Quick answer
Real bank fraud alerts come from your bank's registered shortcode or domain. They never ask for your PIN, full card number, or password — and they do not link to login pages via SMS. If in doubt, call the number on the back of your card.
What Our Tool Checks
Sender number vs. your bank's registered contact
Link domain vs. your bank's official domain
Requested action (especially PIN, password, or full card number)
Urgency framing about account suspension or fraud
Whether the alert matches activity you actually have
Common Warning Signs
Message asks you to call a number to 'dispute a transaction'
Link in the text goes to a login page
Asks you to confirm your card number, PIN, or sort code by text
Sender is a regular mobile number, not a bank shortcode
Says your card has been used abroad when you are not travelling
What Not to Submit
To protect your privacy, never paste these into any tool — and never submit passwords, OTPs, card numbers, bank logins, or private IDs.
Your banking PIN or password via any link
Full card number or 3-digit security code
OTP codes to anyone calling you — your bank will never ask
What to Do If Something Looks Suspicious
Call your bank using the number on the back of your card — not any number in the message
Log into your bank's official app directly to check for real alerts
If you shared your details — call your bank's fraud line immediately to freeze the card
Report to Action Fraud (UK) or the FTC (US)
Related Safety Checkers
Other checks in the Text & Message Scams category: