A new scam is worrying MB WAY users in Portugal. It all starts with a seemingly harmless message, where the sender claims to have mistakenly transferred a small amount, usually just over two euros. The problem? A few minutes later a second SMS arrives, with a false link, which invites the user to “confirm” or “return” the amount. This is where the fraud takes place.
The digital trap that is deceiving consumers
According to the TSF, this scheme aims to trick the user into clicking on a malicious link that gives direct access to their bank account.
By doing so, the fraudster is able to obtain personal and access data, which allows him to move money as if he were the account holder.
DECO confirms that it has already received dozens of complaints from victims of this fraud. Luís Pisco, a jurist at the consumer protection association, explained to TSF that this is a “very well disguised” fraud, because it uses small amounts and credible language.
“The objective is to deceive the consumer and get them to trust. By clicking on the link, the fraudster will have full access to the bank account”, he stated.
Fake messages and dangerous links
The messages sent by fraudsters are designed with logos, colors and expressions identical to those of well-known banks or institutions. Often, the only difference is in the link address — which leads to a fake page, visually identical to MB WAY.
According to the TSF, this fraud method has become increasingly common, exploiting consumers’ digital routine and frequent use of quick payments. The simplicity of the message and the reduced value make the scam more convincing.
How to react and protect yourself
DECO advises anyone who receives a message of this type not to respond or open the link. “No reputable entity asks for money refunds via SMS”, highlights Luís Pisco.
The lawyer also recommends that, in case of doubt, contact the bank directly through official channels, and never through the contact details provided in the message received.
If the fraud occurs via telephone call, the advice is the same: hang up immediately. “You should never speak to the fraudster as soon as you suspect it is a scam, as even your voice can be used later to deceive other people”, he adds.
What to do if you are a victim
Anyone who has already followed the link or provided bank details should act quickly: contact the bank, block MB WAY and file a complaint with the authorities.
Complaints can be made to the PSP, GNR or Judiciary Police, which have teams specialized in cybercrime.
In parallel, DECO recommends also reporting to the association itself, to reinforce public alert and prevent new victims.
Digital fraud on the rise
In recent months, schemes involving MB WAY have been increasing. According to , criminals rely on new strategies to overcome users’ distrust, often using artificial intelligence and social engineering techniques.
The appeal to urgency and the tone of confidence continue to be the main weapons of fraudsters, who take advantage of momentary distractions to carry out the scam.
The message is simple: don’t trust unsolicited contacts and never return money without directly confirming the origin.
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