Ever get a text that looks like it’s from your bank, credit card company, or even your boss, but something feels off? That might be smishing.
Smishing is short for “SMS phishing.” It’s a type of scam where attackers send fake text messages to trick you into giving up personal information, clicking on a malicious link, or downloading malware onto your device. The goal? Access your accounts, steal your identity or even spread the scam further.
What Smishing Looks Like
Smishing messages often:
- Pretend to be from trusted organizations (banks, delivery services, government agencies).
- Urge you to act fast: “Your account is locked!” or “Final notice: Click to reschedule delivery.”
- Include suspicious links or ask you to reply with personal information.
Here’s an example:
“[Your Bank]: We’ve detected unusual activity. Click here to secure your account.”
The link looks real but leads to a fake website designed to steal your login credentials.
Why It Works
Scammers use urgency, fear, and curiosity to catch you off guard. And because the message appears right on your phone—often in a thread with legitimate messages—it feels personal and immediate.
How to Protect Yourself
- Don’t click on links in unexpected texts. If you’re unsure, contact the organization directly using a verified number or website.
- Never share personal info over text. Legitimate institutions won’t ask for sensitive data this way.
- Watch for red flags. Spelling errors, generic greetings like “Dear customer,” and pressure to act quickly are warning signs.
- Use mobile security tools. Some phones and carriers offer built-in spam filters or alerts for suspicious messages.
What to Do If You Think You’ve Been Smished
- Don’t respond or click any links.
- Report the message to your mobile carrier by forwarding it to 7726 (SPAM).
- Change any compromised passwords immediately.
- Keep an eye on your financial accounts and credit reports.
The Bottom Line
Smishing is just another spin on an old trick: get you to trust, then trick you. Staying aware, skeptical and careful with your clicks can make all the difference.
