GTBank and Zenith OTP Scam 2026 — How It Works and What to Do

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.

Why it's so convincing

Scammers often already have partial account details from data leaks, making the call feel legitimate before they even ask for anything.

The one rule that stops this scam completely

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.

If you've already shared a code

Call your bank's fraud line immediately, report to the EFCC, and change your banking app password and PIN right away.