We often see news reports about scam victims and think, “That would never happen to me.” You may feel confident that you're more tech-savvy or aware of cyber threats than others, but in today’s digital world, even the most cautious individuals can fall victim.

Complacency can be dangerous. Believing that scams only happen to others may cause us to overlook red flags, and that’s when we become vulnerable.

Recognising scam tactics early can help protect your personal information, finances, and peace of mind. So, can you spot the red flags?

Scenario: Is this a scam?

Pak Ahmad receives a call from a private number. The caller claims to be a police officer, stating that Pak Ahmad's personal data has been compromised. To "verify" his identity, the caller urgently requests his bank account details and asks him to confirm a transaction authentication code (TAC) sent via SMS.

Red Flag 1: Unexpected Call from a Private Number

Legitimate authorities and financial institutions will NOT call you from a private or hidden number.

What to do?

Always verify the caller by checking official contact details on the institution’s website. Never trust a number just because it sounds official.


Red Flag 2: Pressure and Urgency

Scammers often use fear and urgency to cloud your judgement saying things like “your account is at risk” or “you must act now.”

What to do?

Stay calm. Take a step back and ask yourself: Does this feel rushed or threatening? Legitimate institutions give you time to verify and decide.

Red Flag 3: Requests for sensitive information

No legitimate bank or enforcement agency will ever ask for:

- Your credit or debit card number and CVV

- Online banking username and password

- OTP or TAC codes sent via SMS

- Your IC image


What to do:

Hang up immediately. Never share these details over the phone, email, or text.

What to do if you’ve been scammed?

If you realise you've fallen victim to a scam, don’t panic. Quick action can make a difference:

1. Call your bank’s fraud or scam hotline immediately.

2. Contact the National Scam Response Centre (NSRC) at 997.

- Available daily from 8 AM to 8 PM

- Calls should be made within 24 hours of the incident

3. Lodge a police report.

4. Follow official platforms like #JanganKenaScam for trusted updates and verified contacts.


Scams can happen to anyone. Being aware of the warning signs is your best defence.


Source : Bernama & KWSP
Image Credit : Australian Broker