Victims may receive texts or calls from unknown numbers, sometimes with or without the “+65” prefix. Scammers pose as friends, prompting victims to guess their identity. Victims provide a friend's name, thinking it's the caller. Scammers then impersonate the friend, asking victims to update contact details.

Later, scammers ask victims for loans, citing banking issues or financial trouble. Victims are given a local bank account to transfer money.

Beware of such scams!