New Delhi: Several instances of senior citizens falling prey to fraudsters often come to the fore. On a regular basis, banks issue advisories for customers with an aim to educate them about the digital and other scams. Bank of Baroda (BOB) has issued an advisory for its customers, including senior citizens, pensioner customers as well as its former employees, asking them to stay cautious of fraudulent messages received via phone, WhatsApp, or SMS. The government-owned lender has also shared information about common fraud methods and also listed ways to protect oneself from cybercrime.

“Bank of Baroda urges customers, especially senior citizens and pensioners, to remain vigilant against fraudulent messages and fake “Pensioner Card” offers circulating online.

Please verify any such communication only through official Bank of Baroda channels or by visiting your nearest branch,” BoB’s message read.

The bank said there has been a recent increase in digital fraud incidents, especially targeting pensioners and senior citizens. Fake messages and images to a so-called “Pensioner Card” are being circulated on social media and WhatsApp.

The lender alerted its customers by stating that Bank of Baroda has NOT issued any new Pensioner Card through social media or links Any Pensioner Card or offer circulating on the internet is NOT authorised by the Bank.

While alerting its customers, BoB listed down some common fraud tactics which are:

• Sending fake Pensioner Cards


• Asking for OTP, PIN, CVV, Aadhaar, PAN, or bank details


• Sending links for “pension update” or “verification”


• Claiming to be Bank officials or government staff


• Remember: Bank of Baroda will never ask for confidential information over phone, WhatsApp, or SMS.

How to stay safe from scamsters/fraudsters

• Do not click on unknown links


• Never share OTP/PIN/passwords


• Do not install any app or screen-sharing app on someone’s advice


• Verify information with your family member or Bank branch

What to do if suspicious call or message is received

• Do not respond


• Do not click on any link


• Immediately contact your nearest Bank of Baroda branch or official customer care


• Your awareness is your best protection