Chega uma mensagem de um número desconhecido dizendo ser o teu filho ou a tua filha escrevendo de um celular novo. Aí inventam uma conta urgente que não dá pra pagar porque o 'app antigo' do banco sumiu. É o sucessor digital do velho 'Enkeltrick' suíço, roda em alemão, francês e italiano e costuma pedir pagamento pra um IBAN com cara de suíço, pra não levantar suspeita.

Como o golpe funciona

1. Chega um WhatsApp ou SMS: 'Oi mãe, meu celular quebrou, esse é meu número novo.'
2. Depois de um papo pra ganhar tua confiança, o 'filho' diz que tem uma conta urgente pra pagar hoje.
3. Alega que não consegue pagar sozinho porque o e-banking estava no celular quebrado ou perdido.
4. Manda uma conta bancária nova (muitas vezes estrangeira) e pede que tu transfiras o dinheiro na hora.
5. Depois do pagamento, o contato costuma sumir ou aparece uma segunda 'emergência'.

Sinais de alerta

• Um 'familiar' te contatando de um número desconhecido e fugindo de uma ligação ou chamada de vídeo.
• Urgência mais uma desculpa pra explicar por que ele mesmo não pode pagar ('app não funciona', 'travado').
• Pedido pra transferir pra uma conta com nome que claramente não é o do teu parente.
• Frases um pouco estranhas ou saudação genérica ('Oi mãe') em vez do teu nome.

Como se proteger

• Liga pra pessoa no número antigo e conhecido pra confirmar antes de fazer qualquer coisa.
• Combinem uma palavra-código de família pra emergências de verdade.
• Nunca transfiras dinheiro só por causa de uma mensagem de um número novo.
• Denuncia ao NCSC/BACS, depois bloqueia e apaga o número.

Es kommt eine Nachricht von einer unbekannten Nummer, angeblich von Deinem Sohn oder Deiner Tochter, die von einem neuen Handy schreiben. Dann erfindet man eine dringende Rechnung, die man nicht zahlen könne, weil die 'alte' Banking-App weg sei. Es ist der digitale Nachfolger des alten Schweizer 'Enkeltricks', läuft auf Deutsch, Französisch und Italienisch und verlangt die Zahlung oft auf eine Schweizer aussehende IBAN, um keinen Verdacht zu wecken.

So funktioniert die Masche

1. Es kommt ein WhatsApp oder SMS: 'Hallo Mama, mein Handy ist kaputt, das ist meine neue Nummer.'
2. Nach etwas Smalltalk, um Dein Vertrauen zu gewinnen, sagt das 'Kind', es gebe eine dringende Rechnung, die heute bezahlt werden müsse.
3. Es behaupte, selbst nicht zahlen zu können, weil das E-Banking auf dem kaputten oder verlorenen Handy war.
4. Man schickt ein neues Bankkonto (oft im Ausland) und bittet Dich, das Geld sofort zu überweisen.
5. Nach der Zahlung bricht der Kontakt oft ab, oder es folgt ein zweiter 'Notfall'.

Warnsignale

• Ein 'Familienmitglied', das Dich von einer unbekannten Nummer kontaktiert und einen Anruf oder Videoanruf vermeidet.
• Dringlichkeit plus eine Ausrede, warum es selbst nicht zahlen kann ('App geht nicht', 'gesperrt').
• Die Bitte, auf ein Konto zu überweisen, dessen Name klar nicht Deinem Angehörigen gehört.
• Etwas seltsame Formulierungen oder eine allgemeine Anrede ('Hallo Mama') statt Deines Namens.

So schützt du dich

• Ruf die Person auf der alten, bekannten Nummer an, um es zu bestätigen, bevor Du irgendetwas tust.
• Vereinbart ein Familien-Codewort für echte Notfälle.
• Überweise nie Geld nur wegen einer Nachricht von einer neuen Nummer.
• Melde es ans NCSC/BACS, dann blockiere und lösche die Nummer.

A message arrives from an unknown number claiming to be your son or daughter writing from a new phone. Then they invent an urgent bill they can't pay because the 'old' banking app is gone. It's the digital successor to the old Swiss 'Enkeltrick', runs in German, French and Italian and often asks for payment to a Swiss-looking IBAN so it doesn't raise suspicion.

How the scam works

1. A WhatsApp or SMS arrives: 'Hi Mum, my phone broke, this is my new number.'
2. After a bit of small talk to win your trust, the 'child' says there's an urgent bill to pay today.
3. They claim they can't pay it themselves because e-banking was on the broken or lost phone.
4. They send a new bank account (often foreign) and ask you to transfer the money straight away.
5. After the payment, contact often stops or a second 'emergency' appears.

