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.
Signs
- Your phone suddenly loses signal and stays that way, or says the SIM isn't registered.
- You get messages about a SIM change or a number transfer you didn't ask for.
- Your bank or email sends alerts, or codes you didn't ask for.
Do these now
- Use another phone to call your network operator. Use the official customer line, not a number from a message. Tell them your SIM was swapped without your consent and ask them to block it and restore your line.
- Call your bank next. Use the number on your card or in the bank's app. Ask them to freeze your accounts and cards until you've confirmed it's you.
- Change your email password first, from a device you trust. Then change the passwords for your bank, social media and shopping accounts.
- Check your recent transactions and any new loans or accounts opened in your name.
Then
- Report it to the police and ask your operator for a written record of what happened.
- If your operator doesn't fix it, complain in writing. You can escalate to the telecoms regulator's consumer channels.
- Move your important accounts off SMS codes. Use an authenticator app where an account offers one.
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. They are what a swap request is built from.