New multi-stage telephone fraud schemes and methods of protection
Thursday, 25 June 2026Recently, cases of telephone fraud based on a complex multi-stage scheme have become more frequent, where criminals act under the pretext of "the need to declare funds." Calls typically come through messengers (Viber, Telegram).
To avoid falling for their tricks, it is important to know how this process works and how to respond correctly.
How does the scheme work?
First stage (Data collection): Criminals call under the guise of utility service employees (Water utility, Energy supply — supposedly for meter replacement), polyclinics (to clarify data or replace a medical card), the post office, or intercom maintenance companies. Their sole task at this step is to extract your personal data, card number, or SMS code, after which they immediately hang up.
Second stage (Pressure): Next comes a second call, but this time from someone claiming to be from "law enforcement agencies" or government structures (KGB, Investigative Committee, Ministry of Internal Affairs, National Bank). They tell you that the previous call was from scammers, and now you are allegedly involved in financing illegal activities or a loan has been taken out in your name. For credibility, they may call via video link in uniform and show fake forms, demanding that you keep everything secret.
Final stage (Demands): Under the pretext of "declaring and saving money," the victim is asked to transfer funds to a "safe account," leave cash in a designated location, hand it over to a "department courier," or take out as many loans as possible.
It is important to note: there is currently an active proliferation of these schemes. Criminals are automating calls and using ready-made communication templates, launching them en masse at many people simultaneously.
How to counter this and avoid becoming a victim?
To fully protect yourself and your savings, it is enough to follow a few simple rules:
• Immediately end the conversation. If you receive a call in a messenger from someone claiming to be from government agencies, banks, or utility services regarding your data or money — simply hang up. Official representatives do not use Viber or Telegram for such notifications.
• Never share SMS codes with anyone. This is the key to your banking apps and personal accounts.
No real employee of any organization will ever ask you to provide this code.
• Verify the information. If you are told that something is wrong with your account or card,
call back independently using the official phone number of your bank or agency (the bank's number is always on the back of your card).
• Do not give in to haste. Scammers always rush you so that you do not have time to think.
Take a pause — real law enforcement officers will not resolve issues over the phone in an "urgent right now" mode.
• Share the information with loved ones. Tell your relatives about this scheme,
especially the elderly, as they are most often the ones targeted.
Stay vigilant and trust only verified sources of information!
