Phishing by text message

Phishing by text message

What is smishing (SMS phishing)?

Scammers are increasingly sending text messages which contain a link to a fake website. The messages look like they come from a trusted source such as a bank, the government, a telecom operator, itsme or Card Stop.

The message is written in a direct and urgent tone, pressuring you to click the link.

Clicking the link will take you to a fake website that looks just like the real one. The scammers will then ask you to enter personal information or your bank details (your card number and the codes you generate with your card reader). They can then use your bank details to steal your money.

Don’t get caught out by scammers! We’ll never text you a link and ask you to open it to enter your card reader codes.

How the scam works

You get a text message containing a fake link from scammers pretending to be us. The link takes you to a fake website that looks like ours, where the scammers try to trick you into entering your:

  • debit card number
  • online banking login codes that you generate with your card reader
  • codes for signing and authorising transactions that you generate with your card reader

Once the criminals have your card number and these two codes, they can install Mobile in your name on their own device and steal money from your account.

A few tips on protecting yourself against smishing

  1. Don't blindly believe every text message you receive
    Fraudsters can easily fake the sender’s name. If you’re in any doubt, forward suspicious text messages to
  2. Never enter personal information or bank details on a website you’ve been sent to after clicking a link.
  3. Keep the codes you generate with your card reader secret, just like your debit card PIN
    They are the key that unlocks your funds, and they are strictly personal to you. KBC will never ask you for these details by e-mail, text message or over the phone.

Our KBC Antivirus Software Package includes virus and phishing protection software that protects your devices and your online activities from attack by cybercriminals.
Learn more.

Spotted something suspicious?

Email us at


What is this type of cybercrime? How do scammers work and how can you protect yourself from them?

How cyber criminals operate

Help me scams

Son or daughter suddenly sending you WhatsApp messages from a ‘new’ mobile number?

How do I use the card reader securely?

Bank courier fraud

Fraudsters call you up  and ask you to cut your debit card in half for 'security reasons', supposedly to make it unfit for further use.