Why this matters
The "safe account" scam is one of the most effective frauds out there, because it turns your own instinct to protect your money against you. Someone posing as your bank or payment provider says your account is under attack — and the only way to keep your money safe is to move it to a "secure" or "safe" account. That account belongs to the fraudster.
There is one thing to remember above all: no genuine institution will ever ask you to move your money to a "safe account." That request is always a scam.
How the scam works
The alarm. You're contacted — call, text, or email — and told there's fraud or suspicious activity on your account.
The trust. The "agent" sounds professional, may know some of your details, and the caller ID might even show a real-looking number.
The pressure. You're told to act immediately, and often to stay on the line and not tell anyone the real reason.
The move. You're guided to transfer your balance to a "safe account" — sending your money straight to the fraudster.
Because you authorise the transfer yourself, it can be very hard to recover. → See: Authorised Push Payment (APP) Scams
Warning signs
Any instruction to move or transfer your money to keep it "safe."
Urgency and fear — "your money is at risk right now."
Being told to stay on the line or keep the reason secret.
A caller who already knows some details about you (fraudsters use data from breaches or earlier scams).
Pressure to ignore warnings shown by your app or told to you by staff.
How to protect yourself
Know the golden rule: real banks and providers never ask you to move money to a safe account.
Hang up and verify. End the call and contact the organisation using an official number or the app — never the number the caller gave you.
Don't be rushed. Genuine security processes don't depend on you acting within minutes.
Ignore reassuring caller ID. Numbers can be spoofed to look official.
Ask us. If a message claims to be Blackcat, check through the 24/7 in-app support chat before doing anything.
What it sounds like
"This is the fraud team. Someone has accessed your account and is trying to take your money. For your protection, we've opened a safe account in your name — transfer your balance there now while we secure everything. Please stay on the line and don't discuss this with anyone."
Every element — urgency, secrecy, authority, the "safe account" — is a red flag. Hanging up and checking independently stops it.
What to do if you moved money
Contact us immediately through the in-app support chat — the first minutes give the best chance of stopping the funds.
Don't make any further transfers, and end contact with the "agent."
Change your password if you shared any login details.
Ignore anyone offering to recover your money for a fee — that's a follow-up scam.
Keep records and report it.
→ See: I Think I've Been Scammed: Immediate Steps