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SIM swap

Also known as: SIM swap · SIM swapping · SIM swap scam · Port-out fraud · Number hijacking

A scam in which the fraudster transfers the victim's phone number to a SIM under their control, taking over the calls, texts and authentication codes that would reach the victim's phone.

Legal basis

Wikipedia — SIM swap scam

The phone number has become an identity key — it is how confirmation codes (SMS OTP) and password recoveries arrive. In a SIM swap, the criminal convinces the carrier, through social engineering or with leaked data, to port the number to a new SIM. From then on, the codes that protected the victim's accounts reach the fraudster's phone instead.

It is a springboard to account takeover and to push-payment scams: with the number, the attacker resets bank, email and app passwords, and SMS second factors stop protecting anything. The defense sits on two sides — carriers making improper porting harder, and institutions no longer trusting SMS as a strong factor, replacing it with biometric authentication and device signals. The FCC has adopted rules requiring carriers to verify identity before a SIM change or port-out.

Frequently asked questions

What is a SIM swap scam?

It is when a fraudster transfers the victim's phone number to a SIM they control, taking over the victim's texts and authentication codes. With that, they reset passwords and seize accounts — which is why SMS is no longer considered a secure second factor.

Sources

Related terms

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