By Kenneth Marcos 
Shoppers filled malls and online stores this week, searching for gifts and holiday bargains. But along with the Christmas rush comes another concern for many families: the growing number of scammers trying to steal personal information and bank details during the season.
With digital fraud cases increasing every year, Land Bank of the Philippines reminded the public to stay alert and avoid sharing sensitive information, especially one-time passwords (OTPs). The bank said scammers often disguise themselves as legitimate institutions, sending fake messages or making calls that pressure victims into giving access to their accounts.
Landbank warned that sharing an OTP is like giving someone the key to your savings. Once scammers obtain it, they can take over an account within minutes. The bank emphasized that real bank staff will never ask for passwords, OTPs, or full card numbers during calls, emails, or chat messages.
The holiday season is one of the busiest periods for digital transactions. Many Filipinos rely on mobile banking, e-wallets, and online shopping platforms. While these tools offer convenience, they also create opportunities for cybercriminals. Fraud groups commonly use phishing emails, fake promos, and bogus delivery notifications to trick users into clicking harmful links.
Authorities have repeatedly urged the public to verify messages before responding. They advised customers to double-check the sender, avoid clicking unfamiliar links, and report any suspicious activity immediately. Cybersecurity groups also recommend activating two-step verification and keeping devices updated to reduce risk.
Landbank encouraged its clients to act quickly if they suspect their account has been compromised. Reports may be sent through the bank’s official hotline or email dedicated to phishing and scam cases. Early reporting helps prevent further losses and allows bank investigators to take action.
Consumer groups say digital literacy is becoming essential for all age groups. Many victims are first-time online banking users or elderly customers who may not be familiar with modern scams. The public is encouraged to guide family members and friends, especially during the holiday season when scammers become more active.
Despite the rise in fraud attempts, banks and government agencies continue improving security systems and awareness campaigns. Officials said that vigilance from customers remains one of the strongest defenses against cybercrime.
As Christmas draws near, the call is simple: stay cautious, protect your personal information, and make sure holiday memories—not scams—fill your December.
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