Your account suddenly receives an unfamiliar transfer. Shortly afterward, you receive a phone call from someone claiming to be a bank employee, stating that the money was “mistakenly transferred” and urgently requesting a refund, even threatening possible “legal consequences” if you do not cooperate. In reality, this is a staged scam designed to steal money from your account.

The fraudsters begin by transferring a small amount of money into the targeted account to create a scenario, then repeatedly call the account holder to apply pressure for immediate action. Under the pretense of assisting with transaction verification or cancellation, they trick victims into scanning QR codes, accessing fraudulent links, and providing login credentials along with OTP codes. These details are then used to access the victim’s bank account on the scammers’ devices and execute outgoing transfers.

Out of fear of legal implications and a desire to resolve the matter quickly, many people have unintentionally fallen victim to this “accidental transfer” scam. In response to this situation, Bkav experts recommend:

• When receiving a mistaken transfer, do not withdraw or use the funds; proactively notify your bank and follow official procedures for handling the matter.

• Never disclose OTP codes, passwords, or login information to anyone under any circumstances.

• Do not scan QR codes, access suspicious links, or follow instructions from individuals claiming to be bank staff, police officers, or financial support personnel.

• If suspicious signs are detected, immediately stop the transaction, do not transfer additional money, and promptly report the incident to the authorities.

Bkav