The call sounds like it's from your bank's fraud department. They already know your account number and recent transactions. They just need "one more verification code" to stop a fraudulent transfer. That code is your real OTP and giving it away hands them the transfer they claimed to be stopping.
Scammers often already have partial account details from data leaks, making the call feel legitimate before they even ask for anything.
No real bank employee will ever ask you to read out an OTP over the phone. Not GTBank, not Zenith, not any bank. If anyone asks, the call is fraudulent hang up and call your bank directly using the number on your card.
Call your bank's fraud line immediately, report to the EFCC, and change your banking app password and PIN right away.
Hang up, then dial the number printed on the back of your card or on the bank's official app — never a number the caller gives you, and never "call back" the same number that just called you.
The full guide covers this and other Nigeria-specific scams in detail, with real reporting steps.
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