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CRITICAL phishing Share

WhatsApp or SMS from "your bank" tells you to install a KYC update app that silently drains your account

A WhatsApp or SMS appears to be from your bank saying KYC is pending, with a link to install an APK. The app silently steals OTPs, card PINs, and Aadhaar, then empties your account — no phone call needed.

Also known as: fake bank KYC APK, KYCShadow malware, banking trojan WhatsApp, BOI PAN Card APK scam, fake KYC update app fraud

What to do right now

  1. 1 Never install any .apk file received via WhatsApp or SMS — real KYC updates use the official bank app from the Play Store or a branch visit
  2. 2 If you already installed the app: immediately remove your SIM card and call your bank from a different phone to freeze your account and block UPI
  3. 3 Factory-reset your Android device to eliminate the malware; do not re-insert your SIM until the reset is complete
  4. 4 After the reset, change all banking PINs and passwords from a clean device and re-enable 2FA
  5. 5 If you installed any 'support' or 'server' or 'refund app' or remote-access app at the scammer's request (AnyDesk, TeamViewer, Quick Support, etc.), run free SeraphSecure (https://www.seraphsecure.com) to detect and remove it.
  6. 6 Report at https://cybercrime.gov.in or call 1930 (national cyber helpline).

Was remote-access software installed?

If a scammer asked you to install AnyDesk, TeamViewer, Quick Support, or any remote-access app, your device may still be compromised.

Run SeraphSecure to detect and remove it →

Red flags

  • Your bank will never send an APK (.apk file) on WhatsApp or SMS — real KYC is done in the bank's official app or at a branch
  • The message creates urgency: 'account will be blocked in 24 hours if KYC is not updated'
  • The app asks for Aadhaar number, PAN, ATM PIN, and OTP in sequence — real bank apps never collect your ATM PIN this way
  • After installing, you receive OTP alerts for transactions you did not initiate
  • The sending number is a regular mobile number, not the bank's official SMS short code or verified WhatsApp Business account

Known variants

  • Fake RBI account suspension APK (June 2026): WhatsApp message impersonating RBI claims 'risk control measures' flagged your account, attaches an APK, demands installation within 3 days to avoid restrictions. RBI only contacts users via two verified blue-tick numbers (99309 91935, 99990 41935). PIB Fact Check warned June 11, 2026.

    Last seen: 6/13/2026

  • Fake PM Kisan / PM Awas Yojana APK: WhatsApp or Telegram message claims installing 'PM KISAN.apk' or 'PM Awas.apk' delivers the next ₹6,000 instalment or confirms housing. APK steals OTPs and banking credentials like the KYC variant and self-propagates to all contacts. Nagaland Police and MP Cyber Cell both warned.

    Last seen: 6/11/2026

Sources

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