Have you already heard about vishing and smishing? It’s not a joke, but a tricky and smart scam scheme. New frauds are increasingly sophisticated and you are much more likely to get one from someone you trust. It’s not a “Nigerian prince” letter anymore. Let’s have a close look.

As we know, phishing attempts come via email or instant messages in a form of attachments or links to the fraud websites. There you will be asked to enter your personal or even banking information and then scammers will use this info for their own (not very good) purposes, but it’s not all.


Voice phishing, known as vishing, is based on using voice messages via mobile phone where criminals persuade victims to hand over their personal details or transfer money. Vishing attacks are usually very difficult to trace and unfortunately they have many techniques on their own.

When criminals call you, they already know your name, address, bank details and phone number. They make you believe that you need to make a bank transfer urgently – it is a matter of death or life. The criminals can even hold your telephone line, in case you need to get to your bank. Or the victim can hear automated voice system asking to enter their credit card number, expiry date along with their PIN numbers and other sensitive information.

The only reasonable advice here is never to disclose your personal information like banking or credit card details over the phone.


Smishing is based on SMS messaging as a way to defraud a victim. It looks like this: you receive a text message from a reliable source, like your bank, for instance, encouraging you to reveal your banking details. Or they can ask you put money out or click suspicious links. Sometimes attackers ask victims to call a number, in order to persuade them further.



Here is a short Fixico guide on how to deal in case of suspicious phishing attempts:

  • Check the number of the caller. Call the bank using a number from a bank statement or a verified source, not a text message.
  • Never give anyone your banking information over the phone, no matter how insistent they are. Your bank will never ask you to disclose it, especially your PIN or security numbers on the back of a card.
  • Never transfer money into another account at the behest of a random caller.
  • If you are unsure, simply hang up.

Hope that this article will help you to think critically every time you will be eager to disclose your banking information or transfer money.