Stay safe online: how to spot scams and avoid mobile fraud

It’s easier than ever to stay connected but unfortunately, it’s also easier than ever for scammers to try their luck. From suspicious texts to unexpected calls, fraud can show up in all sorts of ways.

At SMARTY, we’re all about keeping things simple and that includes helping you stay safe. This guide covers the most common scams and mobile fraud risks to watch out for, and the steps you can take to protect yourself.

Common scams you might come across

These scams often rely on pressure, urgency, or impersonation. They’re designed to catch you off guard, so knowing what to look for can make a big difference.

Text message scams (smishing)

You might get a message that looks like it’s from a delivery company, your bank, or even SMARTY. It could ask you to pay a small fee or click a link to update your details. These messages can seem convincing, but they’re designed to steal your information.

Phishing emails

Some emails look like they come from trusted companies, but the links or attachments inside lead to fake websites or harmful downloads. Always check the sender's address and be wary of links that don’t match the company’s real site.

Unexpected or suspicious calls

You might receive a call from someone claiming to be from a company you use, sometimes even with a number that looks familiar. They may ask you to confirm account details, give them a verification code, or make a payment. If something doesn’t feel right, it’s best to hang up and contact the company directly.

Social media or messaging Scams

Scammers sometimes impersonate friends or family, sending messages like “Hi Mum, I’ve changed my number, can you help me out?” These messages can feel personal, but they’re often automated or copied from other scams.

Fake offers and competitions

Be cautious of offers that promise too much, like vouchers, prize draws or free gifts in exchange for your details. If you didn’t sign up for it, it’s probably not real.

How mobile fraud works

Some types of fraud don’t just involve messages, they involve your mobile number or account being used without your knowledge.

SIM swap & number porting

Fraudsters can request to move your number to a different SIM card they control. This lets them receive your texts and calls, including any verification codes you might need for banking or other services.

Account takeovers

This happens when someone gains access to your SMARTY account or other personal accounts. They might change your email or address and order new devices or services in your name.

New account fraud

If someone has enough of your personal info, they could try to open a new account using your identity.

Call divert fraud

Your incoming calls are secretly forwarded to another number, meaning someone else could be listening in or intercepting important calls.

Signs something might be a scam

Scams don’t always look suspicious at first, but these are common warning signs:

• The message is unexpected and creates urgency
• It contains poor spelling or formatting
• You’re asked to click on a link or enter personal details
• The message uses a generic greeting like “Dear customer”
• You’re asked for passwords, PINs or one-time codes
• Something just feels off or out of place

What to do if you get a suspicious message or call

If something doesn’t feel right, it’s always fine to pause and check. Here’s what you can do:

• Don’t click on the links or respond to the message
• Forward suspicious texts to 7726 (it’s free and helps stop scams)
• Block the number if it seems suspicious
• Contact the company directly using their official website or app
• Report it to Action Fraud at actionfraud.police.uk or by calling 0300 123 2040
• Call 159 if you think it involves your bank as it connects you to their fraud team

If you think someone’s accessed your SMARTY account or tampered with your SIM, get in touch with our support team through the SMARTY webchat.

How to protect yourself going forward

There’s no such thing as being 100% scam-proof, but there are lots of easy ways to stay safer.

• Use strong, unique passwords and update them regularly
• Turn on two-factor authentication (2FA) where available
• Keep your phone and apps updated
• Never share one-time passcodes or personal info over text or phone
• Check your mobile and banking accounts for anything unusual
• Sign up to the Telephone Preference Service to reduce marketing calls

Useful features on your phone

iPhone: Turn on Silence Unknown Callers: Settings → Phone → Silence Unknown Callers

Samsung (and other Android phones): Use Smart Call to detect potential scam calls: Phone app → Settings → Caller ID & spam protection

Both platforms also let you block individual numbers from your recent calls or messages.

A reminder on what SMARTY will never do

To help you spot the real from the fake, here’s what SMARTY won’t do:

• Ask for your password, PIN or full security code
• Ask you to pay using gift cards or cryptocurrency
• Contact you from unofficial numbers or unverified social media accounts
• Call you and ask for personal details - unless you’ve submitted a complaint and specifically asked for a call-back

If someone calls claiming to be from SMARTY and you weren’t expecting it, don’t share any information. Hang up and report it to us.

If you’re not sure whether something’s real or not, take a moment, trust your instincts, and don’t be afraid to ask for help. By staying alert and following a few simple steps, you’ll be doing a lot to protect yourself and others too.