Every October, the EU runs European Cybersecurity Month (ECSM), a campaign to raise awareness and share practical tips on staying safe online. Led by ENISA and the European Commission, it highlights the importance of cyber hygiene for both citizens and organizations.
This year, with digital threats evolving, the spotlight is on phishing, smishing, and online fraud. In this blog, we’ll show you how to recognize fake bank emails and text messages, safeguard your information, and take the right steps if you fall victim.
Why phishing and smishing remain top threats?
Even in 2025, phishing via email and smishing via SMS are among the most common ways fraudsters target banking users. Several factors contribute to this:
Recent data highlights the scale of the threat:
Because banks handle large amounts of money and sensitive data, they are prime targets for fraudsters. This makes vigilance essential for all users.
Scammers can make fake emails or texts look almost real. But if you look closely, there are always small signs that something isn’t right. Here’s what to watch out for:
Real Paytend emails always come from “@paytend.com.” If you see something like “paytend-secure.com” or any random address, it’s not from us.
Fake messages often have typos or strange wording, like “Dear Userr” or “Urgent AcTiOn required.” These are clear warning signs.
Never click on a link or open an attachment you weren’t expecting. A link might look normal, but actually lead to a fake website. You can hover your mouse over it (or long-press on mobile) to see the real address before clicking.
If a message says things like “Your account will be locked in 24 hours” or “Verify now,” it’s trying to make you panic. Scammers use this pressure so you react quickly without thinking.
If the subject line says “Bank update” but the message talks about something else, it’s likely a phishing attempt.
Tip: When in doubt, stop and double-check. Go directly to the Paytend website or app instead of clicking any links. It’s always safer to confirm through official channels.
The best way to stop online fraud is to stay alert and follow a few smart habits. Here’s how you can protect your account and your money:
If something feels off, don’t click. Open the official Paytend app or type paytend.com directly into your browser instead. Scammers often use fake links to trick you into sharing your details.
If you’re not sure a message is real, contact us through the in-app chat or email service@paytend.com. Never reply to a message that looks suspicious.
Always install the latest version of the Paytend app. Updates often include new security features that help protect against phishing and other threats.
Never share your PIN, full card number, passwords, or one-time codes through calls, texts, or emails, even if the message looks urgent. Only provide information when you’ve contacted us through verified Paytend channels.
Turn on 2FA wherever possible. It adds another layer of security, making it harder for anyone else to access your account even if they have your password.
Some texts may look like they’re from Paytend, saying things like “Your account is at risk, click here.” These are fake. Never click on links in such messages; always log in through the official app or website instead.
Staying cautious doesn’t mean being afraid. It means staying one step ahead. When in doubt, stop and verify before taking any action.
If you think you may have clicked a fake link, shared information, or responded to a suspicious message, act fast. Quick action can limit damage and help protect your money.
Lock your card or account right away
Go to our Help Center for step-by-step instructions:
Lock your card – Lost or Compromised Card
Contact Paytend Support
Use the in-app chat or email service@paytend.com to report what happened. Our team will guide you on what to do next.
Change your passwords and security codes
If you use the same email or password for other accounts, change them immediately. Also, update your two-factor authentication (2FA) settings if you use them.
Keep a record of what happened
Take screenshots of the suspicious message or email. Save any links or attachments you received and note the date and time. This can help our investigation.
Monitor your account activity
Check your Paytend account and card statements carefully. Report any transactions you don’t recognize as soon as possible.
Remember: Acting fast makes a big difference. The sooner you report and secure your account, the higher the chance of preventing further loss or recovering funds.
Online fraud might seem rare, but the impact is much bigger than it looks. Here’s what recent reports show:
These numbers may look small when written as a percentage, but in terms of total value and personal harm, they are significant.
This October, as we celebrate European Cybersecurity Month, we invite all Paytend users to stay extra alert online. Phishing and smishing scams are not going away, but the more you know, the safer your money and personal data will be.
Here are a few simple things you can do today:
Share this blog with your friends and family. Cybersecurity works best when everyone stays informed.
Bookmark our fraud prevention guides and keep our support contacts close, so you can act quickly if something looks suspicious.
Teach others what you have learned, the red flags to look for, and the safe habits to follow.
Stay alert. Stay safe. And thank you for being a vigilant member of the Paytend community. Together, we can make online banking safer for everyone.
Last edit: 27.10.2025