Muhammad Adam bin Ali
Scammers keep changing their scripts, but the tactics stay the same: make you afraid, greedy or rushed. Know the seven most common.
1. Impersonation calls (Macau scam).
The caller claims to be from the police, LHDN, a court or a bank and says your account is linked to a crime, then asks you to move money to a “safe account”. Real authorities never ask you to transfer money over the phone.
2. Phishing SMS and links.
“Your account is blocked” or “your points expire today” with a link to a fake bank site. Banks never ask for your TAC, OTP or password.
3. APK files on WhatsApp.
You’re asked to install an app for a booking, a wedding invitation or a parcel. It can read your SMS and OTPs. Install apps only from Google Play or the App Store.
4. “Easy” online jobs.
Paid to like videos or review products, then asked for a “deposit” to unlock the next task. Real jobs don’t ask you to pay.
5. High-return investments.
A fixed 10% a month, “sure-win” crypto, or recruit-a-friend schemes. Check the Bank Negara Malaysia and Securities Commission alert lists.
6. Fake loans.
“Instantly approved”, but you must first pay a “legal fee” or “insurance”. Legitimate lenders never charge upfront fees.
7. Love scams.
An online contact who can never meet, then needs money for an emergency or customs.
Golden rules
- Stop — don’t act in panic.
- Verify independently using the official number on the organisation’s website, not one the caller gives.
- Check account and phone numbers on Semak Mule (semakmule.rmp.gov.my) before transferring.
If youâve been scammed
Call 997 (National Scam Response Centre, NSRC) immediately — it runs 24 hours and calls count as a police report. Then call your bank to freeze accounts and cards.
Key takeaways
- fear, greed and urgency are a scammer’s tools.
- Never share OTPs; if hit, call 997 right away.
