Anti-OTP scam strategy.

Two-Bank-Account Strategy (Very Strong)

• Account A → Daily transactions (low balance)

• Account B → Savings (high balance)

Recommended Setup:

Account A (Public Account)

• Linked to UPI

• Linked to shopping apps

• Linked to subscriptions

• Linked to wallet apps

• Keep minimal balance (₹5k–₹20k depending on usage)

Account B (Vault Account)

• No UPI linked

• No auto-debit

• No shopping apps

• No card saved online

• Used only for manual transfers

Transfer money from B → A only when needed.

This reduces maximum scam damage.

🔹  Separate Phone Strategy (Situational Use)

• One phone for banking

• One phone for public/social use

This works best for:

• Business owners

• High net-worth individuals

• People frequently targeted

But for normal users, better alternative:

Keep SIM used for banking:

• Not shared publicly

• Not used for random registrations

• Not listed on public platforms

Use secondary SIM for:

• Shopping

• Food delivery

• Classified ads

• Online forms

🔹  Disable Overpowered Features

Turn OFF:

• International transactions (if not needed) or decrease limits on cards (like keep 5000 for online and change when needed)

• Online transactions (if rarely used)

• Auto debit mandates (check frequently if anything is active or not)

• Overdraft facility

Lower transaction limits:

• UPI daily cap

• Card transaction limit

• ATM withdrawal limit

Lower limits = lower loss.

Freeze Button Habit

Know how to instantly:

• Freeze debit card

• Freeze UPI

• Block account via app

Speed matters more than recovery.

🔹 Cooling Period Awareness

Many scams happen because:

• People panic

• Act instantly

Personal rule:

If anyone asks for OTP or urgent payment:

Wait 10 minutes.

No legitimate bank employee:

• Asks for OTP

• Asks for PIN

• Asks for screen share