How It Takes a Criminal Only 82 Seconds To Access Your Bank Account

how criminals access your bank account

Fake Phone Calls Have Fake Background Noise or Change Voice

You’ve heard of caller ID spoofing, but did you know that it’s effortless for anyone nowadays to call you and make your phone display show any number and name they want? They don’t even need to be tech-savvy or have access to any special software. Let me explain.

There are apps for everything today: to order food, to place filters on your pictures, or to find cheap flights. There is also one that allows any user to change the number that shows on a recipient’s phone display. Also, the caller can add various background noises to make you believe he is in a busy office. How does it work?

Watch the video below to see how scammers can change not just the background noise but their voices as well:

The app is not just a mobile app but a desktop as well. Crooks don’t even need to download the app on their phone; they can make desktop calls!

Now imagine this: your phone rings and the display shows the name of the local police. When you pick up, you hear an ‘officer’. Meanwhile, Police sirens can be heard in the background. Would you believe it is a scam? Here is more.

The same thing as above happens when criminals use your local banks’ names and numbers. According to Tony Sales, who has been dubbed as ‘Britain’s greatest fraudster,’ it could take only 82 seconds for a victim to believe the call is legitimate and hand over their bank account. In a UK-based TV show called Undercover: Nailing the Fraudsters, quoted by Daily Mail, Sales explains how scammers operate.

The app is legal in the US, but for example, in the UK, “users must have expressed permission from the person being called in order to spoof call them,” which barely makes sense. The app is also supported in Canada and Mexico.

caller id scam

For users in other countries, the SpoofCard website states, “It’s your responsibility to determine whether the use of the app and other capabilities of SpoofCard is legal in the country where you are calling to and from.”

Popular Feature: Calls Go Straight To Voicemail

The app is free, but users must buy credits to make calls. SpoofCard uses both Pay-as-you-Go plans and monthly memberships. For 100 credits (100 minutes), they charge $100US.

Once users purchase the credits and are ready for their ‘conversation,’ they type in the number they want to ring. Then, they type in the caller ID to be displayed on the recipient’s phone to disguise their identity. From there, the call is connected.

how to make phone calls showing a different number


SpoofCard offers various packages with different pricing options. The majority of SpoofCard calls only cost one credit per minute, and the cost of credits varies depending on the package purchased. The packages range from $7.95 to $49.95, with the number of credits increasing with the price.

International destinations outside of North America, typically to international mobile phones, may cost more, and the per-minute credit cost is displayed on the SpoofCard website and apps once the user enters the number they would like to call.

How Scammers Get You

Scammers typically use the “suspicious activity on your bank account” plot, luring victims into handing over their bank account details. There is also a feature in the app that lets the user send his call straight to voicemail. This feature is trendy amongst scammers as they avoid conversation and only leave call-to-actions in the voice message.

The fake background noises that can be added to the calls vary from Police, traffic, casinos, and dogs to interference and airport sounds.

As of December 2023, the makers of the app claim to have over 6 million users and has helped place over 300 million phone calls. However, who knows how many of these were legitimate.

The original intention of the SpoofCard creators was to provide professionals an option to use their cell phones to respond to business calls from home (evenings, weekends) without revealing their personal numbers.

One of the testimonials on their website is from a doctor who said: “I respond to emergencies from my home and mobile phone. Using SpoofCard, I can maintain my privacy so clients only see my work number”.

Spoof Calls: How To Report

Warn your family and friends know about these type of spoof calls. Feel free to share the article if it was helpful. However, you can report scammers and any suspicious activity officially to the Federal Trade Commission, the Office of the Inspector General, and the FBI Internet Complaint Center by using the pages below:

Report To The FTC
Submit Claim To The Office of the Inspector General
Report To The FBI Internet Complaints Center

How To Protect Yourself More

Use our free scam checker to see the validity of any website you are about to engage with.

Meanwhile, do you want to receive alerts about the most notorious scams on a regular basis? Subscribe to our scam alerts. You will receive periodic emails from Scam Detector with exclusive tips. Those will include info on how to prevent fraud and insights about the newest tools you can use to fight crime.

Feel free to explore additional articles on related fraud. You can find them listed below this paragraph, so that you know more about online security. Last but not least, if you had any bad experiences, make sure to use the comments section below to expose other scammers.

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selma hrynchuk
Selma HrynchukSelma is a fraud prevention specialist renowned for her expertise in private eye investigations and a remarkable partnership with law enforcement agencies. Beyond her investigative triumphs, her public speaking engagements and written works have empowered countless individuals to protect themselves and stay ahead of deceptive schemes. Selma's legacy shines as a tenacious agent of change, unyielding in her commitment to battling fraud and ensuring a safer world for all.

2 thoughts on “How It Takes a Criminal Only 82 Seconds To Access Your Bank Account”

  1. Barrie Templeton

    I am fairly active on the web, and I can confirm that I have seen just about every one of these scams. To see how easy it is to make a legitimate-looking site or come-on message is sobering for sure.
    I will be extra-cautious because of your valuable tips. Thank you!!

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