Police warn of high-interest savings scam on Telegram

The trick of impersonating high-interest savings groups on Telegram is causing many people to lose all their money.

Recently, scam groups on Telegram have emerged with the trick of luring people to deposit savings with high interest rates, targeting those who are gullible or have little financial knowledge. They advertise interest rates far exceeding those of banks, fast withdrawals, and promise profits of “only profit, never loss”.

On November 23, 2025, Hong Chau Ward Police ( Hung Yen ) discovered that Mr. NMT (born 2007) participated in a Telegram group of this type. As soon as he created an account, he continuously received calls from a strange number claiming to be a "support staff", forcing him to pay money to enjoy a higher interest rate.

Noticing unusual signs, the police force coordinated with Mr. T.'s family to invite him to work, clearly explaining that this was a common form of financial fraud and providing instructions on how to identify it. Thanks to the timely detection, Mr. T. was not able to transfer the money so he did not suffer any loss.

The trick of impersonating high-interest savings groups on Telegram is causing many people to lose all their money.

According to the authorities, the scammers' modus operandi follows a familiar pattern: sending a link for the victim to create an account and deposit money into the website. Initially, the system displays the balance and increased interest, making users believe that the investment is really profitable. But when requesting a withdrawal, the website always reports "conditions not met", forcing players to deposit more.

The feeling of regretting the money they had put in, combined with the sweet words of the "consultant", made many people continue to deposit money until the Telegram group disappeared, the website closed and all the money disappeared.

As a precaution, Hong Chau Ward Police advise people to absolutely not participate in investment groups of unknown origin online, especially those offering unusually high interest rates. All financial transactions must be conducted through reputable, transparent channels and protected by law.

People are also asked to regularly update warnings from authorities and propagate to relatives to avoid being taken advantage of by bad guys. When detecting signs of fraud, it is necessary to immediately report to the police for timely handling and prevention of damage.

According to security expert Vu Ngoc Son, Head of Technology Department, National Cyber ​​Security Association, online fraud is becoming more and more sophisticated. To deal with these "invisible traps but causing tangible damage", agencies, businesses and organizations need to deploy 3 synchronous solutions, such as "3-layer shield".

The first “shield” is the legal corridor stipulated in the draft Law on Cyber ​​Security 2025. In particular, “data security” is identified as the key point with regulations that absolutely prohibit the theft, purchase, sale or illegal exchange of personal data, in order to prevent information leakage; at the same time, the law strictly prohibits the use of technology to fake information, images, voices or counterfeit products and brands. The second “shield” is technology, with banks and financial institutions implementing multi-layer authentication measures such as passwords, OTP, biometrics and behavioral analysis to detect unusual transactions. The third “shield” is skills - playing the most important role, each citizen needs to equip themselves with knowledge as a “digital vaccine”.

People need to practice safety reflexes through the principle of "3 no - 3 quick". In which "3 no" includes: Do not trust absolutely (even when receiving calls with the caller's face); do not install applications from strange links; do not transfer money without verification. "3 quick" includes: Quickly look up when receiving suspicious information; quickly disconnect when threatened or manipulated; quickly report to authorities when an incident occurs.

This view is also agreed by expert Ngo Minh Hieu, Director of Anti-Fraud Limited Liability Company - a social enterprise in the field of cyber security. Expert Ngo Minh Hieu emphasized that to protect themselves from criminals' "AI weapons", people should always remember to be vigilant if they receive calls, videos , or messages with unusual signs, such as requests to transfer money, provide sensitive information, take private photos or videos. Do not share photos, videos, personal voices, identification information, OTP codes, bank accounts, especially if the contact is a stranger or unknown. When in doubt, verify again through other channels (call directly, meet, ask relatives...) before following the request. "People need to remember that technology can be exploited, but people are still the weakest link and do not let psychological pressure fool you," said expert Ngo Minh Hieu.

The Anti-Phishing Project has just updated its website to a new version, adding a chatbot and an AI tool to identify scam sites on the Internet.

Users can access the website chongluadao.vn and enter the link to be checked. The system will compare the link with the Anti-Fraud database and third-party partners, then return the result if the website is safe, dangerous or has no clear data.

If you want to use AI, just click Analyze more with AI. At this point, the tool will analyze the website based on many different factors such as suspicious domain names, illegal content, containing risky links, using unusual hosting...

From the above data, AI will synthesize the factors and give a risk assessment on a 10-point scale. Suspicious details about information and images on the website are also analyzed and displayed on the results page.

The Anti-Phishing Project was co-founded by cybersecurity expert Ngo Minh Hieu in 2020 to support reliability checks and warnings when accessing unsafe websites. Users can contribute data by reporting malicious links on chongluaodao.vn.

Source: https://khoahocdoisong.vn/cong-an-canh-bao-chieu-lua-tiet-kiem-lai-cao-tren-telegram-post2149073615.html