Scammers rely on pressure. Taking a moment beats them.
Most scams work by getting you to act before you have time to think. This page explains what we will never ask you for, the tricks we see most often, and what to do if something feels wrong.
If you are on a call right now and someone is asking you to move money, hang up. You can always reach us by writing to info@silvermerebank.com.
There are four things we will never ask you for.
Not by phone, email, text, chat or social media. Anyone who asks for one of these is not Silvermere Bank, even if the call or message looks real.
Your password or PINs
Your sign in PIN and transaction PIN are for you alone. Our staff cannot see them and will never ask for them.
Your sign in codes
The codes we email you are only for signing in yourself. Never read one out or forward it to anyone.
A move to a "safe account"
We will never tell you to move your money to protect it. That request is always a scam.
Control of your device
We will never ask you to install an app that lets someone else see or control your phone or computer.
These are the scams we see most often.
They change their story all the time, but the goal is always the same: your money or your details.
Someone pretending to be us
A caller says they are from our fraud team, the police or another bank, and that your account is at risk. They sound calm and official, and they may already know some of your details.
Refunds and grants that need a fee
A message says you are owed a tax refund or have won a grant, and asks for a fee or your login to release it. Real refunds and grants never ask you to pay first.
Links in emails and texts
A message asks you to confirm your details or unlock your account through a link. The page looks like ours, but it collects what you type.
Romance and friendship
Someone you met online builds trust over weeks, then needs money for an emergency, a ticket or a fee. You have never met them in person.
Investments that cannot lose
Guaranteed high returns, often in crypto, with screenshots of other people's profits. Early withdrawals may work to win your trust.
Buying and selling online
A seller wants payment by bank transfer for something that never arrives, or a buyer overpays and asks you to send the difference back.
Stop and check if you notice any of these signs.
One of them is enough reason to pause. Hang up, close the message and contact us using the details on this website.
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You are told to act nowScammers invent deadlines so that you do not stop to think or talk to anyone.
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You are told to keep it secretA real bank never asks you to hide a payment from us, your family or a branch.
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You are asked to pay in an unusual wayGift cards, crypto and transfers to people you have never met are hard to get back.
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A link looks almost rightOne letter different in the address, or a page that asks for more than we normally do.
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It sounds too good to be trueA prize you did not enter, a grant you did not apply for, a return nobody else offers.
Check your alerts
We email you whenever your password, PINs or sign in settings change. If you did not make the change, tell us straight away.
Check your devices
Settings in online banking lists every device signed in to your profile. Sign out any you do not recognise.
Check the payee
When you send money to another customer, we show the name on the account before you confirm. If it is not who you expected, stop.
Talk to someone
Telling a friend or family member what is happening is often enough to see the scam for what it is.
If you think you have been scammed, act quickly.
The sooner we know, the more we can do. You will not be judged for it. Scammers are skilled, and it happens to careful people too.
Stop any more payments
Freeze your card in online banking, and do not send anything else, even if you are promised your money back.
Tell us straight away
Open a thread from the Support page in online banking, or write to info@silvermerebank.com. Include what happened and the payments involved.
Secure your profile
Change your password and both PINs in Settings and sign out devices you do not recognise. You can also report it at ReportFraud.ftc.gov.