Impersonation of officials, investment scams, fake customer service, romance scams — the four most common scam types affecting residents in Singapore. Below is what to do, in the right order. 冒充公職人員、投資詐騙、假冒客服、感情詐騙——新加坡居民最常遇到的四類詐騙。以下是正確的處理順序。
Sound recommended 建議開啟聲音
Sound familiar? 你是否遇到
None of this is your fault — it is a scripted process. Keep reading to see what to do first. 這不是你的錯，是對方按劇本設計的。繼續看，了解第一步該做什麼。
The Police have alerted the public to a scam variant involving fake scam recovery services promoted through advertisements on Facebook. These advertisements feature AI-generated images of Singapore Police Force officers promoting scam recovery services, and direct users to an online form asking for their contact details — later prompting for One-Time Passwords sent via WhatsApp or SMS. No government agency will ask for your OTP, bank credentials, or payment to recover lost funds. 警方提醒公眾注意一種詐騙手法：騙徒在 Facebook 投放假廣告，聲稱提供「詐騙追回服務」，並使用 AI 生成的警官形象。點擊後會引導至索取聯絡資料的線上表格，其後再誘導提供透過 WhatsApp 或 SMS 發送的一次性密碼（OTP）。任何政府機構都不會索取你的 OTP、銀行憑證，或要求你先付費以追回款項。
Source: Public Affairs Department, Singapore Police Force · 23 October 2026 · Read the full advisory on police.gov.sg 資料來源：新加坡警察部隊公共事務部 · 2026 年 10 月 23 日 · 於 police.gov.sg 閱讀全文Below is official scam prevention content. Being scammed is not a sign of low intelligence — the scripts are engineered against human nature. Recognising the pattern is how you avoid the second wave. 以下為官方防詐宣導內容。被騙不代表你不聰明——對方的話術是針對人性設計的。認清套路，才不會被第二波詐騙。
From the first call to the final transfer instruction — the full script chain. 從第一通電話到最後的轉帳指令，完整還原話術鏈條。
Requests for secrecy, app installation, or transfer to a "safe account". 要求保密、要求安裝軟件、要求轉帳到「安全帳戶」。
Describe what happened. We will help you work out whether there is still room to act. 說明你的情況，我們協助判斷是否仍有處理空間。
Request a free assessment 申請免費評估No upfront fees 不收前期費用
The wrong order wastes the most critical hours. Do step 1 first. 順序錯了會浪費最關鍵的幾小時。請先完成第 1 步。
Call your bank to freeze the account involved. If you are unsure which number to call, dial 1799 — the ScamShield Helpline can connect you directly to the fraud team at DBS/POSB, UOB, OCBC, Citibank, Maybank, Standard Chartered or HSBC. Record four things: the recipient account number, transfer time, amount, and transaction reference. These four items underpin every later step. 致電銀行凍結涉案帳戶。若不確定該打哪支電話，直接撥 1799——ScamShield 熱線可直接轉接 DBS/POSB、UOB、OCBC、Citibank、Maybank、Standard Chartered、HSBC 的止付部門。記下四項資料：對方帳號、轉帳時間、金額、交易流水號。這四項是後續所有程序的基礎。
File online via SPF e-Services (eservices1.police.gov.sg), or call 999 if urgent police attention is needed. Note that the 1799 helpline cannot file a report on your behalf. Also report the number and account through the ScamShield app. Keep the report reference number — you will need it. 透過 SPF e-Services（eservices1.police.gov.sg）線上報案；如需警方緊急介入則撥 999。請注意，1799 熱線不能代你報案。同時用 ScamShield App 舉報相關號碼與帳戶。務必取得報案編號。
Chat logs, call recordings, platform pages, transfer receipts, recipient details — screenshot and back up everything. Do not delete conversations or rename contacts. 聊天記錄、通話錄音、平台頁面、轉帳憑證、收款資料——全部截圖並備份。不要刪除對話，不要更改聯絡人名稱。
Raise a disputed transaction claim with your bank. Consider the Small Claims Tribunals (SCT) or a letter of demand through a lawyer. Assess whether cross-border leads need to be pursued. 向銀行提交爭議交易申訴；可考慮透過小額索償庭（SCT）或委託律師發出索償信；評估是否需要追查跨境線索。
Not sure which step you are at? Tell us what happened and we will help you identify the next action. 不確定自己在第幾步？說明你的情況，我們協助釐清接下來該做什麼。
Get help assessing it 協助評估Typical patterns encountered in consultations, anonymised. Outcomes depend on how quickly a report is filed, the completeness of evidence, and the bank's cooperation. 以下為諮詢中常見的情形（已作匿名處理）。結果取決於報案是否及時、證據是否完整，以及銀行配合程度。
