High riskText Message

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.

How this scam works

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.

Text-message scams, known as "smishing", reach you directly on your phone where a link is only a tap away and messages feel personal and urgent. They impersonate trusted senders, banks, couriers, government, or even people you know, and depend on you acting before you pause to verify.

In short, the giveaway is usually simple: A text says your statement is ready and links you to log in to view it. Do not use the link. Log in only through your bank's official app or website.

Scammers rotate tactics constantly, the same operation may also run the Bank Statement Email Scam and the Fake Bank Alert Text Scam. See the full Text Message Scams guides hub, or test a suspicious message with the scam checker.

How to spot this scam

  • 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 the message looks like

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.

What gives it away: A text says your statement is ready and links you to log in to view it.

The scale of it

$330M
reported lost to text-message scams in the US in 2022, more than double the year before
Source: US Federal Trade Commission
#1
fake bank fraud alerts were the most-reported text scam type in 2022
Source: US Federal Trade Commission

How to protect yourself

  • 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

Already responded? Do this now

  • 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

Mistakes to avoid

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

Related scams to know

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.

Created by Scam or Safe Editorial Team
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.

Created by Scam or Safe Editorial Team
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.

Created by Scam or Safe Editorial Team

Common 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 · Written & reviewed by the

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.