What to do when something goes wrong

Plain steps, in the order to do them. You don't need to sign in. If your phone lost signal for no reason, start with the SIM swap guide.

• If someone gets into your bank accountAct within the hour if you can. Money moves fast, and the sooner your bank knows, the more it can do to stop transfers or to trace and hold the money.
• If you think your SIM has been swappedA SIM swap means someone got your number moved to a SIM they control. They then receive your calls and codes, which lets them reach your bank and other accounts. Speed matters, because money can leave within minutes.
• If your BVN has been exposedA leaked BVN doesn't let anyone take your money on its own. The risk is that scammers combine it with other details, such as your phone number, to sound convincing, to try to take over an account, or to open accounts and loans in your name. Your BVN can't be changed, so the goal is to catch misuse early.
• If your NIN has been exposedYour NIN identifies you across your SIM, your bank and government services. It can't easily be changed, so the aim is to catch misuse early. Most misuse is someone registering a SIM, an account or a loan in your name.
• If your details are being used in scamsWhen your phone number or email turns up in leaks or scam reports, expect more calls, texts and emails. Some may pretend to be your bank, a delivery company, a government grant or a relative. Some may even use your own number to reach the people you know.
• If your health information has been exposedHealth records can include your name, address, phone number, medical conditions and insurance details. The main risks are scams that use your real medical details, threats to reveal them, and discrimination. A leak of medical information is serious even when no money is taken.