On February 16, 2025 By newsroom Topic: Money Safety
WhatsApp is one of the most widely used messaging platforms in India, making it a prime target for scammers. These scams often exploit users' trust and lack of awareness to steal money, personal information, or access to accounts. Recognizing these scams and knowing how to protect yourself is critical in today's digital landscape.
Victims are asked to pay "registration fees" or "interview charges" to proceed.
Red Flags:
Poor grammar or generic job descriptions.
Example Message:
Victims are asked to share sensitive details like Aadhaar, PAN, or OTPs.
Red Flags:
Requests for OTPs or personal information.
Example Message:
Victims are asked to pay a "processing fee" or "tax" to claim their winnings.
Red Flags:
Requests for upfront payments or sensitive information.
Example Message:
Clicking the link can steal your login credentials, personal information, or even install malware on your phone.
Red Flags:
A sense of urgency to click immediately.
Example Message:
Sharing the OTP gives them access to your accounts, such as WhatsApp or payment apps.
Red Flags:
Claims like "I mistakenly entered your number instead of mine—please share the OTP."
Example Message:
After victims provide personal information or pay an "approval fee," the scammers disappear—or the loans have exorbitant hidden charges.
Red Flags:
Unbelievably low interest rates.
Example Message:
Instead of receiving money, scanning the QR code authorizes a withdrawal from your account.
Red Flags:
Messages claiming you need to "accept" money via QR code.
Example Message:
They may claim to be in an emergency and ask for money.
Red Flags:
Messages like "Please don’t tell anyone, just transfer the money."
Example Message:
Victims are asked to donate via unverified UPI IDs or links.
Red Flags:
Generic requests for donations without specific details.
Example Message:
After payment, the product is never delivered, or a counterfeit product is sent.
Red Flags:
Payment requests via unofficial methods (e.g., personal UPI accounts).
Example Message:
Verify any unexpected message offering jobs, prizes, or urgent requests for money.
Avoid Clicking Unknown Links:
Hover over links to check the URL, and don’t click if it looks suspicious.
Never Share Sensitive Information:
Do not share OTPs, personal details, or financial information over WhatsApp.
Double-Check Before Sending Money:
If a friend or relative asks for money, confirm their identity by calling them directly.
Report and Block Scammers:
Use WhatsApp’s "Report" and "Block" features to stop scammers.
Enable Two-Step Verification on WhatsApp:
Protect your account with a PIN by enabling this feature in WhatsApp’s settings.
Verify Authenticity of QR Codes and Payment Links:
Never scan QR codes or click payment links unless you’re certain of their legitimacy.
Stay Informed:
File a complaint with your local cybercrime cell or at the Indian government's cybercrime portal (https://cybercrime.gov.in).
Inform Your Bank:
If you shared banking details or lost money, notify your bank immediately to freeze your account or card.
Change Passwords and Enable Security Features:
Update passwords for affected accounts and enable two-factor authentication where possible.
Warn Others:
WhatsApp scams are becoming increasingly sophisticated, but staying alert and informed is your best defense. By recognizing red flags, safeguarding your personal information, and reporting scams, you can protect yourself and others from falling victim. Stay cautious and use WhatsApp responsibly to enjoy safe communication.
