Know

How does Fake bank alert done?

bulk sms is used in this process. Bulk SMS is an act of sending messages to large number of people, its less expensive and easy to use.

When this scammers get the information they need to perform this fake bank alert, the will do it successfully. So, to avoid been scammed by this people, you need to hide that information from them. And if by any means, this information is review to them, there is a way you can detect fake alert.

What information do these fraudsters need to send you a fake bank alerts?

1. Your phone number
2. Your account number

Without the above information, it is impossible for them to send you fake messages, and when you eventually figure out what they’ve done, it would be impossible to track them.

The reason is, they have a dedicated SIM card for perpetrating this evil. They figure out the format that your bank uses to send you credit or debit alerts, and copy to send to you.

How to Avoid fake bank alert

After anyone claims to have sent money into your bank account ensure you confirm with the necessary account linked to your bank account , the first account is Email.

1. Check your email 

Check your email that is linked to your bank – the one that is registered with your bank. If you don’t have an email for bank alerts, then you can open one and link it to your account to help you clear your doubts about the financial transaction that took place. 

With this email, you also get access to your bank statement and your account balance, all in your email. 

Once you received the suspected bank alert, check your email source. 

2. Check the Account Balance

This can be done using your bank USSD code or mobile banking app, you can also check your account balance through internet banking or ATM machine. A fake bank alert will never reflect in your account balance or statement. 

3. Check the credit alert you received if it contains your available bank

Fake bank alerts will not contain your available balance so you can easily detect the fake alert if your account balance does not reflect along with the transfer payments done by your customers/buyers. 

 4. Avoid clicking on links that request your bank account details or give out your bank information to strangers either via email, phone call or online platform. Be warned and stay safe.

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