You do not need to decide whether an unknown caller is real while they are still on the line. Hanging up gives you time to think and check the story without pressure.
Listen for Demands That Do Not Belong
Be wary if the caller wants a password, PIN, one-time code or card details. Other warning signs include orders to move money, install an app, open online banking or keep the call secret.
Threats of arrest, a fine, a closed service or sudden money loss are also used to add pressure. A caller may know your name or address. That does not prove who they are.
The Displayed Number Is Not Proof
Scammers can make a call appear to come from a trusted or local number. Do not rely on caller ID, a calm voice, a staff name or a case number.
End the Call and Start Your Own
- Hang up if anything feels wrong.
- Find the organisation's number on its official website, app, statement or your bank card.
- Call back yourself and explain what the first caller asked you to do.
- Ask a trusted person for a second view before sending money.
Do not call a number provided during the conversation, in a follow-up text or in an unexpected email. Let unknown calls go to voicemail if that helps you screen them.
Act Quickly After Sharing Details
Tell your bank at once if you transferred money or revealed financial information. Change exposed passwords through the real service, and report unauthorised access to the relevant account provider.
Once you end the incoming call and contact the organisation independently, the original caller no longer controls the pace or the evidence.