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How to avoid "SIM swapping" scams

What is SIM swapping?

SIM swapping is a form of cybercrime where a
scammer takes control of your phone number. Once they do, they can access
your bank accounts, passwords, and even steal your funds.

How does this scam work?

  1. The fraudster starts by stealing your personal information (name, address, date of birth, etc.).
  2. He contacts your operator and claims that his phone has been lost or stolen .
  3. The operator, thinking they are talking to you, transfers your number to a new SIM card.
  4. The criminal inserts this new SIM into his phone — and receives all your text messages, calls, and authentication codes.

From that moment on, your own phone becomes unusable, and the scammer can reset your passwords and empty your accounts.

Why is it dangerous?

SIM swapping bypasses one of the most widespread security measures:
two-factor authentication via SMS .
When a bank sends a one-time code, it arrives directly on the fraudster's phone.

"Even if you have your phone in your hands, a scammer can already control your number."

The alarming figures

According to the FBI :

  • Between 2018 and 2020: 320 complaints for $12 million in losses.
  • In 2021: 1600 complaints.
  • In 2022: more than 2000 complaints, totaling $141 million in losses.

How to protect yourself

  • Don't share too much information on social media (workplace, family, city...).
  • Use a password or secret code for any changes to your phone account.
  • Activate a physical security key (USB key) for two-factor authentication, instead of an SMS code.
  • Never publish information related to your cryptocurrencies or investments online.

What should you do if you are a victim?

  1. Contact your telephone operator and your banks .
  2. Report the fraud to FBI :

Other similar scams

In October 2023, the FBI warned of another scam called
"Phantom Hacker .
It begins with a message or pop-up window claiming to be from technical support.

Scammers ask for remote access to your computer to
"check for malware." Then, they simulate a hack and trick you
into transferring your money to a "secure account."
Never download software at the request of a stranger or in response to an unexpected message.

Conclusion

SIM swapping isn't just for tech experts: anyone can be targeted.
By strengthening your security measures and limiting what you share online,
you drastically reduce the risks.
Stay vigilant—your phone number is your digital identity.

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