SIM Swap Fraud: When Your Number Is Taken
Learn how SIM swap fraud affects phone numbers, which warning signs deserve attention, and how to respond when mobile service and account access change.
The target is control of your number
SIM swap fraud happens when someone causes a mobile provider to move your number to a SIM or eSIM they control. Related attacks may involve an unauthorized transfer to another carrier. The criminal may then receive calls and text messages intended for you. This can threaten accounts that rely on your phone number for recovery.
Service loss is a warning, not proof
Unexpected loss of calls, texts, or mobile service can indicate a problem. Network outages and device faults can cause similar symptoms. Contact your carrier promptly through a verified channel, especially if you also receive account change notices. Use another phone or an internet connection if needed, and ask whether your number or SIM was changed.
Reduce reliance on text messages
Where available, use an authenticator app, passkey, or security key instead of text messages for sensitive accounts. Secure the mobile carrier account with a unique password and any available account PIN or transfer restriction. Keep recovery methods current. These choices reduce certain risks, but their availability and effectiveness depend on the provider and account settings.
Act on the phone and affected accounts
Ask the carrier to investigate and restore control of your number. Contact financial institutions if there is suspicious activity. Secure your main email account and review recovery settings, active sessions, and recent transactions. Record when service stopped and what changed. Report confirmed fraud through the relevant official process, keeping copies of the carrier's responses.