What happens after a SIM swap scam and how do I recover?
After a SIM swap, scammers intercept your SMS codes and access accounts that use your phone number for two-factor authentication. Act immediately to regain control.
Last reviewed: 1 June 2026
Explanation
In a SIM swap, a scammer convinces your mobile carrier to transfer your phone number to a SIM card they control — usually by providing stolen personal data to pass the carrier's identity check. Your phone loses signal. The scammer then receives all calls and texts to your number, including the one-time codes sent by your bank, email, or other accounts. Using these codes, they log in, change passwords, and drain or lock your accounts. Recovery requires contacting your carrier immediately to have the number transferred back to you, then contacting every service provider that used your phone number for authentication to secure those accounts. Move to app-based authentication (not SMS-based) as soon as possible to reduce future risk.
Common red flags
- Your phone suddenly loses all signal for no apparent reason
- You receive unexpected account-change notification emails or texts
- You cannot receive calls or texts but others around you have normal signal
- You are locked out of bank, email, or social accounts without trying to log in
What to do now
- Call your mobile carrier from a different phone and report the SIM swap immediately
- Contact your bank's fraud line while you still have access to alternative contacts
- Change passwords and move two-factor authentication from SMS to an authenticator app
- File a police report and report to your national fraud body
Frequently asked questions
How do carriers prevent SIM swaps?
Most carriers allow you to add a PIN or passcode to your account that must be provided before any SIM change. Enabling this free security feature significantly reduces your risk.