# Smishing: what it is, and ten real examples Source: https://keepnetlabs.com/blog/10-real-life-smishing-examples-to-strengthen-cybersecurity-awareness Published: 2024-11-14 Updated: 2026-10-09 Author: Ozan Ucar, Founder and CEO of Keepnet Category: Social Engineering > Smishing attacks are on the rise, using deceptive SMS tactics to target users. This article reviews 10 real-life Smishing examples, showing how proactive training and tools like Keepnet’s smishing simulator can help strengthen your organization’s defenses against smishing. ## What smishing means Smishing is phishing delivered by SMS. The message is short, the sender is a number rather than a name, and it arrives on a phone that corporate controls do not reach. The ten examples below are real messages. Each one is followed by the wording that gave it away. In 2025, [smishing](https://keepnetlabs.com/blog/10-real-life-smishing-examples-to-strengthen-cybersecurity-awareness), phishing through SMS, has surged to new heights, targeting users of all ages. According to Keepnet,**only 23% of users over 55 can accurately define smishing**, while **34% of millennials recognize the term**, highlighting a significant gap in awareness across age groups. Unlike traditional email phishing, smishing takes advantage of the instant and personal nature of text messages, making it easier for attackers to deceive even the most cautious users. This article dives into 10 real-life smishing examples, offering insights into how these attacks work and how solutions like Keepnet’s [phishing simulator](https://keepnetlabs.com/products/phishing-simulator) and [smishing simulator](https://keepnetlabs.com/products/smishing-simulator) can help organizations train their teams and reduce risks effectively. Read our article [to learn what is Smishing and how it works](https://keepnetlabs.com/blog/10-real-life-smishing-examples-to-strengthen-cybersecurity-awareness). ## Why Smishing is a Growing Concern Unlike email phishing, **smishing messages arrive directly on personal mobile devices**, often appearing to be from familiar companies. Attackers manipulate users' trust in these entities to secure sensitive information, including **credit card numbers**, [**CSC on the card**](https://payabl.com/news/what-is-a-card-security-code), **login credentials**, and **other personal data**. For organizations, the result can be severe: compromised networks, financial losses, and even long-term reputational damage. By exploring real-life examples, cybersecurity leaders can better understand the urgency of **security awareness training** and the strategic application of **smishing simulators** to prevent such attacks. ## 1. The “Bank Alert” Smishing Attack One of the most common [smishing scams](https://keepnetlabs.com/blog/smishing-statistics-the-latest-trends-and-numbers-in-sms-phishing) involves fake, urgent messages that appear to be from a trusted bank. Attackers send messages claiming there’s been “suspicious activity” on the recipient's account, urging them to act quickly to "secure" their funds. These messages often contain a link to a website that mimics the bank’s official page, where victims are prompted to enter sensitive information like account numbers, passwords, or PINs. ![Keepnet Smishing Simulator: The “Bank Alert” Smishing Attack Scenario](https://timely-benefit-e63d540317.media.strapiapp.com/image1_31fc897875.png) *Picture 1: Keepnet Smishing Simulator: The “Bank Alert” Smishing Attack Scenario* Watch the video below to see a real-life case where a Sydney woman lost her life savings to a sophisticated bank text message fraud. Video: **Impact**: These **smishing scam examples** cost bank customers and institutions millions each year. Cybersecurity training with a **smishing simulator**can help employees recognize warning signs, such as urgent language, generic greetings, and unfamiliar links, before they fall victim to similar scams. ## 2.The "Bank Callback" Smishing Attack One of the most targeted involves fake bank alerts with no link, just a phone number to call. Attackers impersonate trusted banks like Barclays, reference a specific account and exact amount to appear legitimate, and pressure the recipient to reply Y or dial a number. Unlike typical smishing, there is no link to scan or block, which is exactly why it bypasses standard defenses and reaches the inbox. ![Real-World Example of a Barclays Bank Alert Smishing Attack](https://timely-benefit-e63d540317.media.strapiapp.com/Example_of_an_SMS_Delivered_Callback_Phishing_Message_Impersonating_Barclays_58c44dee8d.png) *Picture 2: Real-World Example of a Barclays Bank Alert Smishing Attack* Related reading: [Most Spoofed Brands in SMS Phishing](https://keepnetlabs.com/blog/the-most-spoofed-brands-in-sms-phishing-protect-your-business-in-2025) | [Smishing Statistics](https://keepnetlabs.com/blog/smishing-statistics-the-latest-trends-and-numbers-in-sms-phishing) | [10 Callback Phishing