The 'update your KYC' SMS: how to tell it's a scam
What the message looks like
An SMS or WhatsApp message with a link or number to "complete KYC" today.
How to tell it's a scam
The message says your account, wallet or SIM will be blocked today unless you complete your KYC, and gives a link, a number or an app to install. Then they ask for your card details, UPI PIN or the OTP you receive.
Banks don't block accounts through a link in an SMS, and no real bank asks for your UPI PIN or OTP. Never install an app (an .apk file) sent in a message: it can read your messages and codes.
If you're unsure, open your bank's own app or visit the branch.
The tell: Don't update KYC through a link in a message. Use your bank's own app, or visit your branch.
Got one? Check it in seconds
Paste the message into Alice's free scam checker. It shows the warning signs and the exact words that set them off, and the check runs on your own device.
Check a messageAlready clicked, paid or shared details?
If money has gone, call 1930 straight away. Reporting quickly gives the best chance of stopping the money. Then call your bank on the number on your card.
Where to report it in India
- Lost money to fraud (24/7, call at once): 1930, or report at cybercrime.gov.in
- Fraud calls, SMS or WhatsApp messages: report them on Chakshu at sancharsaathi.gov.in
- In danger now: call 112
Contacts checked on each organisation's own website, September 2026.
What to do with a message you're not sure about
- Don't click the link, reply, or call the number in the message.
- Check for yourself: open the company's own app, or type its website address yourself.
- If it claims to be family, call them on the number you already have.
- Report it (below), then delete it.
Warn your family or group chat
Scams work best on people who haven't seen them before.
Not sure? Ask Alice
Paste the message into a chat and choose "Is this a scam?". Alice lists the warning signs she can see, gives a verdict, and tells you where to report it. Leave out your own account numbers — she never needs them.
General guidance, not legal or financial advice. If money has already gone, contact your bank first.