High riskText Message Scams

Bank Statement Text Scam

This scam texts that your bank statement or account summary is ready to view and links to a fake login page that captures your online banking credentials.

Quick verdict

Risk level
High risk
Scam type
Bank impersonation (smishing)
Main red flag
A text says your statement is ready and links you to log in to view it.
What to do first
Do not use the link. Log in only through your bank's official app or website.

What this scam usually looks like

This scam texts that your bank statement or account summary is ready to view and links to a fake login page that captures your online banking credentials.

Example message pattern

Example pattern — not a real report
Example pattern: 'Your monthly statement is now available. View your account summary here: [suspicious link]' leading to a fake banking login.

This is a fictional, anonymised example used to illustrate the pattern. It is not a verified real message, and any names are used only to show how the scam typically reads.

Red flags to watch for

  • A statement notice by text with a login link
  • A login page that is not your bank's official site
  • A generic message with no partial account number
  • Pressure to log in promptly
  • A web address with extra or misspelled words

What to do

  • Log in only through your bank's official app or website you open yourself
  • View statements within your genuine account
  • Report the text to your bank and your mobile provider
  • Delete the message and block the sender

If you already clicked or replied

  • If you entered your banking login, contact your bank immediately
  • Change your online banking password from a trusted device
  • Review transactions for anything you did not make
  • Watch for follow-up calls posing as your bank

What not to do

  • Do not log in through links in statement texts
  • Do not share banking codes or passwords
  • Do not call numbers provided in the text

Similar scams

High risk Email

Bank Statement Email Scam

This scam emails a fake 'your e-statement is ready' or 'review your statement' notice impersonating your bank, linking to a fake login page that captures your online banking credentials.
High risk Bank & Payment

Fake Bank Alert Text Scam

This scam sends a text claiming suspicious activity on your account, then steers you to a fake login page or a 'fraud agent' who pressures you to move money.
High risk Text Message

New Payee Text Scam

This scam texts that a new payee or recipient has been added to your bank account and tells you to call a number or tap a link to cancel it, leading to a fake page or a scammer posing as your bank's fraud team.

Frequently asked questions

Does my bank text a link to view statements?
Banks may notify you a statement is ready, but you should log in through the official app or website directly, not via a link in a text.
How can I tell the link is fake?
Fake links use look-alike or extra words on an unrelated domain. The only safe way to view statements is through your bank's official app or site.
I entered my banking login. What now?
Contact your bank immediately, change your password from a trusted device, review transactions, and watch for impersonation calls.
Why send a statement text scam?
It looks routine and trustworthy, encouraging you to log in on a fake page so the scammer can capture your banking credentials.

Last reviewed: June 2026

Disclaimer: This page provides educational information only to help you recognise common scam patterns. It is not legal, financial, cybersecurity, or law enforcement advice, and it does not confirm whether any specific message, company, or person is genuine or fraudulent. When in doubt, contact the official organisation directly and report concerns to your local authorities.