Recognizing fraudulent messages is key to protecting your accounts. Watch out for these warning signs:

1. Urgent or Threatening Tone

If a message says things like “Act now or your account will be blocked!” or “Immediate action required!”, it’s a red flag. Scammers use urgency to make you panic and bypass rational thinking.

2. Strange Sender Details

Look closely at the sender’s email or phone number. Fraudsters often use addresses that look similar to your bank but have subtle differences—extra letters, numbers, or unusual domains.

3. Generic Greetings

Legitimate banks usually address you by name. Messages starting with “Dear Customer” or “Dear User” could indicate a mass phishing attempt.

4. Suspicious Links or Attachments

Hover over links before clicking. If the URL doesn’t match your bank’s official domain (uba.com.al) or looks odd, don’t click. Attachments asking you to download files are another danger sign.

5. Requests for Sensitive Information

Banks never ask for passwords, PINs, or OTP codes via email, SMS, or phone. Any message requesting these is almost certainly fraudulent.

6. Poor Grammar and Spelling

Bank rarely send messages with obvious mistakes. Typos and awkward phrasing are common in scam messages.

7. Unexpected Offers or Refunds

Messages claiming you’ve won a prize, received a refund, or need to confirm a transaction you didn’t initiate are classic scam tactics.

• Avoid Public Wi-Fi for Banking Transactions: Public Wi-Fi networks are often insecure and can expose your banking information to hackers.
• Use a VPN: A virtual private network encrypts your internet connection, adding a layer of security when accessing your online banking.
• Regularly Update Your Mobile Banking App: Keeping your app up to date ensures you have the latest security features and patches.
• Download Official Apps Only: Ensure you are using the official banking app from bank’s website or trusted app store PlayStore or AppStore to avoid malicious apps.
• Use Strong, Unique Passwords: Create complex passwords that include a mix of letters, numbers, and special characters, and avoid using the same password for multiple accounts. Do not store the password on your phone or device.
• Enable Multi-Factor Authentication: This adds an additional verification step, making it harder for unauthorized users to access your account.
• Monitor Your Account Regularly: Regularly check your account statements and transactions for any signs of unauthorized activity.
• Be Cautious of Phishing Attempts: Do not click on suspicious links or attachments in emails or messages that claim to be from bank.
• Set Up Account Alerts: Enable notifications for unusual activity to quickly detect and respond to potential fraud.
• Secure Your Devices: Use antivirus software, keep your operating system updated, and ensure your devices are protected with a strong password or biometric authentication.
• Keep Confidential Information Private: Never share your passwords, card numbers, or account details over email or messaging platforms, even with people you trust.