Examples](https://keepnetlabs.com/blog/real-life-callback-phishing-examples-and-how-to-protect-your-business) > Here is a live one from my own phone. The text impersonates Barclays, name-drops a Lloyds account and an exact amount to feel real, and pushes you to reply Y or dial a UK support line. There is no link to scan or block, which is exactly why it reached the inbox. The defense is boring and effective: stop, open the bank app yourself, and never reply to or call a number from the message. > > — Ozan Ucar, Founder and CEO of Keepnet ## 3. Package Delivery Notifications With the rise of online shopping, attackers often use fake “delivery confirmation” messages to trick users. In this **smishing scam example**, users receive texts that seem to be from trusted shipping companies like FedEx or DHL, informing them of a pending delivery and urging them to click a link to “reschedule delivery” or “track a package.” These messages appear urgent, prompting recipients to act quickly. ![Keepnet Smishing Simulator Package Delivery Smishing Scenario](https://timely-benefit-e63d540317.media.strapiapp.com/Picture_2_Keepnet_Smishing_Simulator_Package_Delivery_Smishing_Scenario_e0f1fadd4a.png) *Picture 3: Keepnet Smishing Simulator Package Delivery Smishing Scenario* Check out the video below to see how this type of smishing scam works in real life. Video: **Impact**: The links in these messages often lead to malicious sites that install malware or capture personal information. Training employees to spot suspicious links, especially during peak shopping seasons, is crucial to prevent these types of attacks from succeeding. ## 4. COVID-19 Test Result Scams During the pandemic, attackers exploited public fear by sending smishing messages that appeared to be from health agencies. These **smishing examples** claimed that the recipient’s recent COVID-19 test results were ready and urged them to click a link to view the results. ![Keepnet Smishing Simulator COVID-19 Smishing Scenario Template.png](https://timely-benefit-e63d540317.media.strapiapp.com/Keepnet_Smishing_Simulator_COVID_19_Smishing_Scenario_Template_665e7940b6.png) *Picture 4: Keepnet Smishing Simulator COVID-19 Smishing Scenario Template* Watch the video below to see a real-life case of how **SMS phishing scam example** unfolds. Video: **Impact**: Clicking these links directed users to fake login portals designed to steal personal health information and login credentials. Solutions like Keepnet’s incident responder can help organizations quickly address and contain these breaches, protecting sensitive data from further exposure. ## 5. Tax Refund Notifications This **smishing examp**le emerges around tax season, as attackers send texts claiming to be from tax authorities. Victims are led to believe they are due a refund and are asked to provide their bank details for the transfer. ![Keepnet Smishing Simulator - Tax Refund Smishing Scenario.png](https://timely-benefit-e63d540317.media.strapiapp.com/Picture_4_Picture_4_Keepnet_Smishing_Simulator_Tax_Refund_Smishing_Scenario_4b7a719818.png) *Picture 5: Keepnet Smishing Simulator - Tax Refund Smishing Scenario.png* Watch the video below for more details. Video: **Impact**: Users are tricked into providing banking information, allowing attackers to drain accounts. To help prevent these attacks, companies should provide [**security awareness training**](https://keepnetlabs.com/products/security-awareness-training) that emphasizes identifying suspicious messages. ## 6. Social Media Account Recovery Cybercriminals frequently impersonate [social media platforms](https://keepnetlabs.com/blog/5-social-media-scams-you-need-to-watch-out-for) like Facebook, Twitter, or Instagram, sending messages that claim the user’s account has been “locked” due to “suspicious login attempts.” The message includes a link for “account recovery” that directs users to a fake login page, where they unknowingly enter their credentials, which are then stolen by attackers. ![Keepnet Smishing Simulator - Social Media Account Scenario Template.png](https://timely-benefit-e63d540317.media.strapiapp.com/Keepnet_Smishing_Simulator_Social_Media_Account_Scenario_Template_a9b4d20c33.png) *Picture 6: Keepnet Smishing Simulator - Social Media Account Scenario Template* **Impact**: This type of smishing scam example has led to numerous high-profile social media account breaches, causing significant privacy and security risks. By using phishing simulators, organizations can replicate these types of smishing attacks in a controlled environment, training employees to recognize and avoid them effectively. ## 7. Fake Charity Donations After natural disasters or crises, fake charity **smishing attack examples** become more common. Attackers pose as well-known charities, urging recipients to make donations by clicking a link or replying with payment details. See the real-life **SMS phishing example** below. Video: **Impact**: