Top Security Tips to Protect Your Digital Wallet in 2025
In recent years, using digital wallets has become common across India. Whether you’re paying for groceries, booking a cab, or sending money to a friend, apps like Google Pay, PhonePe, Paytm, and others are used every day. This ease of use is great, but it also brings a risk—fraud. Many people are losing money because of scams linked to digital wallets.
This blog from Chakshu Portal will help you understand how these frauds happen and how to keep your digital wallet safe in 2025. You don’t need to be a tech expert. The steps are simple and can help you avoid losing money.
How Digital Wallet Scams Happen
Scammers use many tricks to cheat people. These scams can happen through calls, messages, or even apps. Here are some common ways people are being fooled:
1. Fake Messages
You may get an SMS or WhatsApp message saying your wallet needs to be updated or verified. These messages often contain a link. Once you click, your personal details or money could be stolen.
2. Fraud UPI Requests
Some people receive payment requests saying things like “You won a prize” or “Refund for failed transaction.” When you accept these, money is taken from your account.
3. Fake Customer Care Numbers
When people search online for help, they sometimes find fake numbers. If you call them, the scammers ask for your card details, OTPs, or UPI PIN and take your money.
Real Incidents That Have Happened
In many parts of India, people have lost money through such tricks. One example is of a man in Delhi who clicked on a link sent through a message. Within minutes, ₹50,000 was gone from his account. He later found out the message was fake. In another case, a woman in Mumbai searched for a customer care number and called a fraudster, who took ₹30,000 from her digital wallet.
These cases show that anyone can fall into the trap. That’s why it is important to know what to watch out for and how to act quickly.
10 Easy Tips to Keep Your Digital Wallet Safe in 2025
1. Use a Lock Screen and Wallet PIN
Always set a PIN or password on your phone. Also set a separate PIN for your digital wallet app. This helps stop anyone from using your wallet if your phone gets lost or stolen.
2. Turn on Two-Factor Authentication
Most wallet apps allow you to turn on an extra security feature. This means you need a second code (usually sent to your phone) to log in or send money. This gives better protection.
3. Never Share OTP or UPI PIN
No bank or app support person will ask for your OTP or PIN. If someone asks, it is a scam. Do not give it under any condition.
4. Download Apps from Official App Stores Only
Do not download wallet apps from unknown websites or links. Always use the Google Play Store or Apple App Store.
5. Don’t Click on Suspicious Links
If you get a message with a link, do not open it unless you’re sure it’s from your bank or wallet provider. Most frauds start with fake links.
6. Avoid Using Public Wi-Fi for Payments
Public Wi-Fi in places like cafes or railway stations is not always safe. Wait to use your wallet until you are on a private or secure network.
7. Check Your Transactions Regularly
Open your wallet app and check the transaction history every few days. If you see something odd, act quickly.
8. Update Apps and Phone Software
When your app or phone asks for an update, do it. Updates fix bugs and improve safety. Using old versions may make it easier for hackers.
9. Keep Fewer Wallet Apps
Don’t install too many apps that you don’t use. Keep just one or two that you trust and use often. It’s easier to manage and safer.
10. Report Fraud Immediately
If anything goes wrong, report it quickly. The faster you act, the better chance you have to stop the fraud. Use the Chakshu Portal to report such incidents.
How to Report Scams Using Chakshu Portal?
The government has made it easy to report scams through the Chakshu Portal. You don’t need to visit a police station. Here’s how to report a scam:
- Go to sancharsaathi.gov.in.
- Select “Chakshu” under Citizen Services.
- Choose the type of scam: Call, SMS, or WhatsApp.
- Fill in details like the number, date, and message.
- Enter your mobile number and verify using the OTP.
- Submit your complaint.
Once submitted, your report goes to the telecom department. They can block the scam number or take further action.
Why Use the Chakshu Portal?
The Chakshu Portal is made to protect people from digital scams. When you report fraud, it helps not only you but also others. Your report could stop scammers from cheating more people. It’s quick, simple, and works from your phone.
Final Words
Using digital wallets is fast and easy, but it also means you need to be a little careful. In 2025, scams are becoming smarter, but you can stay ahead by following these simple steps.
Don’t share your OTP. Don’t click unknown links. Keep your apps updated. And if you ever feel something is wrong, report it through Chakshu Portal.
Let your friends and family know about these tips too. Together, we can make digital payments safe for everyone in India.
