6 Tips to Outsmart Scammer

Apr 23, 2020 | Only Berlin

6 Tips to Outsmart Scammer

In today’s social distancing-mandated reality, online banking is the preferred venue for most account holders. Though it is convenient to do banking from home, safety is still put into question, especially with scammers luring victims to fake websites.  These scammers aim to steal bank information and, eventually, money. 

BDO shares six tips for outwitting scammers and avoiding being a victim of fake websites.

Think twice about “concerned client”

There is a text message currently circulating that reads like this:


I just received a call from BDO. For those who are using BDO for online transactions, please DO NOT DO IT FROM YOUR PHONE or APP. Do it from your desktop or laptop. I am no techie, but they said that there is a malware that is affecting such transactions. This is also the reason BDO was inaccessible most of the time yesterday. Be careful pls. 

This is fake and could be a ploy to drive away clients from using the bank’s mobile banking facility (especially from the BDO Mobile app) to a channel where scammers can better exploit their would-be victims.  Remember, it is the goal of scammers to lure victims to fake websites through the latter’s personal computer. Banks never call their clients to advise them on what to use or not to use. To be sure, check with the bank first for any official advisory and announcement, and refrain from sharing false news you have received via email or text.

Never click on links

You could also receive an email that reads like this:

Dear valued client,

Greetings from BDO Online Banking.

Please be advised that we will deactivate the access of your account/s in BDO Online Banking if we don’t hear any actions from you.

It’s usually pretty easy to take care of things like this. Most of the time, we just need a little more information about your account or the latest transactions. You can verify your account at https://online.bdo.com.ph/

These communication channels are available to you 24 hours a day, seven days a week.

Thank you for banking online with us!

The BDO Online Banking Team

Important: Please save this message for future reference

This is fake. Banks will never send you an email asking you to log in through an embedded link. If ever you received such an email, do not click on that link. It will lead you to a fake website where your personal information will be stolen.

6 Tips to Outsmart Scammer

6 Tips to Outsmart Scammer

Never enter your login details

If ever you do click on that link, don’t enter your login details such as username and password. If clicking on the link is essentially opening your door to scammers, logging in is akin to putting one foot through that door by sharing your personal banking information with them.

Never share your OTP

Now is not the time to share. Your login details and One-Time PIN (OTP) are yours and yours alone. Once you logged in your username and password, you will receive an OTP from your bank as its final security measure. Do not share this OTP to anyone else, especially to the scammers through their fake websites. If you do, this is essentially putting both feet through that door. This is a wrong, bad move.

When in doubt, hover

All emails asking you to click on links are scam attacks—even if it includes the spelled out BDO website as a hyperlink. To double-check, hover your cursor on the weblink without clicking on it. A preview will reveal that it leads to a different site and not www.bdo.com.ph.

When in doubt, ask

If you are unsure of what to do, you can visit BDO Unibank on Facebook for official advisories and reminders. If you suspect that you have been scammed, you can get in touch with BDO by logging in Messenger and looking for BDO Customer Care with the blue verified checkmark from Facebook.

6 Tips to Outsmart Scammer




  1. Raquel Chiong

    Great tips momsh. I did receive fake emails and text and i just ignore it.

  2. www.WanderWoMom.com

    thanks for this. actually di ako nagbubukas ng emails talaga. suplada ako sa mga ganto hahaha. takot din sa mga links. kaya dapat wag uto uto when it comes to these things

  3. Purple Pieces

    Actually I was a victim before. I clicked a phishing link and my website was filled with ads.. lesson learned. 🙂 Now I doubt each and every single email hahaha. I’m extra careful na.

  4. MrsEnero Diaries

    Grabe ang dami talaga ngayon phishing links. I don’t click links lalo pag gamit ko mobile ko. We really have to be more cautious esp. nowadays. As for the emails, medyo hesistant talaga ako pag di ko kilala. Better be safe, than sorry.


Submit a Comment

Your email address will not be published. Required fields are marked *

Motherhood, as I live it, is a gift not everyone can appreciate until she learns to truly live it. More musings and realizations, fun discoveries, and mommy tips at Momi Berlin's blog.

Philippines Blogs

Banners for Top 30 Mama Blogs

Contact Momi Berlin

(632) 9209466387

Follow Us


Momi Berlin is a


Our Community Partners

Grab your copy now!

error: Content is protected !!

Pin It on Pinterest