While digital banking has simplified managing money, it has also opened doors for cybercrime. OneCard has warned users about a rising WhatsApp screen mirroring scam, in which fraudsters can access mobile screens in real time, putting banking details, OTPs, UPI PINs, and personal data at risk.
WhatsApp screen mirroring fraud involves tricking users into sharing their phone screens during video calls or activating screen-sharing features. Once accessed, scammers can view sensitive banking details and private messages, enabling unauthorised transactions and even account takeovers.
The scam operates in multiple stages. Fraudsters impersonate bank officials, claim urgent account issues, and persuade victims to share their screens. Through real-time monitoring, they capture OTPs, passwords, and banking activity to execute fraud or hijack digital wallets.
In some cases, victims are asked to install malicious apps or keyloggers, which record every typed action. This allows criminals to steal account credentials, UPI PINs, and personal data, facilitating unauthorised fund transfers or identity theft without the user’s knowledge.
Stolen information can be used to drain bank accounts, hijack digital wallets, or commit identity theft. OneCard highlights that a single lapse, such as sharing OTPs or passwords, can compromise financial security and expose users to major monetary losses.
Users should verify caller identity using official numbers or websites, enable two-factor authentication, and share screens only with trusted contacts. Keeping devices updated and installing apps from verified sources reduces exposure to this scam and strengthens overall digital security.
Users are advised to avoid acting under pressure during calls claiming urgency, not use banking or payment apps while screen-sharing, and refrain from clicking unknown links or downloading apps from unofficial sources. Staying cautious prevents scammers from exploiting panic or trust.
Experts caution that those less familiar with digital tools, particularly senior citizens, are often targeted. Fraudsters exploit unfamiliarity, and educating family members, staying calm, and verifying requests are essential steps to prevent financial and identity theft.
OneCard advises never sharing screens or OTPs with anyone claiming to be from a bank. Remaining alert, verifying requests, and using security features like two-factor authentication are the most effective ways to safeguard digital finances against WhatsApp screen mirroring fraud.