Cybercriminals exploit people’s goodwill, stealing thousands from unsuspecting users. [Cybersecurity awareness programs](https://keepnetlabs.com/blog/cyber-security-awareness-training-for-employees) should focus on helping employees recognize emotional triggers in smishing attacks, teaching them to stay cautious and verify donation requests before acting. ## 8. The “Your Phone Bill is Due” Scam Many mobile users have received smishing messages appearing to be from service providers like AT\&T or Verizon, warning them of an unpaid bill. The message includes a link to a so-called “secure payment page,” but clicking on it actually redirects users to a phishing site designed to capture sensitive financial information. ![Keepnet Smishing Simulator - Phone Bill Scam Scenario.png](https://timely-benefit-e63d540317.media.strapiapp.com/Keepnet_Smishing_Simulator_Phone_Bill_Scam_Scenario_83a8152b7a.png) *Picture 7: Keepnet Smishing Simulator - Phone Bill Scam Scenario* Video: **Impact**: Victims unknowingly provide their payment details, putting their finances at risk. Organizations can use [Keepnet’s secure behaviour management platform](https://keepnetlabs.com/) to help employees recognize these scams, building stronger defenses against such deceptive tactics. ![Keepnet Smishing Simulator - Prize Scam Scenario.png](https://timely-benefit-e63d540317.media.strapiapp.com/Keepnet_Smishing_Simulator_Prize_Scam_Scenario_db6373afb6.png) *Picture 8: Keepnet Smishing Simulator - Prize Scam Scenario* Video: **Impact**: This classic scam continues to work well on mobile users, who can be easier to persuade with messages that promise big wins. Training employees on scams like these helps mitigate the risk of personal and organizational data leaks. ## 9. Employment and Job Opportunity Offers Fake job offers are used by attackers who impersonate HR professionals or recruiters, usually from well-known companies. Recipients are asked to submit personal information or download files, which often contain malware. ![Keepnet Smishing Simulator - Fake Job Offer Scenario Template.png](https://timely-benefit-e63d540317.media.strapiapp.com/Picture_8_Keepnet_Smishing_Simulator_Fake_Job_Offer_Scenario_Template_fd92ef1095.png) *Picture 9: Keepnet Smishing Simulator - Fake Job Offer Scenario Template* Video: **Impact**: These smishing attacks primarily target job seekers, but even employed users may be tempted to explore new opportunities. Training programs should encourage employees to verify unsolicited job-related messages. ## 10. Customer Survey Scams In this smishing scam, attackers send messages inviting recipients to complete a “customer satisfaction survey” in exchange for a reward. These messages often impersonate well-known retail brands or services the user may have recently interacted with, making the request seem more legitimate. Watch the video below to see how this **SMS phishing fraud example** operates in real life. Video: **Impact**: When users complete these fake surveys, they unknowingly provide attackers with sensitive personal information. Security Awareness programs can help employees recognize these tactics, reducing the likelihood of falling for such scams. ## Key Takeaways: Protecting Your Organization Against Smishing As illustrated by these real-life examples, smishing attacks are becoming more sophisticated, often luring victims into clicking with trusted brand names, familiar scenarios, or urgent calls to action. With high employee engagement on mobile devices, it’s essential to build a strong culture of security awareness through **smishing simulators** and [cybersecurity awareness training](https://keepnetlabs.com/products/security-awareness-training) programs. ## How Keepnet Protects Against Smishing Understanding real-world smishing examples is key, but building a defense strategy around them is essential. **Keepnet**’s secure behaviour management platform offers targeted [smishing training ](https://keepnetlabs.com/products/smishing-simulator)to address smishing threats directly, strengthening your organization’s security culture: - [**Smishing Simulator**](https://keepnetlabs.com/products/smishing-simulator): Run realistic, industry-specific smishing simulations that teach employees to recognize and report suspicious SMS messages. Training is customized for maximum relevance and effectiveness. - [**Incident Responder**](https://keepnetlabs.com/products/incident-responder): When a smishing attempt does get through, Keepnet’s Incident Responder provides swift response tools to assess, contain, and neutralize threats, minimizing potential damage. - **Smishing Awareness Training**: Focused specifically on smishing and social engineering, these training modules use realistic scenarios to build critical thinking skills, helping employees spot deceptive SMS tactics before they cause harm. Check our detailed article to learn more about the [most common examples of phishing