Most fraud doesn’t break technical security: it convinces you to make the transaction yourself. These are the most common patterns.
Fake tech support
Someone calls or messages claiming to be from Fintech Ejemplo, your bank or a government agency. They say they detected suspicious activity and need to “validate your identity” or “protect your funds”.
Red flag: any request for codes, passcodes or transfers.
What to do: hang up. If in doubt, message us yourself from the in-app chat.
SMS or email phishing
A message with a link taking you to a screen identical to ours, where you enter your details.
Red flag: urgency (“your account will be blocked in 24 hours”), spelling errors, odd domains in the link.
What to do: don’t tap the link. Open the app directly.
Fake sale or purchase
On marketplaces: they overpay you “by mistake” and ask you to return the difference. The original payment is later reversed and you lose what you returned.
Red flag: any request to send money back.
Fake receipt
They show you a screenshot of a transfer they never made. The screenshot is edited.
What to do: never hand over goods based on a screenshot. Verify the credit in your own app.
Fake prize or benefit
You’re told you won something, and to claim it you must pay a “tax”, “processing fee” or “shipping”.
Red flag: having to pay in order to receive.
The relative scam
A message from an unknown number: “hi, it’s your son, I changed numbers, I urgently need you to transfer me”.
What to do: call the number you already had saved before transferring.
If you’ve already fallen for it
- Block your cards and change your passcode.
- Report the transaction from Activity → Report incorrect transfer.
- File a criminal report.
- Contact us and attach the report.
Acting within the first few hours improves the chances of recovering funds, though it doesn’t guarantee it.