Keep your codes private
Never share a PIN, password or one-time code (OTP), even with someone offering to help. Do not keep them in ordinary phone messages.
HomeProtect yourself from scams
Small steps for everyday life.
Verify through an independent channel
Do not rely on the number or link in a suspicious message. Find the institution’s contact details independently and verify the request.
Watch for pressure to pay
An unsolicited loan, a prize that requires an upfront payment or a request to send money to a personal account are reasons to stop and check.
Act promptly if something goes wrong
If your phone is lost or secrets have been shared, contact your provider through a verified channel. Ask how to secure your services and keep messages and receipts. Do not pay someone promising to recover the money.
“Your loan is approved. Pay first.”
If you did not apply, do not follow the link or pay. Verify with the SACCO first. A name or logo in a message does not prove who sent it.
Three questions for your SACCO.
- Which service channels does the institution authorise?
- Who should I contact if my phone is lost or I suspect fraud?
- How can I report a problem or make a complaint?
This guide helps you prepare. The SACCO confirms its current services, charges and requirements.