Stay Alert: A Scam-Free Back to School

By ABN Staff January 13, 2026

Stay Alert: A Scam-Free Back to School

As the festive season winds down and schools reopen, many families enter a busy financial transition. This period calls for a fresh look at how you manage money and protect yourself from fraud.

Choosing to go cash-light and using digital channels such as the Equity Mobile App, Equity Online, Equitel, or *247# offers stronger protection.

Unlike cash, digital transactions leave a clear trail. They also allow instant alerts and quick action if something goes wrong.

Unfortunately, fraudsters see this season as an opportunity. Staying alert can help you stay ahead.

The Modern Scammer’s Playbook: What to Watch For

Today’s scams go beyond suspicious links. Criminals now use AI to clone voices and make urgent-sounding calls. They also send fake delivery messages or promote attractive travel deals that lead to malicious websites.

Their main tactic is panic. By rushing you, scammers hope you act before you think.

Another growing threat is “quishing.” Fraudsters place fake QR code stickers over genuine ones at shop counters. Once you scan and pay, the money goes straight to a criminal. These scams succeed because they pressure victims to act fast.

Stay Alert: A Scam-Free Back to School

Build Your Digital Fortress With Simple Habits

One of the strongest defences is to pause and verify. If you receive an urgent request for money, even from someone familiar, call them back using a saved number. Do not rely on the incoming call.

When paying a merchant, confirm the business name on your screen before approving the transaction. This small habit can prevent costly mistakes.

Next, secure your internet connection. Public Wi-Fi at cafes, malls, or airports is risky for banking. Criminals can intercept data on shared networks. For financial transactions, use your mobile data or a trusted, password-protected network.

Your device also plays a key role. Keep your phone and banking apps updated to access the latest security features. Always lock your device and banking apps using a PIN or biometrics. In addition, download financial apps only from official app stores.

Finally, protect your One-Time Password. Treat it like a second key. Never share your OTP with anyone, under any circumstances.

Staying Safe Offline: ATMs and Cards

Vigilance matters offline too, especially at ATMs. Always prioritise your personal safety.

Enter the ATM lobby alone. If someone inside makes you uncomfortable, wait. Politely decline help from strangers, even if they appear friendly. Fraudsters often pose as helpers to steal PINs or swap cards.

Stay aware of your surroundings. Shield the keypad when entering your PIN. If something feels wrong, cancel the transaction and leave immediately.

When paying with your card, tap or insert the chip instead of swiping. These methods offer stronger encryption and better protection.

Your Bank’s Role in Keeping You Secure

Banks also play a role in protecting customers. Clear communication channels help reduce fraud.

For example, Equity Bank uses a single official outbound call number, 0763 000 000, to help customers identify legitimate calls. The bank also reminds customers that it never asks for PINs, passwords, CVV numbers, or OTPs.

Customers can report suspicious numbers through the free SMS line 333. This helps create a safer banking environment for everyone.