Are you ready to protect your phone from smishing? Here's how:
Check the text to see if it plays to common fears
Since scammers are trying to get you to respond immediately and click on a link, they try to make their texts appear as urgent as possible. As humans, we all have our fair amount of fears. When confronted, we may even throw reasoning out the window.
This can be true despite understanding the risks. Listed below are a few common fears attackers will use as bait:
- Having your money stolen
- Family members getting hurt
- Accusations for a crime you didn't commit
- Something you don't want the public to know about
Here's the thing, scammers will also refine their scams based on response rate. So, if you don’t respond, they will start to lose interest.
If you receive a text message from a number you don't recognize, do not respond until you have verified the number. Don’t even write, “Who is this?” If the text appears to come from your bank, call your representative first before answering any questions.
It's just too quick and easy to respond to texts. Most of us can do so without blinking an eye. Yet, now is the time to be more cautious before replying.
Use the Text Alias feature
Most major mobile device service providers offer a Text Alias feature that lets you receive and send texts, but your recipients cannot see your actual number.
You can also give the alias to trusted friends and family members. Since attackers can't find your alias in a directory, it can cut down on the number of smishing texts sent your way.
Don't call a number left in a text message
Banks don't usually send text messages urging you to call them. The last thing you want is to call a fraudulent number that can turn your phone into a zombie, bending it to the will of your attackers. What you should do is contact your bank to ask them about their text messaging policies.
Normally, your bank will have an opt-out of text messages feature—as most businesses do. And, if you have opted out, you should not receive any texts from your bank or any other institution where you are a patron.
Personally, I often opt out of the text message feature just because I receive too many from friends and family as it is. I like to keep my bank's messages in email.
Install apps from official channels
Do not download apps from text messages. This may seem obvious, but you should only use the official app store, which has security features in place to protect you from malware and other threats.
If the text feels extremely urgent, then you can tell it is a scam. Legitimate businesses will always give you time to respond.
Do not give away personal or financial information via text message
Major companies will not ask for sensitive information through text messages. You should also block any suspicious numbers.
Although, you might have to block more than one. As a general rule, don't reply to text messages from numbers and people you don't know.
Use an antivirus and anti-theft app
At the very least, you should install a mobile security app. There are many valid filtering, antivirus and anti-theft apps available to protect your phone from malware and scams. Some of the more reputable companies include McAfee, AVG, Norton and Avast.
Now that you understand how smishing works, you are in a better position to protect yourself.