Received a call from a supposed "bank risk department" claiming the account was compromised, and was instructed to transfer funds to a "verification account". 接獲自稱「銀行風險部門」來電，指帳戶異常，要求轉帳至「驗證帳戶」。
Contacted the bank within 2 hours; part of the funds was intercepted. Report reference obtained and a disputed transaction claim is in progress. 2 小時內聯絡銀行，部分資金成功攔截；已取得報案編號，進入爭議交易申訴程序。
Met an "investment advisor" on social media. An initial small withdrawal succeeded, building trust; the platform then blocked all withdrawals after further deposits. 在社交軟件認識「投資顧問」，初期小額提現成功建立信任；後續追加投入後，平台無法提現。
Evidence chain complete (chat logs plus transfer records). Report filed and lead materials submitted to the platform's jurisdiction. 證據鏈完整（聊天記錄及轉帳流水）；已報案，並向平台註冊地提交線索材料。
Told he was under investigation for money laundering. Forged credentials and a fake "warrant" were produced, and he was instructed to transfer funds to cooperate. 被指涉嫌洗錢，對方出示偽造證件與「通緝令」，要求配合調查並轉帳。
Family members intervened and the police were alerted; some accounts were frozen. Legal avenues are being assessed for recovery. 家屬及時發現並報警，部分帳戶已凍結；正評估法律途徑的追索可行性。
Anonymised case patterns, provided for illustration of process only. No outcome is guaranteed. 以上為匿名案例樣態，僅用於說明處理流程，不代表任何承諾或保證。
Anyone who asks you to pay upfront, guarantees a "100% recovery", or asks you to install remote-control software should be treated as a scammer. 任何要求你先付費、承諾「100% 追回」，或要求你安裝遠端控制軟體的人，都應視為騙徒。
Official channels only: Police 999, Scam Hotline 1799, and your own bank. 官方渠道僅限：警方 999、反詐熱線 1799，以及你的開戶銀行。
Have us verify it for you first 先讓我們協助核實Leave your name and a contact number. We reply within one working day. Your details are used only to contact you about this case. 留下姓名與聯絡電話，我們會在工作日內回覆。資料僅用於就本次案件與你聯絡。
Think you are being scammed right now?
Hang up. Call the Police on 999 or the Scam Hotline on 1799.
懷疑自己正在被騙？
立即掛斷電話，致電警方 999 或反詐熱線 1799。
Fields marked * are required. 標示 * 的欄位為必填。
No. We are an independent assistance service and are not affiliated with the Singapore Police Force or any government agency. Official reporting, payment stoppage, and investigations can only be carried out through the Police (999 / SPF e-Services) and your own bank.
不是。我們是獨立的援助服務，與新加坡警察部隊或任何政府機構均無隸屬關係。正式的報案、止付與調查，只能透過警方（999 / SPF e-Services）及你的開戶銀行進行。
It depends on how much time has passed, where the funds went, the level of bank cooperation, and how complete the evidence is. Acting earlier improves the chance of interception. Anyone guaranteeing a "100% recovery" should be treated with strong suspicion.
取決於轉帳後的時間、資金流向、銀行配合程度及證據完整度。越早行動，攔截機會越高。任何人保證「100% 追回」都應高度警惕。
The initial assessment is free. If a lawyer or formal legal proceedings are required later, any costs will be set out in writing in advance for you to decide.
首次案件評估免費。若日後需要律師介入或正式法律程序，相關費用會事先以書面說明，由你決定是否進行。
Used only to contact you about this case, retained for 365 days and then deleted. Not used for marketing and not sold to third parties. See the Privacy Notice. 僅用於就本次案件與你聯絡，保存 365 天後自動刪除。不用於推銷，亦不出售給第三方。詳見私隱聲明。
Yes. As long as the scam involved a Singapore bank account or a Singapore number, the same reporting and claim processes apply, including for Employment Pass and work permit holders.
可以。只要詐騙涉及新加坡銀行帳戶或新加坡號碼，都適用相同的報案與申訴流程，包括就業准證及工作准證持有人。
Treat it as a scam until verified. The Police have specifically warned about fake advertisements using AI-generated images of officers to promote "scam recovery services". No agency will ask for an OTP, bank credentials, or an upfront payment to recover funds.
在核實之前，請一律視為詐騙。警方已明確警告，有不法分子使用 AI 生成的警官形象投放假廣告，推廣所謂「詐騙追回服務」。任何機構都不會索取 OTP、銀行憑證，或要求先付款以追回款項。
