# Phantom hand scam: how it works and what to do · Bipe A fake bank employee asks you to install an app to protect your account. It is a remote-access app, and with it the scammer controls your phone. No bank asks for this. **The phantom hand scam: the app the fake bank asks you to install** Also called: remote access scam, phantom hand scam. ## How it works 1. The scammer calls or writes as the bank: a suspicious purchase, a hacked account. 2. They ask you to install a support or protection app, and to pass on an access code. 3. With the app, they see your screen, open your bank app and make transfers. ## How to spot it - They ask you to install an app from outside the official store, or a remote-access app. - They ask you not to hang up and to follow instructions. - The phone starts moving on its own. ## What to do - Hang up at once. No bank asks you to install an app. - Already installed? Turn off the internet, delete the app and call the bank from another phone. - Then reset the phone and file a police report. ## How Bipe helps Each item shows where it stands on iPhone and Android. - [Scam warnings](https://bipe.chat/en/features/scam-warnings/) (iPhone: In the test app; Android: In development): A warning shows under a message that looks like a scam, such as a rushed Pix, a new number or a boleto. It is on by default, with nothing to set up. - [Reserved names](https://bipe.chat/en/features/reserved-names/) (iPhone: Coming soon; Android: Coming soon): Bank, government and Bipe names are kept for the institution's verified account. **What Bipe does not solve here:** Once the app is installed, the scam happens outside the chat. The warning shows when a message asks you to install a remote-access app, but Bipe cannot stop the install. Bipe only protects the chats that happen in Bipe. If someone in the family still uses another app, a scammer can write to them there. ## Who describes this scam - [Golpe acesso remoto ou mão fantasma](https://portal.febraban.org.br/DetalheAntifraude/9/pt-br/) (Febraban) - [Glossário de Tipologias de Fraudes e Golpes Digitais](https://www.gov.br/mj/pt-br/assuntos/alianca-nacional-de-combate-a-fraudes-bancarias-digitais/glossario_final_iniciativa_1-8_v10.pdf) (Ministério da Justiça e Segurança Pública e Febraban (Aliança Nacional de Combate a Fraudes Bancárias Digitais)) - [Golpes: Caiu? Veja o que Fazer (Cartilha de Segurança para Internet)](https://cartilha.cert.br/fasciculos/golpes-o-que-fazer/fasciculo-golpes-o-que-fazer.pdf) (CERT.br, NIC.br) ## Other common scams - [Fake relative](https://bipe.chat/en/scams-in-brazil/fake-relative-scam/) - [Taken number or account](https://bipe.chat/en/scams-in-brazil/cloned-number-scam/) - [Fake bank call centre](https://bipe.chat/en/scams-in-brazil/fake-bank-call-scam/) - [Pix and fake boleto](https://bipe.chat/en/scams-in-brazil/pix-scam/) - [Fake shop](https://bipe.chat/en/scams-in-brazil/fake-shop-scam/) - [Threats with your data](https://bipe.chat/en/scams-in-brazil/threat-scam/) - [Fake acquaintance](https://bipe.chat/en/scams-in-brazil/fake-acquaintance-scam/) - ["I sent you a code by mistake"](https://bipe.chat/en/scams-in-brazil/code-by-mistake-scam/) - [Romance scam](https://bipe.chat/en/scams-in-brazil/romance-scam/) - [Fake lawyer](https://bipe.chat/en/scams-in-brazil/fake-lawyer-scam/) - [Fake government body](https://bipe.chat/en/scams-in-brazil/fake-government-scam/) - [Fake delivery fee](https://bipe.chat/en/scams-in-brazil/fake-delivery-fee-scam/) - [Fake job and task scam](https://bipe.chat/en/scams-in-brazil/task-job-scam/) - [Fake support](https://bipe.chat/en/scams-in-brazil/fake-support-scam/) - [Fake second-hand sale](https://bipe.chat/en/scams-in-brazil/fake-seller-scam/) - [Fake buyer and fake receipt](https://bipe.chat/en/scams-in-brazil/fake-receipt-scam/) - [Fake rental](https://bipe.chat/en/scams-in-brazil/fake-rental-scam/) - [Wrong Pix](https://bipe.chat/en/scams-in-brazil/wrong-pix-scam/) - [Fake boleto](https://bipe.chat/en/scams-in-brazil/fake-boleto-scam/) - [Fake loan](https://bipe.chat/en/scams-in-brazil/fake-loan-scam/) - [Fake investment](https://bipe.chat/en/scams-in-brazil/fake-investment-scam/) - [Betting and "tigrinho"](https://bipe.chat/en/scams-in-brazil/betting-scam/) - [Fake link](https://bipe.chat/en/scams-in-brazil/fake-link-scam/) - [SIM swap](https://bipe.chat/en/scams-in-brazil/sim-swap-scam/) - [Fake kidnapping](https://bipe.chat/en/scams-in-brazil/fake-kidnapping-scam/) - [Sextortion](https://bipe.chat/en/scams-in-brazil/sextortion-scam/) - [Group chat scam](https://bipe.chat/en/scams-in-brazil/group-chat-scam/) - [Fake fundraiser](https://bipe.chat/en/scams-in-brazil/fake-charity-scam/) - [Scams in Brazil in numbers](https://bipe.chat/en/scams-in-brazil/) ## Where these numbers come from Researched on 13 October 2026. We only use numbers that have a source. Surveys by a company or a private association are marked as such. - [Glossário de Tipologias de Fraudes e Golpes Digitais](https://www.gov.br/mj/pt-br/assuntos/alianca-nacional-de-combate-a-fraudes-bancarias-digitais/glossario_final_iniciativa_1-8_v10.pdf) (Ministério da Justiça e Segurança Pública e Febraban (Aliança Nacional de Combate a Fraudes Bancárias Digitais), 2025-10) - [Golpe acesso remoto ou mão fantasma](https://portal.febraban.org.br/DetalheAntifraude/9/pt-br/) (Febraban, 2025-01-21) - [Golpes: Caiu? Veja o que Fazer (Cartilha de Segurança para Internet)](https://cartilha.cert.br/fasciculos/golpes-o-que-fazer/fasciculo-golpes-o-que-fazer.pdf) (CERT.br, NIC.br, 2026-05) ## Download - Install on iPhone: https://testflight.apple.com/join/k3ycEfzk (Test version, through Apple TestFlight.) - Download for Android: https://bipe.chat/baixar/android/bipe.apk (Test version. Download the file and open it on your phone. Android asks you to allow the install. Notifications do not work yet.) An experiment by Envisioning: https://envisioning.com ## Source code - iPhone app: https://github.com/bipe-chat/bipe-ios - Android app: https://github.com/bipe-chat/bipe-android - App rules and text: https://github.com/bipe-chat/bipe-shared - Invites and @ directory: https://github.com/bipe-chat/bipe-api - This site: https://github.com/bipe-chat/bipe-web - Colours and styles: https://github.com/bipe-chat/compound-design-tokens - On-device scam model: https://github.com/bipe-chat/bipe-ml - Business bridge and inbox: https://github.com/bipe-chat/bipe-business