---
title: "Scam message red-flag checker"
canonical: https://panduanwarga.org/en/calculators/scam-message-checker/
language: en
reviewed: 2026-10-14
reviewed-by: "Kaiser Khan (https://panduanwarga.org/en/about/kaiser-khan/)"
publisher: "Panduan Warga (independent; not a government website)"
---

# Scam message red-flag checker

**Does this message show signs of a scam?**

Paste the message, after removing personal data, or tick what you saw; the checker looks for common red flags such as .apk files, requests for an OTP or PIN, time pressure, prizes, short links and transfers to personal accounts. It never says a message is safe: finding no red flags is not a guarantee. If it is too late, disconnect from the internet, call your bank on its official number and report to IASC.

## How the checker works

The checker matches the text against common scam patterns summarised from OJK’s Waspada Penipuan booklet and warnings from BSSN and Bank Indonesia, such as .apk files, OTP requests, time pressure, prizes, short links and transfers to personal accounts.

It runs on your device with simple rules, not artificial intelligence, and no text is sent. Scammers keep changing their methods, so a result with no red flags does not mean a message is safe.

## Calculator limits

- The checker only recognises common patterns and can miss new kinds of scams.
- A result with no red flags does not mean a message is safe.
- It does not check numbers, accounts or websites directly; use the official channels in our guide to spotting online scams.

## Frequently asked questions

### Is the text I paste sent to Panduan Warga?

No. The text is checked on your device and is not sent anywhere. Still remove personal data before pasting.

### If there are no red flags, is the message safe?

That cannot be confirmed. The checker only recognises common patterns; still check the sender on an official number or website you look up yourself.

### I already tapped a link or transferred money. What should I do?

Disconnect from the internet, call your bank on its official number, report to IASC, change your passwords and PIN, and keep the evidence. Full steps are in our guide to spotting online scams.

### Does this checker use AI?

No. It uses simple text-matching rules that run on your device.

## Related guides

- [How to spot online scams in Indonesia: common patterns and what to do in the first hour](https://panduanwarga.org/en/guides/spot-online-scams/)
- [Report financial transaction fraud to IASC OJK](https://panduanwarga.org/en/guides/report-financial-fraud-iasc/)
- [Personal data leaked or misused in Indonesia: what to do if someone uses your NIK or KTP photo](https://panduanwarga.org/en/guides/personal-data-leak/)

## Sources and review

1. [OJK: Booklet Waspada Penipuan (Scam) Mengintai Kita (Satgas PASTI, Agustus 2026)](https://ojk.go.id/id/berita-dan-kegiatan/info-terkini/Pages/Booklet-Waspada-Penipuan-Scam-OJK.aspx) (accessed 2026-10-14)
2. [OJK: PDF booklet Waspada Penipuan Mengintai Kita](https://ojk.go.id/id/berita-dan-kegiatan/info-terkini/Documents/Pages/Booklet-Waspada-Penipuan-Scam-OJK/Booklet%20Waspada%20Penipuan%20Mengintai%20Kita%2c%20Ayo%20Lawan%20dan%20Hindari%21.pdf) (accessed 2026-10-14)
3. [OJK: portal dan FAQ Indonesia Anti-Scam Centre (IASC)](https://iasc.ojk.go.id/) (accessed 2026-10-14)
4. [BSSN: imbauan keamanan modus penipuan undangan pernikahan elektronik .APK](https://www.bssn.go.id/imbauan-keamanan-modus-penipuan-menggunakan-undangan-pernikahan-elektronik-apk/) (accessed 2026-10-14)
5. [Bank Indonesia: telanjur klik APK penipuan? Segera ikuti 5 langkah ini](https://www.bi.go.id/id/publikasi/ruang-media/cerita-bi/Pages/telanjur-klik-apk-penipuan.aspx) (accessed 2026-10-14)

---

Source: Panduan Warga, https://panduanwarga.org/en/calculators/scam-message-checker/ (reviewed 2026-10-14). Estimates only; the employer, BPJS, customs, Samsat or the tax office sets the final amount.