Free AI Powered Tool

Scam SMS & WhatsApp Message Checker

Received a suspicious text message? Paste the SMS or WhatsApp message below, or upload a screenshot — we check 25+ fraud patterns to tell you if it is safe or a scam.

SMS
WhatsApp
Bank Alert
TRAI / Govt
Prize / Lottery
Screenshot
Scam SMS & WhatsApp Message Checker
Fake Bank SMS KYC Scam Prize / Lottery Fake Job Offer Courier Scam

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How to Check if a Text Message is a Scam

Paste any SMS or WhatsApp message, or upload a screenshot — we analyse it for fraud in seconds.

1

Paste or Upload

Paste any suspicious SMS or WhatsApp text, or switch to Screenshot Scan and upload an image of the message.

2

AI Runs 25+ Checks

We scan for fraud keywords, phishing links, urgency tactics, bank impersonation, OTP requests and fake offers simultaneously.

3

Get Instant Verdict

You get SAFE or SCAM DETECTED with a trust score and exact reasons in English and Hindi within seconds.

4

Stay Protected

Use the result to decide whether to ignore, block, or report. Report scam messages directly from the result page.

What We Analyse in Every SMS & WhatsApp Message

Our AI detects all fraud patterns scammers use in India — whether you paste the text or upload a screenshot.

Scam Keyword Detection

We detect hundreds of fraud phrases like KYC blocked, account suspended, claim your prize, and OTP verify used in scam SMS across India.

Phishing Link Detection

Suspicious URLs inside the message are extracted and scanned against phishing databases, catching threats before you click.

Urgency and Pressure Tactics

Phrases like act now, last chance, or your account will be closed in 24 hours are classic smishing tactics our AI catches instantly.

Bank and Govt Impersonation

We identify messages pretending to be from SBI, HDFC, ICICI, TRAI, RBI, or government portals — the most common bank fraud messages in India.

OTP and Password Requests

Any message asking for your OTP, PIN, or card details is flagged immediately. Legitimate organizations never ask for these via SMS.

Screenshot OCR Scanning

Upload a screenshot and our AI extracts the text automatically using OCR, then runs the same complete fraud analysis on it.

More Free Scam Detection Tools

ScamDekho covers all types of online fraud. Try our other free tools to stay protected.

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Detect fake job offers and fraudulent recruiters

Real Scam Messages That Fooled Indians

These cases are real. Each one used a message that looked completely legitimate.

Lucknow

Fake SBI KYC SMS with phishing link

Scammer sent an SMS appearing to come from SBI-Alerts. Victim clicked the link, entered credentials on a fake bank page and lost account access.

Loss: Rs 1.8 lakh
Jaipur

TRAI disconnection threat via WhatsApp

Father received a WhatsApp message claiming TRAI would disconnect his number in 2 hours. Panicked and called the number, got digitally arrested.

Loss: Rs 3.5 lakh
Bengaluru

WhatsApp work-from-home job scam

Fresher received a job offer on WhatsApp promising Rs 8000/day for simple tasks. Paid registration fee, then kept being asked for more money.

Loss: Rs 12,000
Last updated: April 2026  ·  Reviewed by ScamDekho Research Team

How to Identify a Scam Text Message — Warning Signs

A scam message is any SMS, WhatsApp text, or digital communication designed to trick you into revealing personal information, clicking malicious links, or sending money. Unlike email phishing, text message scams feel more urgent and personal because we trust our phones more than our inboxes.

The most common scam messages in India involve fake bank alerts claiming your account is blocked or KYC is incomplete, TRAI impersonation messages threatening to disconnect your number, WhatsApp job offers promising unrealistic daily income, prize or lottery winner messages asking for Aadhaar details, and courier scams asking for a small fee to release your parcel.

Remember this always: No bank, government body, or legitimate company will ever ask for your OTP, PIN, password, or payment via an unsolicited SMS or WhatsApp message. If a message creates panic and demands immediate action, it is almost certainly a scam.

How to Use the Screenshot Scan Feature

If you received a suspicious message on someone else's phone, or if you cannot copy-paste the text, use the Screenshot Scan tab. Simply take a screenshot of the message and upload it. Our AI uses OCR technology to extract all the text from the image and then runs the same complete fraud analysis on it — giving you the same detailed result as the text checker.

This is especially useful for WhatsApp messages, SMS on older phones, or any message where copying text is difficult. If the message also contains a suspicious link, use our free fake website checker to verify the link separately. And if a UPI payment is involved, check the UPI ID on our UPI scam checker.

Our message checker scans every submitted message for 25+ fraud patterns including scam keywords, phishing URLs, urgency tactics, and fake sender impersonation. Use it before you click, call, or respond to any suspicious message.

What to Do If You Responded to a Scam Message

If you have already clicked a link, shared an OTP, or sent money based on a scam message, act immediately. Call your bank directly to freeze your account and report the fraudulent transaction. Most banks have a 24 to 48 hour window for reversal requests. Also call the National Cybercrime Helpline at 1930 and file a complaint at cybercrime.gov.in. Forward the scam SMS to 7726.

ScamDekho Research Team
Cybersecurity & Digital Fraud Analysts · Updated April 2026

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Frequently Asked Questions

Paste the message into the checker above and click Check Now. Our AI analyzes scam keywords, phishing links, urgency tactics, and fraud patterns to give you a SAFE or SCAM verdict with detailed reasons in Hindi and English.
Yes. Click the Screenshot Scan tab and upload any image of a suspicious message. Our AI uses OCR to extract the text from the image and runs the full fraud analysis automatically. No need to type or paste anything.
Smishing (SMS + Phishing) is a type of phishing attack carried out through text messages. Regular phishing happens via email, while smishing happens through SMS or WhatsApp. Smishing is often more dangerous because people trust SMS more than emails.
Yes. ScamDekho works for any text including WhatsApp messages, SMS, Facebook messages, Instagram DMs, Telegram messages, and emails. Just copy-paste the message or use the Screenshot Scan tab to upload an image.
Stop all further communication immediately. If you shared bank details, call your bank right now to freeze your account. Change passwords for any compromised accounts. File a complaint at cybercrime.gov.in or call 1930. Block the scammer's number. Act fast, every minute matters.
No. ScamDekho does not store, log, sell, or share any message or screenshot you submit. Your data is analyzed in real-time and never kept on record. Your privacy is fully protected.
Forward the spam SMS to 7726 (national SMS spam reporting service). Report online at cybercrime.gov.in or call the cyber crime helpline at 1930. This helps authorities track and shut down scam operations that target millions of Indians.
Copy the SMS text and paste it into our checker above. We scan for 25+ fraud indicators including scam keywords, phishing links, urgency tactics, and sender impersonation patterns. If the message claims to be from your bank or a government body, always verify by calling their official number — never use the number mentioned in the SMS itself.
Yes. Fake KYC update messages and bank alert scams are the most common fraud SMS types in India. Our AI is specifically trained to detect phrases like "your account will be blocked," "KYC update required," and "click here to verify" which are used in 90% of banking SMS scams.
Never click links in unexpected SMS messages, especially if they claim to be from a bank, courier company, or government body. Copy the link and check it on our free fake website checker instead. Legitimate companies send links only through their official apps or emails, not through random SMS.