July 3, 2022


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How Cellular Cash fraudsters function: 5 issues to know

6 min read

There are three questions usually requested by individuals who have fallen sufferer to MTN Cellular Cash fraudsters. These three are

  • How did they know my identify?
  • How did they know I used to be registered?
  • How did they pay money for my quantity?

Even when you’ve by no means fallen sufferer to them, you might end up asking the identical questions as a result of it all the time appears too calculated to easily be a coincidence that the Cellular Cash fraudsters know the precise quantity you registered your MTN MoMo pockets to.

It would curiosity you, nevertheless, to know that they don’t really want to go to nice lengths to know the above particulars a few potential sufferer, or anybody for that matter. Expertise nowadays has made it straightforward to entry any data that in somehow is throughout the public area and also you’ll quickly see how and why. Fasten your seat belt; it’s about to be fairly a trip.

5 Methods Cellular Cash fraudsters function

Step one in the direction of executing a profitable rip-off is to know fundamental particulars in regards to the meant sufferer to be able to keep on a dialog adequate to keep away from being uncovered as a fraudster. And right here is how they discover the required particulars to kick off the rip-off. We’ll first tackle how they get your identify.

Truecaller App

Truecaller is a mainstream app that most individuals use in verifying who might have been attempting to succeed in them; earlier than they might return missed calls or choose such calls within the first place. And a few of these Cellular Cash fraudsters are positively expertise savvy sufficient to know easy methods to run a quantity by the app to be able to make sure of which names to make use of when an meant sufferer responds to their ‘handshake’.

Pretending to ship cash

I’d wish to assume that you simply (the reader) are conscious of the dialogues that happen throughout a Cellular Cash transaction. Throughout the verification (or authentication) course of, do you bear in mind coming throughout one thing like “Ship GHS100 to Ghanaman Mensa. Reference: Small Cash?” Sure!
That can be one other approach you will get to know somebody’s identify; and for the Cellular Cash fraudsters, they solely have to faux to ship you cash and when you’re registered on the Cellular Cash platform, your identify would present up for them — simply as it’s within the MTN Cellular Cash system.

So these are the 2 strategies employed find your identify; both through the use of precisely what you’re registered with on the community or by going with what the Truecaller app says about you. Now let’s transfer on to how they get your quantity within the first place.

At a Cellular Cash agent’s stall

MTN Cellular Cash fraudsters can get your quantity from MoMo brokers. Nonetheless, it’s not essentially what you might be pondering of; it was a deliberate collaboration between the 2. There are two prospects that might come into play on this situation.

First risk

Typically, while you go to make a deposit or cashout on the MoMo agent’s stall, it’s a must to point out the digits of your cellphone quantity to the agent dealing with your transaction. Numerous these instances, you aren’t alone; there are prone to be others ready for his or her flip to make deposits or withdrawals too.

Think about the likelihood that whilst you’re calling out the quantity for the agent’s profit, somebody shut by can be listening — and both memorizing the quantity or recording it secretly.

Additionally, assuming you make a deposit into one other particular person’s account, you’ll should learn out the MoMo quantity in addition to verify the identify of the particular person you’re sending cash to. In that occasion, you’re offering whoever is listening with each the recipient’s identify and quantity; two birds with one stone.

Second risk

Some Cellular Cash brokers don’t require you to say your digits to them. They supply strips of paper so that you can write down the numbers on. That apart, they’ve every day gross sales logbooks the place all transactions are recorded.

These log books are often not saved beneath lock and key. And even when they’re, they cross by fairly various ‘official’ palms through the day. Anybody may simply probability on that e book, take an image of the pages with the record of numbers, and provides it out to their counterparts who could also be Cellular Cash fraudsters.

Enterprise fliers, billboards, and wall scribbling

Should you occur to be an entrepreneur or somebody who does enterprise in some type, likelihood is that you could have shared your contact particulars someplace on-line; both in a remark part or on a enterprise flier. Cellular Cash fraudsters are by no means far-off. Every time your quantity is on a flyer or a billboard, you’re on the market within the open.
Additionally, some artisans corresponding to mechanics wish to scribble shopper numbers on the partitions of their garages. It wouldn’t be far-fetching to imagine that somebody with a cool SUV would have loads of funds of their Cellular Cash pockets. Among the boys who frequent garages to idle round or whereas away the time are Cellular Cash fraudsters and after they pay money for the variety of such a high-value shopper scribbled on the partitions, you may correctly guess what they might be doing with it.


Some individuals are simply too loud, and whereas this will likely not appear that a lot of a giant deal, it is very important know that simply as there are loud talkers, there are eavesdroppers as effectively. Some individuals — whereas on the cellphone in public — are so loud which you can actually guess what the dialog is about.

Throughout conversations, individuals change into situationally unaware and provides out sure particulars over the cellphone; to the listening to of everybody current and inside earshot. Now, when you occur to trace at a windfall, whereas on the identical time giving out your MoMo quantity, likelihood is that somebody might change into all for taking part in a fast one with you.

Contact record of stolen telephones

In a latest article, we discovered about how somebody turned a sufferer to Cellular Cash fraudsters after they texted her with the variety of a enterprise companion. It occurred as a result of the Cellular Cash fraudsters got here throughout conversations she had had along with her shoppers and marked out those they may simply defraud of sums of cash.
Telephone snatchers, burglars, ‘kwashey’ lords… all these miscreants work along with Cellular Cash fraudsters and it received’t be off the mark to recommend they steal telephones simply to allow them to have a prepared database.

In conclusion

That is actual life and we don’t reside in bubbles. Sooner or later, individuals would come throughout our contact and private particulars. That is unavoidable, particularly when you do enterprise. Whereas sure conditions could also be attributed to service suppliers, some can not, because it’s based mostly on sheer ingenuity on the a part of the scammers.

It might appear a shock for some, however within the period of expertise, you aren’t shielded from conditions corresponding to this. The perfect you are able to do is to be good sufficient to not be taken benefit of.

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This story is a part of a collection JBKlutse.com is creating to teach the general public about Cellular Cash fraudsters, their actions, and easy methods to keep vigilant and never be a sufferer.

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