New Year ‘Greeting’ Message Can Empty Your Bank Account, Cyber Scam Alert Issued

The arrival of the New Year usually brings an exchange of greetings, images, and digital cards across WhatsApp and social media platforms. However, cybercriminals are using this festive enthusiasm as an opportunity to trap unsuspecting users. With smartphone usage spanning all age groups—from elderly citizens to teenagers—online fraudsters are finding it easier than ever to target victims through seemingly harmless messages.

Cyber experts point out that fraud cases spike during festivals and major celebrations. The reason is simple: people are busy sharing messages and forwarding content without closely checking what they are clicking or downloading. During this period, users are more likely to open unknown links or files, making them vulnerable to cyber attacks that operate silently in the background.

How the New Year Message Trap Works

The scam often begins with a basic “Happy New Year” message received on WhatsApp. The sender encourages the user to download an attached file to view a special greeting card, animated wish, or image. In some cases, users are also asked to forward the file to others. What appears to be a festive greeting is actually a malicious APK file.

Once installed, this file gives scammers access to the victim’s smartphone without their knowledge. The phone may continue to work normally at first, which makes it harder for users to detect the fraud immediately.

What Happens After the APK Is Installed

Victims of this scam have reported unusual activity on their phones within hours of downloading the file. Applications may open automatically, contact lists can be accessed without permission, and personal information may be compromised. In serious cases, fraudsters have misused banking apps and UPI services linked to the device, leading to unauthorized transactions and financial losses.

Police Issue Public Warning

The cybercrime division of the Hyderabad Police has issued an alert, urging citizens to stay cautious. Authorities have warned that cybercriminals are circulating fake APK files and dangerous links through WhatsApp, SMS, and emails. These links are designed to steal money and sensitive personal data. Police have advised users to avoid downloading files or clicking on links from unknown or unverified sources.

Understanding APK Files

APK stands for Android Package Kit. It is the file format used to install applications on Android smartphones, similar to how .exe files work on Windows computers. While APK files are essential for installing apps, they can be dangerous if sourced from outside official app stores.

Why APK Files Can Be Risky

APK files can be shared via messages, emails, or websites—a method known as sideloading. Although sideloading can be useful in limited situations, it carries significant risks. Files from unknown sources may contain malware capable of spying on users, stealing data, and accessing financial information. Past incidents have shown that phones infected through malicious APK files have been used to drain linked bank accounts.

Signs That a WhatsApp Message Is a Scam

Fraudulent messages usually create a sense of urgency, pushing users to act quickly. They may promise prizes, rewards, or special benefits. Messages from unknown numbers, spelling mistakes, strange links, or requests for OTPs, PINs, or bank details are strong warning signs. Genuine companies never ask for such sensitive information through messaging platforms.

Stay Alert This New Year

As people continue to celebrate and share digital greetings, staying alert is crucial. A single careless click can lead to serious financial and personal damage. Verifying messages, avoiding unknown files, and downloading apps only from trusted sources can help ensure that New Year celebrations remain joyful—and not a gateway to cyber fraud.