The Simple Rule to Keep Your Wallet Safe from Call Scams
Protect your mobile banking apps from modern phone scams. Learn why real bank agents will never ask for your digital wallet PIN or OTP codes.
By Suraj Singh
Digital banking has made managing family funds incredibly smooth. With a quick Fonepay scan, you can pay for school fees or electricity bills instantly. However, as digital wallets grow, scammers are changing their tactics to target families receiving money from overseas.
Fraud in Nepal rarely happens through complex software hacking; instead, it happens through social engineering phone calls.
Scammers frequently exploit the central bank's mandatory eKYC or Customer Due Diligence (CDD) updates. A stranger will call your phone pretending to be a digital wallet support agent or bank official, claiming your incoming remittance is blocked or your account will be frozen permanently unless you verify your identity right away.
- Real Agents Never Ask: Official staff from eSewa, Khalti, or commercial banks will never ask you to speak your 4-digit PIN or read a One-Time Password (OTP) over a phone call or Viber message.
- The Key Rule: Treat your mobile wallet PIN exactly like the physical key to your home locker. The moment you give an OTP or PIN to a caller, they can access your balance within seconds.
- What to Do: If a caller pressures you for account details, hang up immediately. Open your app independently and contact the verified customer support helpline listed inside the platform.