Warning signs

• A 'family member' contacting you from an unknown number and dodging a call or video call.
• Urgency plus an excuse for why they personally can't pay ('app not working', 'locked out').
• A request to transfer to an account whose name clearly isn't your relative's.
• Slightly odd phrasing or a generic greeting ('Hi Mum') instead of your name.

How to protect yourself

• Call the person on their old, known number to confirm before doing anything.
• Agree a family code word for real emergencies.
• Never transfer money just because of a message from a new number.
• Report it to the NCSC/BACS, then block and delete the number.

Llega un mensaje de un número desconocido que dice ser tu hijo o tu hija escribiendo desde un móvil nuevo. Entonces inventan una factura urgente que no pueden pagar porque la app 'antigua' del banco desapareció. Es el sucesor digital del viejo 'Enkeltrick' suizo, funciona en alemán, francés e italiano y suele pedir el pago a un IBAN con aspecto suizo para no levantar sospechas.

Cómo funciona la estafa

1. A WhatsApp or SMS arrives: 'Hi Mum, my phone broke, this is my new number.'
2. After a bit of small talk to win your trust, the 'child' says there's an urgent bill to pay today.
3. They claim they can't pay it themselves because e-banking was on the broken or lost phone.
4. They send a new bank account (often foreign) and ask you to transfer the money straight away.
5. After the payment, contact often stops or a second 'emergency' appears.

Señales de alerta

• A 'family member' contacting you from an unknown number and dodging a call or video call.
• Urgency plus an excuse for why they personally can't pay ('app not working', 'locked out').
• A request to transfer to an account whose name clearly isn't your relative's.
• Slightly odd phrasing or a generic greeting ('Hi Mum') instead of your name.

Cómo protegerte

• Call the person on their old, known number to confirm before doing anything.
• Agree a family code word for real emergencies.
• Never transfer money just because of a message from a new number.
• Report it to the NCSC/BACS, then block and delete the number.

Un message arrive d'un numéro inconnu prétendant être ton fils ou ta fille qui écrit d'un nouveau téléphone. Puis on invente une facture urgente impossible à payer parce que l'ancienne appli bancaire a disparu. C'est le successeur numérique du vieux 'Enkeltrick' suisse, il tourne en allemand, français et italien et demande souvent le paiement sur un IBAN d'allure suisse pour ne pas éveiller les soupçons.

Comment l'arnaque fonctionne

1. A WhatsApp or SMS arrives: 'Hi Mum, my phone broke, this is my new number.'
2. After a bit of small talk to win your trust, the 'child' says there's an urgent bill to pay today.
3. They claim they can't pay it themselves because e-banking was on the broken or lost phone.
4. They send a new bank account (often foreign) and ask you to transfer the money straight away.
5. After the payment, contact often stops or a second 'emergency' appears.

Signaux d'alerte

• A 'family member' contacting you from an unknown number and dodging a call or video call.
• Urgency plus an excuse for why they personally can't pay ('app not working', 'locked out').
• A request to transfer to an account whose name clearly isn't your relative's.
• Slightly odd phrasing or a generic greeting ('Hi Mum') instead of your name.

Comment te protéger

• Call the person on their old, known number to confirm before doing anything.
• Agree a family code word for real emergencies.
• Never transfer money just because of a message from a new number.
• Report it to the NCSC/BACS, then block and delete the number.

Arriva un messaggio da un numero sconosciuto che dice di essere tuo figlio o tua figlia che scrive da un telefono nuovo. Poi inventa una fattura urgente che non può pagare perché la 'vecchia' app della banca è sparita. È il successore digitale del vecchio 'Enkeltrick' svizzero, gira in tedesco, francese e italiano e spesso chiede il pagamento su un IBAN dall'aria svizzera per non destare sospetti.

Come funziona la truffa

1. A WhatsApp or SMS arrives: 'Hi Mum, my phone broke, this is my new number.'
2. After a bit of small talk to win your trust, the 'child' says there's an urgent bill to pay today.
3. They claim they can't pay it themselves because e-banking was on the broken or lost phone.
4. They send a new bank account (often foreign) and ask you to transfer the money straight away.
5. After the payment, contact often stops or a second 'emergency' appears.

Segnali d'allarme

• A 'family member' contacting you from an unknown number and dodging a call or video call.
• Urgency plus an excuse for why they personally can't pay ('app not working', 'locked out').
• A request to transfer to an account whose name clearly isn't your relative's.
• Slightly odd phrasing or a generic greeting ('Hi Mum') instead of your name.

Come proteggerti

• Call the person on their old, known number to confirm before doing anything.
• Agree a family code word for real emergencies.
• Never transfer money just because of a message from a new number.
• Report it to the NCSC/BACS, then block and delete the number.