The most common fraud scenarios

Suspicious SMS messages

• Scammers can send you fake SMS messages on behalf of the bank to obtain your personal data or details of your means of identification. Such messages usually ask you to click on the link sent, open the attachment, or call the specified phone to allegedly update, verify, unblock your Internet Bank account.
• Never reply to an SMS asking for personal information. Never click on links or open attachments received from an unknown sender, as you may activate a virus or be redirected to a fake website.
• If, after clicking on a link, you are redirected to a website that looks similar to ours, do not enter any of the requested details. Check if the website uses https:// and if its address is actually https://urbo.lt/lt. If you have further suspicions, please refer to and consult with the specified contacts.

Suspicious emails or calls

• If you received a suspicious call or email from an alleged bank employee or police officer asking you to disclose sensitive login details, do not provide the requested information. Do not trust a person just because they know some information about you. Scammers use various scam scenarios (ask for updates, report suspicious banking transactions, etc.), but they have one thing in common: they always ask to disclose sensitive login details for the Internet Bank or to enter a code generated by an authentication tool and confirm the transaction.
• Employees of the bank or any government institution never contact individuals asking to disclose their login details for the Internet Bank and initiate or approve transactions. If you received a call or email asking you to do so, please notify us about it immediately
• f you received a notification from your business partner that their bank details, which you use for payment purposes, have changed, be especially careful. It is possible that the scammers, after receiving information about your cooperation, have falsified the data and expect you to make the transfer to them. Use reliable communication channels and do not make a transfer until you are sure of the authenticity of the changed details..

Fake online stores or advertisements

• There has been an increase in cases where scammers create online stores (or fake copies of real stores with similar addresses) where they allegedly sell items or services, usually offering them at lower prices than other stores.
• Sometimes scammers buy advertising space on search platforms or social media, so their fake online stores are displayed at the top of search results. Do not trust the advertisements blindly and pay attention to a few essential points: whether the online store publishes its contact information (phone number, email address, registered address), whether you are asked to indicate the shop itself or any other natural person as the payee when making a payment. Be especially critical of the situation if the payee’s account is not with a payment institution registered in the Republic of Lithuania.