Messages & links
Phishing messages
Fake texts and emails impersonate a trusted company to make you click, sign in, or pay.
Watch forUnexpected links, login warnings, and slightly misspelled addresses.
Read guide
ScamCheck learning hub
Know the pattern.
Break the scam.
Scams can look different, but they rely on the same pressure, secrecy, and false trust. Learn the patterns so you can pause before you act.
Start here
Three habits stop most scams.
Pause when someone creates urgency. Check the story using an official channel. Protect passwords, codes, and account details.
- 01PauseDo not let urgency choose for you.
- 02CheckContact the organisation yourself.
- 03ProtectNever share secret account details.
Browse by topic
Learn the scams you are most likely to meet.
Each guide gives you the story scammers tell, the signals to notice, and the safest next move.
Accounts & identity
Bank impersonation
A caller or message claims there is fraud on your account, then asks you to “secure” your money.
Watch forRequests for OTPs, PINs, passwords, or a transfer to a “safe” account.
Read guide
Accounts & identity
Account takeover
Scammers steal a password or verification code and use it to lock you out of your account.
Watch forUnrequested reset codes, new-device alerts, and sudden loss of access.
Read guide
Money & opportunities
Investment scams
A “guaranteed” opportunity promises fast returns and uses fake success stories to build trust.
Watch forGuaranteed profits, secret systems, and pressure to add more money.
Read guide
Money & opportunities
Job and loan scams
A fake employer or lender offers easy approval, then charges a fee before anything can begin.
Watch forUpfront fees, interviews by chat only, and requests to use your bank account.
Read guide
Trust & relationships
Relationship scams
Someone builds a close online relationship, avoids meeting, and eventually asks for money.
Watch forRepeated emergencies, secrecy, and excuses to avoid a video call or meeting.
Read guide
Accounts & identity
Money mule recruitment
Someone pays you to receive or move money through your account. The funds may be stolen, and forwarding them can involve you in fraud or money laundering even if you did not know their source.
Safest moveDo not receive or forward money for someone else. Stop and tell your bank if funds have already arrived.
Read guide
Accounts & identity
Identity theft
A scammer collects personal details or identity documents to open accounts, apply for credit, or impersonate you.
Safest moveShare ID only when necessary and through a verified channel. If it was exposed, contact the issuer and monitor your accounts.
Read guide
Accounts & identity
SIM swap
A criminal moves your mobile number to another SIM so they can receive calls, messages, and texted security codes.
Safest moveIf your phone unexpectedly loses service, contact your mobile provider and bank immediately from another device.
Read guide
Accounts & identity
Credit or debit card fraud
Card details can be stolen through skimming, a compromised checkout, a fake payment page, or physical theft and then used for unauthorised purchases.
Safest moveKeep the card in sight, review transaction alerts, and lock the card and call its issuer when you see activity you do not recognise.
Read guide
Philippine practical guides
Know exactly what to do next.
Check suspicious contact, report an incident, recover accounts and money, or verify a financial service using guidance built for the Philippines.
Scams change.
The pressure tactics
don’t.
Manufactured Urgency
Pinapabilis ka para hindi ka makapag-isip nang maayos o matakot.
Unusual Payment
Hinihingi na gumamit ng ibang platform tulad ng gift card o crypto.
Untrusted Links
Dinadala ka sa pekeng login page o nagpapadownload ng app.
Secret Information
Pilit na itinatanong ang iyong password, OTP, o iba pang maseselang detalye.