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Your phone shows your bank's name. The caller says your money is at risk.

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Then comes the instruction: move it to a safe account.

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That instruction is the scam. Your bank never needs you to move money to protect it.

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Here is one free check that helps with the text that starts it. Paste it into Is This a Scam Text at UtilForge.org.

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Press Check. It shows the signs: urgency, a phone number to call, and a link that is not your bank's.

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The check runs on your own phone.

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Then hang up and call the number on the back of your card. In the United Kingdom, call 159.

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Already sent money? Call your bank straight away, then report it.

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Share this with someone who banks by phone.