Smishing and vishing are two types of fraud that use SMS (smishing) and voice (vishing) to trick people into giving up money or personal information. These two increasingly common types of “social engineering” attacks have been wreaking havoc worldwide recently—and the change and uncertainty brought about by the COVID-19 pandemic have exacerbated the problem.
This article will:
Before we look at smishing and vishing in detail, let’s clarify the difference between smishing, vishing, and phishing. Smishing and vishing are two types of phishing attacks. They’re “social engineering attacks,” meaning that in a smishing or vishing attack, the attacker uses impersonation to exploit the target’s trust.
Because 96% of phishing attacks arrive via email, the term “phishing” is sometimes used to refer exclusively to email-based attacks. But it’s important to guard against threats arising from other means of communication too, including smishing, vishing, and social media phishing.
Regardless of how the attack is delivered, the message will appear to come from a trusted sender and may ask the recipient to:
Smishing—or “SMS phishing”—is phishing via SMS (text messages). The victim of a smishing attack receives a text message, supposedly from a trusted source, that aims to solicit their personal information.
These messages often contain a link (generally a shortened URL) and, like other phishing attacks, they’ll encourage the recipient to take some “urgent” action, for example:
Just like phishing via email, the rates of smishing continue to rise year on year. Data from the Federal Trade Commission (FTC) suggests that US consumers lost over $86 million through scam text messages in 2020.
Reports of malicious text messages nearly tripled: from 107,663 in 2019 to 305,241 in 2020. And in October 2021, the UK government relaunched its Joint Fraud Taskforce after research revealed that 82% of adults received a suspicious text or email over the previous three months.
Smishing attacks most commonly target consumers. But increasingly, fraudsters are using smishing techniques to target businesses, too. A good example of how smishing attacks affect businesses comes from the UK, where the country’s tax authority (Her Majesty’s Revenues and Customs or “HMRC”) regularly warns businesses about scam text messages.
In October 2021, HMRC reminded business owners that it would “never ask for personal or financial information” via text and that recipients should never reply to a message offering “a tax refund in exchange for personal or financial details.”
Cybercriminals are using increasingly sophisticated methods to make their messages as believable as possible. That’s why many thousands of people fall for smishing scams every year. In a study carried out by Lloyds TSB, participants were shown 20 emails and texts, half of which were inauthentic. Only 18% of participants correctly identified all of the fakes.
So, given that smishing messages are so persuasive, how can you spot one? To help familiarize you with how smishing messages look, here’s a real-life example:
The message above appears to be from the Driver and Vehicle Licensing Agency (DVLA) and invites the recipient to visit a link. Note that the link appears to lead to a legitimate website—“gov.uk” is a UK government-owned domain.The use of a legitimate-looking URL is an excellent example of the increasingly sophisticated methods that smishing attackers use to trick unsuspecting people into falling for their scams.
Smishing texts share some common characteristics with phishing emails. For example, a smishing message will normally:
Another clue that a text message might be malicious is the sender’s phone number. Large organizations, like banks and retailers, will generally send text messages from short-code numbers. Smishing texts often come from “regular” 11-digit mobile numbers. Smishing messages might also be poorly-written or contain typos. However, don’t rely on these sorts of mistakes—typos in smishing messages are increasingly uncommon as fraudsters become more sophisticated.
Vishing — or “voice phishing” — is phishing via phone call. Vishing scams commonly use Voice over IP (VoIP) technology.
Like targets of other types of phishing attacks, the victim of a vishing attack will receive a phone call (or a voicemail) from a scammer, pretending to be a trusted person who’s attempting to elicit personal information such as credit card or login details.
So, how do hackers pull this off? They use a range of advanced techniques, including:
A vishing scam often starts with an automated message, telling the recipient that they are the victim of identity fraud. The message requests that the recipient call a specific number. When doing so, they are asked to disclose personal information. Hackers then may use the information themselves to gain access to other accounts or sell the information on the Dark Web.
The pandemic has presented many opportunities for online fraud, and we’ve seen COVID–related smishing scams in abundance. Here’s a particularly appalling example—in June 2021, the Better Business Bureau revealed that scammers were impersonating agents from a government-backed funeral program and targeting families that had lost loved ones to coronavirus.
But—like with smishing—vishing scammers don’t just target consumers. COVID-19-related vishing attacks have hit businesses, too.
On August 20, 2020, the Federal Bureau of Investigation (FBI) and Cybersecurity and Infrastructure Security Agency (CISA) issued a joint statement warning businesses about an ongoing vishing campaign. The agencies warn that cybercriminals have been exploiting remote-working arrangements throughout the COVID-19 pandemic. The scam involves spoofing login pages for corporate Virtual Private Networks (VPNs), so as to steal employees’ credentials. These credentials can be used to obtain additional personal information about the employee.
The attackers then use unattributed VoIP numbers to call employees on their personal mobile phones. The attackers pose as IT helpdesk agents and use a fake verification process using stolen credentials to earn the employee’s trust.
Vishing attacks share many of the same hallmarks as smishing attacks. In addition to these indicators, we can categorize vishing attacks according to the person the attacker is impersonating:
One key to preventing smishing and vishing attacks is providing employees with security training. Security awareness training is a key part of complying with privacy and security laws, such as the General Data Protection Regulation (GDPR) and the New York SHIELD Act. You can read more about how compliance standards affect cybersecurity on our compliance hub.
Training can help ensure all employees are familiar with the common signs of smishing and vishing attacks, which could reduce the possibility of falling victim to such an attack. But, what do you do if you receive a suspicious SMS or voice message? The first rule is: don’t respond.
If you receive a text requesting that you follow a link—or a phone message requesting that you call a number or divulge personal information—ignore it until you’ve confirmed whether or not it’s legitimate. If the message appears to be from a trusted institution, search for the organization’s phone number and call directly. For example, if a message appears to be from your phone provider, search for your phone provider’s customer service number and discuss the request directly with the operator.
If you receive a vishing or smishing message at work or on a work device, make sure you report it to your IT or security team. If you’re on a personal device, you should report significant smishing and vishing attacks to the relevant authorities in your country, such as the Federal Communications Commission (FCC) or Information Commissioner’s Office (ICO).