How do scammers trap SBI customers?:Don’t make these 7 mistakes, know important precautions from experts

Recently, the State Bank of India (SBI) has issued an alert regarding a phishing scam. In this, scammers send fake messages to customers threatening that their SBI YONO account will be blocked if ‘Aadhaar is not updated’. Such messages create panic among people, causing them to blindly believe the fraudster without thinking and fall victim to fraud. To prevent this scam, SBI has issued an advisory on its ‘X’ handle. Today we will understand this scam related to SBI’s ‘YONO’ app. We will also learn: Expert: Rahul Mishra, Cyber Security Advisor, Uttar Pradesh Police Question- What is the scam related to SBI’s ‘YONO’ app? Answer- This is a phishing scam, in which cyber fraudsters send fake messages to SBI customers. It reads- Important Notice, Dear SBI Customer, You are informed that your SBI YONO account will be blocked tonight, because your Aadhaar number is not updated in your account.We regret this inconvenience. You are requested to please install our official SBI Aadhaar Update APK and immediately update your Aadhaar and complete the further KYC process. Thank you,SBI Bank This message is written in English. Along with the message, there is an APK file named ‘SBI KYC AADHAR UPDATE’, which is asked to be downloaded. As soon as the user downloads it or fills in the information, the fraudsters hack the phone and extort money. Question- How are scammers targeting SBI customers? Answer- Cyber criminals trap SBI customers by creating an atmosphere of fear and urgency. See the scam trap in the graphic- Question- What harm can fraudsters cause through this scam? Answer- Fraudsters can cause harm in many ways by stealing customers’ personal and banking details. Such as- Question- Due to which mistakes do people fall into scammers’ trap? Answer- After seeing the message, people make some mistakes in haste and panic, due to which they fall into scammers’ trap. Such as- Question- What has SBI said in the advisory issued to caution its customers? Answer- SBI has advised customers in the advisory to be cautious of fake messages- Question- What do you need to do according to this advisory? Answer- Understand the right and wrong ways of bank-related work from the pointers below- Downloading mobile banking app Wrong- Downloading from unknown links or APK. Right- Download only from official app store or website. Logging into your account Wrong- Logging in to fake apps. Sharing PIN. Logging in from public WiFi. Right- Login only on official app or website. Don’t share PIN with anyone. Checking Balance Wrong- Entering details on third-party apps or unknown websites. Right- Use bank app, ATM or official USSD/missed call service. Transferring Money Wrong- Sending money in haste without checking. Transferring money lured by ‘reward/cashback’. Right- Verify receiver’s name and number before sending money. Use only official platforms. Linking UPI Wrong- Activating UPI on unknown apps or links. Right- Link only in bank app/official UPI app. Using OTP/MPIN Wrong- Telling OTP on call/message. Showing OTP by sharing screen. Right- Keep OTP/MPIN completely confidential. Enter it yourself, don’t share with anyone. Checking Banking Related Notifications (SMS/WhatsApp/Email) Wrong- Clicking on threatening messages like ‘Account will be closed’. Right- Check the source of the message sender. Ignore/report suspicious messages. Updating KYC Wrong- Updating KYC through calls/links. Sharing documents/OTP with anyone. Right- Update KYC only on the bank’s official website/branch. Receiving Bank Related Calls Wrong- Sharing OTP, PIN, CVV on call. Getting pressured. Right- Verify the caller’s identity. Report if suspicious. Ticket Booking, Shopping Wrong- Making immediate payment on fake offers or very cheap deals. Entering card details on unknown sites. Right- Use only official website/app. Check Transaction Alerts Wrong- Ignoring alerts. Complaining late. Right- Check every SMS/email alert immediately. Inform bank immediately about unknown transactions. Question- How to identify fake messages, apps and links? Answer- Fake messages, apps and links are the most common methods of cyber fraud nowadays. Remember some signs to identify them. See in the graphic- Question- What precautions should be taken to avoid this scam? Answer- For this, adopt some basic precautions. See them in the graphic- Question- What is the official app of SBI? How to download it? Answer- SBI’s official app is ‘YONO SBI’. This is State Bank of India’s official mobile banking app, through which you can do banking, payment, UPI, loan, investment and other tasks. How to download it? Question- What to do if you have accidentally downloaded a fake app? Answer- In such a situation, immediately take these steps- Remember: The sooner you take action, the less the damage will be. Question- Where and how to complain about ‘SBI YONO app scam’? Answer- For this, inform customer care or the nearest branch. Also-