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How to Protect Yourself from Scams in Nigeria

Practical, everyday steps to avoid scams — and what to do if you’re targeted.

By Belmadeng Editorial · Updated 22 Sept 2026

Please note

Belmadeng is an independent study platform and is not affiliated with the EFCC. This is general, informational content — report crimes and check recruitment only through official EFCC channels (efcc.gov.ng). Beware fake “EFCC recruitment” sites and anyone asking for payment — the EFCC does not charge to apply. If a crime is in progress or you are in danger, contact the Police.

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Guard your secrets

Never share your OTP, PIN, card number/CVV or online-banking password — with anyone, ever. No genuine bank, agency or company will ask for them. This single habit stops most fraud.

Verify before you pay

Before sending money or goods, verify independently: confirm the person/company (e.g. CAC check), call official numbers you looked up yourself, and be extra careful with first-time sellers or “too-good” deals.

Know the red flags

  • Urgency/pressure to act now.
  • Requests for upfront fees to receive money or a job.
  • Unofficial links and look-alike sites.
  • Guaranteed high returns.

See the common scams.

Digital hygiene

Use strong, unique passwords and 2-factor authentication, don’t click unknown links, keep apps updated, and enable transaction alerts on your bank account.

If you’re targeted

Don’t act under pressure. Stop, verify, and if you’ve been scammed, contact your bank immediately and report to the EFCC.

Tips

  • OTP/PIN = never share.
  • Verify before paying.
  • Slow down — urgency is a red flag.

Frequently asked questions

How can I protect myself from scams?
Never share your OTP, PIN, card details or banking password; verify people/companies before paying; watch for red flags; practise good digital hygiene; and slow down when pressured.
What should I never share?
Your OTP, PIN, card number/CVV and online-banking password — no genuine bank, agency or company asks for these.
What are the biggest scam red flags?
Urgency/pressure, requests for upfront fees, unofficial/look-alike links, and ‘guaranteed’ high returns.
How do I verify a business before paying?
Confirm it independently — e.g. a CAC check — and call official numbers you looked up yourself, being careful with first-time sellers.
What do I do if I’ve been scammed?
Contact your bank immediately to secure your account and report to the EFCC through official channels with your evidence.

Related EFCC guides

Common scams · Report fraud · BVN scams · All EFCC guides

Reviewed: 22 Sept 2026 · Author: Belmadeng Editorial. Independent, informational guide, not affiliated with the EFCC. Always confirm details on the official EFCC channels.