The bank call “confirmed” by a text in your bank’s own thread

The “fraud team” knows your recent payments and address. Then a text arrives in your bank’s genuine SMS thread saying their adviser is on the line.

What it looks like

Phone call + SMS · Your bank’s fraud team

“I can see your €42.90 supermarket payment on Tuesday and your home address — that’s how you know it’s the bank. To prove it, I’ve just sent you a text.”

How it usually ends

The details came from a leaked customer file. The text was spoofed under the bank’s sender name, so it landed in the real thread. The call ended with a “safe account” transfer.

Red flags

The caller “proves” who they are using your own data
A text under the bank’s name arrives during the call
The conversation moves towards moving money or approving something

A real case

Polish police say “bank employee / safe account” calls cost victims about PLN 50M a month, with a rise before the holidays (Radio Gdańsk, November 2026).

What to do

Hang up, wait a minute, and call the number on the back of your card.
Treat any “proof” given during a call — data, texts, caller ID — as no proof at all.
Never move money to “protect” it.

Could you spot it in the moment?

In Painted Sky you’re born at random somewhere on Earth and live a whole life — and this scam is one of the fakes that can find you. Make the call yourself, then replay the same life with a lens that shows what was fake.

Play Painted Sky — free →