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If you think your SIM has been swapped

A 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.

Signs

  • Your phone suddenly loses signal and stays that way, or says the SIM isn't registered. Ask someone nearby on the same network whether they have signal. If they do, treat yours as a swap until you know otherwise.
  • You get a message about a SIM change or number transfer you didn't ask for.
  • Your bank or email sends alerts, or codes you didn't ask for.
  • You can't get into accounts that use your number.

Do these now

  1. Use another phone or a computer to reach your bank first. Use the number on your card or in the bank's app. Ask them to freeze your accounts and cards until you have confirmed it's you. If you can, do it from the bank's app on a device you trust.
  2. Then contact your network operator. Use its official customer line or a shop you walk into, not a number from a message. Say your SIM was swapped without your consent and ask them to block the new SIM and restore your line.
  3. Ask the operator how the swap was approved, and which outlet or agent did it. Ask for this in writing.
  4. Change your email password first, from a device you trust. Then change the passwords for your bank, social media and shopping accounts. Treat any account that sends codes to your number as at risk.
  5. Check your recent transactions, and look for new loans or accounts opened in your name.

Then

  1. Report it to the police, or to the EFCC for online fraud, and keep the report.
  2. If your operator doesn't fix it, complain in writing. You can escalate to the Nigerian Communications Commission's consumer channels.
  3. Move your important accounts off SMS codes. Use an authenticator app where an account offers one, and set your own recovery email that only you can open.
  4. Check your WhatsApp and social media. Attackers often take them over next to ask your contacts for money.

Going forward

  • Ask your operator whether you can add a PIN or password to your account, so no one can move your number without it.
  • Keep your NIN, BVN, date of birth and address private. A swap request is built from them.
  • Don't tell anyone which bank you use, and don't post your phone number publicly.