emails](https://keepnetlabs.com/blog/most-common-phishing-email-examples-keepnet). ## Clues That an SMS Is Smishing Look for these signs before you tap a link or reply: - **Urgent or threatening language**: warnings about account suspension, fines or failed payments. - **Unexpected sender**: unknown numbers, or a brand that does not usually send SMS messages. - **Suspicious links**: shortened or misspelled web addresses. - **Requests for sensitive data**: passwords, one-time codes or card details. - **Offers that are too good to be true**: prizes, refunds or free gifts. - **Unusual requests**: asking you to call a number, install an app or move the conversation elsewhere. A [smishing simulation](https://keepnetlabs.com/products/smishing-simulator) shows which employees act on these messages and who reports them. Video: ## What Better Program Design Looks Like 10 Real-Life Smishing Examples to Boost Cybersecurity works best when the content reflects how people actually make decisions. Strong programs do not try to teach everything at once. They focus on the few behaviors that create the most risk, then reinforce them with current examples, timely reminders, and clear reporting paths. That is also what makes training easier to defend internally. When a program changes behavior, reduces repeat-risk patterns, or improves reporting quality, leaders can see how awareness supports real business outcomes instead of acting like a standalone compliance activity. Keepnet teams usually see the biggest gains when training is tied to a reporting path and a follow-up workflow. For most organizations, the common mistake is treating 10 real-life smishing examples to boost cybersecurity as content delivery instead of behavior design. ### Program Checklist - Choose the user decisions that matter most instead of covering every possible topic. - Use short modules, current examples, and realistic follow-up after incidents or simulations. - Measure reporting, repeat risk, and remediation behavior, not only completions. - Give managers and team leads a role in reinforcing the habits you want to build. ***Editor's Note: This article was updated on June 3, 2026***. ## Frequently Asked Questions ### What is smishing? Smishing is phishing delivered by text message. The attacker sends an SMS that appears to come from a bank, a courier, a government body or an employer, and pushes the recipient toward a fake login page or a phone call. ### What are the most common smishing examples? The recurring ones are bank alerts about suspicious activity, callback messages that give a phone number instead of a link, delivery notifications from a courier the victim is expecting, tax refund notices, health notifications, and social media account recovery prompts. All of them use urgency and a familiar brand. ### How is smishing different from email phishing? The message lands on a personal device, usually within seconds of being sent, and mobile browsers show less of the address than a desktop client does. Corporate mail filters do not see it, and most organisations have a reporting button in Outlook and nothing on a phone, so the first evidence of a campaign is often the compromise itself. ### What is a callback smishing attack? A text with no link, only a phone number to call. It references a real bank and a specific amount to look genuine, and asks the recipient to reply or dial. Because there is no URL, link scanning and blocklists have nothing to inspect, which is exactly why these messages reach the inbox. ### Is smishing increasing? Yes. The Anti-Phishing Working Group recorded smishing volume rising 30 to 40% quarter on quarter through 2025 (Anti-Phishing Working Group, Phishing Activity Trends Report, Q4 2025, p. 4). ### How can organisations test employees against smishing? By running simulations on the channel itself rather than assuming email results carry over. They do not: the 2026 Data Breach Investigations Report puts the median click rate for email based simulations at roughly 1.4%, while phone centric simulations fail at roughly 40% higher (Verizon, 2026 Data Breach Investigations Report, 2026, p. 50). A programme that tests only email is not measuring its weakest channel. ### How does Keepnet know how people respond to smishing? Keepnet runs SMS simulations across its customer base and contributed that data to the 2026 Verizon Data Breach Investigations Report, appearing among the contributing organizations on page 118. The same report records phone-based failure running about 40 percent higher than email (Verizon, 2026 Data Breach Investigations Report, p. 50). ### A smishing scam can involve which of the following? A smishing scam can involve an SMS that pretends to be from a bank, delivery company, tax authority, employer or IT team; a link to a fake login or payment page; a request for a one-time code; or an instruction to call a phone number. All of these are designed to steal credentials, money or personal data.