In this article, we will be talking about real and fake credit alerts of zenith banks. This would help you understand what your credit alert from zenith bank should look like, the things to look out for and some samples of zenith bank alerts. The fraudsters use bulk SMS features to send this fake alert to victims. Learn more about bulk SMS here
A zenith bank credit alert will always appear on the number you registered with your account, if you received an alert on a number you did not register your account with, then you are receiving a fake alert.
However, there are some things you will notice in a credit alert for you to identify that it is fake. A real zenith credit alert should contain the following features. Check out my previous article for more information about identifying real and fake alerts.
1. A real zenith bank credit alert will start with your account number. Like this Acct:225**713
2. Then, the date and time of the transaction would follow in this format DT: 17/02/2022:2:02:50PM
3. NIBSS Instant Payment (NIP) and senders bank initials will show along with the name of the sender
4. The amount sent in this format CR Amt:3,000.00
5. Your currently available balance will follow, this is your previous account plus the amount sent to your account will be in this format Bal:6,258.70
6. REF number is a ten-digit number and it will be in the last line of the credit alert
7. A real alert will also appear on your zenith mobile application and the email address connected to your account.
All these are what you should find in a real zenith credit alert.
A fake credit alert would have one or more of the following:
1. If it starts like this ‘Txn: Credit’, or ‘Your account 211****455 has been credited with’, a zenith bank alert starts with the receiver's account number, nothing else.
2. The CR is in capital letters and not cr.
3. A zenith credit alert does not come with this format ‘Desc: Transfer from’.
4. A fake alert will not tally with your previous account balance
5. A fake credit alert will not appear on your zenith mobile application and the email address connected to your account.
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