The importance of being able to differentiate a real alert from a fake one cannot be overemphasized. Fake alerts are pointers to fraud. No one wants to lose their money and you especially don't want your accounts to be open or vulnerable to theft. While all banks send alerts, they all have different formats. No two banks share the same format

This article focuses on debit alerts from UBA.

It is important to note that there are lots of variations of fake debit alerts but just one format for genuine ones. It's easier to spot a fake debit alert when you know what a genuine one should look like.

Features of a genuine UBA debit alert

1. Sender's I.d should show "UBA".
2. It contains details of the transaction, including the date and time.
3. A real UBA debit alert would only be sent to the number registered with your bank.

 UBA debit alert format

A credible debit alert from UBA follows this format:

Txn: Debit

Ac:2xx..23x

Amt: NGN 2,000.00

Des: pos purchase@...

Date:13-March-2022 16:09

Bal: NGN 15,545.00

Download bit.ly/newUBAmobile.

To verify, you can click on the link at the end of the message, which should take you to the bank's web page. If you're taken to a page where your details are asked for, it's a scam.

Differences Between a Real UBA Debit Alert and a Fake one.

1. A fake debit alert would not appear on your bank's message thread on your phone.
2. A genuine debit alert can be verified using USSD or your bank's mobile app.
3. A real bank debit alert would have your current balance and would tally with what you had previously based on your transaction history.
4. Fake debit alerts are most likely to have misspelt words.
5. Genuine debit alerts are gotten only when you perform a transaction.
6. Fake debit alerts would not reflect in your account and you would also not get an email notification of such.

For anyone to be able to send you a fake debit alert, they need your phone number and account number. As a business person, these details are not hidden. But what such dubious persons are not privy to is your account balance.

This is why when you receive any alert, do your calculations and see if the account balance is showing what it ought to be.

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