SIM swap fraud—also known as SIM hijacking—occurs when a scammer convinces your mobile carrier to transfer your phone number to a new SIM card that they control. Once they gain control of your number, they can intercept text messages and calls, including those used for two-factor authentication (2FA), giving them unauthorized access to your online accounts.
This type of identity theft is particularly dangerous because it bypasses standard security measures. Hackers often start by gathering information about you through phishing emails, data breaches, or social media. With enough details, they impersonate you and convince a customer service agent to switch your number to their device.
Once successful, the attacker can access your bank, email, crypto, and social media accounts. They can reset passwords using the stolen phone number and even lock you out completely. This not only causes financial loss but also threatens your digital identity and online reputation.
To protect yourself, use app-based 2FA like Google Authenticator instead of SMS, create a strong PIN with your mobile carrier, and limit the personal information you share online. If you notice a sudden loss of service on your phone, act quickly—it could be a sign your number has been hijacked.
