SIM swap
Updated 2026-09-29
A SIM swap happens when a scammer convinces a telco, often using stolen personal details or a bribed insider, to transfer your phone number onto a SIM card they control. Once done, your calls and SMS, including OTP/TAC codes, go to them instead of you.
When it matters
A sudden loss of phone signal with no obvious cause, followed by being locked out of banking or messaging apps, can be a sign of a SIM swap in progress. Contact your telco and bank immediately if you suspect this, since it is often a step toward a full account takeover rather than the end goal itself.
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