IsonAIOnline scams keep getting slicker, but the tools to check them are free and public. The key is to identify what is suspicious first, because each type has its own official channel in Indonesia. A bank account is checked at cekrekening.id, a phone number is reported to aduannomor.id, an investment’s legality is verified with OJK Contact 157, while fake jobs and shops are spotted by their patterns. If you have already transferred money, report to IASC (OJK) as fast as possible so the funds can be frozen. This guide gives the check step and the report step for each.
Reviewed as of July 2026. Every channel, contact number, and legal reference below was matched against official sources (Indonesia’s Ministry of Communication and Digital Affairs, the Financial Services Authority OJK, and the National Police) that month. Numbers and URLs can change; when in doubt, open the agency’s official site directly.
First, decide what you are checking
Rather than memorising every trick, start from the object. Pick the matching row, then follow the section below.
| What is suspicious | Main check/report channel |
|---|---|
| A recipient’s bank account / e-wallet | cekrekening.id (Komdigi) |
| A phone, WhatsApp, or SMS number | aduannomor.id (Komdigi) |
| An investment or online-loan offer | OJK Contact 157 + Satgas PASTI |
| A job advertisement | Verify the company + patrolisiber.id |
| An online shop or a link | Check the domain + aduankonten.id |
| Money already transferred | Your bank + IASC (iasc.ojk.go.id) |
1. The recipient’s bank account
How to check. Before transferring to a seller, an “admin”, or anyone you don’t know, open cekrekening.id — the official portal of Indonesia’s Ministry of Communication and Digital Affairs (Komdigi). Choose Periksa Rekening (“check account”), select the account type (bank or e-wallet), pick the bank, and enter the account number. It shows whether the account has been reported for suspected crime. A clean record is not proof of safety, but an account with many reports is a clear red flag.
How to report. If you were a victim, use Laporkan Rekening (“report account”). Write the full sequence of events and attach evidence: screenshots of the conversation and proof of the transfer/payment. You will also be asked for valid reporter details. Reporting helps block the account and warns future victims.
2. A phone, WhatsApp, or SMS number
How to check. For a number claiming to be your bank, a courier, a government office, or offering a prize, don’t judge by the message alone. Verify by contacting the organisation’s official channel that you look up yourself — never the number the suspicious party sends you. Be wary of an ordinary personal number posing as an official service.
How to report. Report scam numbers to aduannomor.id (Komdigi). Choose Laporkan Nomor Seluler (“report a mobile number”), enter the number, then pick a category (such as impersonation, fraud, fake online investment, or online gambling) and a block type (block the number or block WhatsApp). Attach an SMS or chat screenshot as evidence and fill in your reporter details. After officials verify it, the operator can block the number.
Quick extra step. Block and report the number in the app itself (in WhatsApp: Block, then Report), don’t tap any links, and never read out an OTP code.
3. Investments & online loans
How to check legality. Before putting money in, confirm the operator is licensed. Contact OJK Contact 157 — OJK is Indonesia’s Financial Services Authority. You can call 157, message WhatsApp 081157157157, or email konsumen@ojk.go.id to ask whether a company or app is licensed. OJK also publishes a list of illegal entities through Satgas PASTI (the Task Force for Eradicating Illegal Financial Activity, formerly the Investment Alert Task Force) on its Waspada Investasi portal. Follow OJK’s “2L” rule: Legal (properly licensed) and Logis (returns that make sense).
Signs of a bogus investment:
- Guaranteed, fixed, high returns. Real returns fluctuate and rise only with risk.
- Member-get-member schemes. Income depends on recruiting new members, not on a real product or business.
- Pressure to decide now using “limited quota” or “price about to rise”.
- Vague legality or misuse of another institution’s logo/licence.
- Illegal lenders (pinjol ilegal): disburse loans with no clear process, demand access to your entire contacts and photo gallery, and charge unreasonable interest and penalties.
How to report. Report an illegal investment or lender via OJK Contact 157, WhatsApp 081157157157, or konsumen@ojk.go.id. If you have already transferred money, continue to “If you have already been scammed”.
4. Job advertisements
Signs of a fake job:
- Up-front payment for a uniform, training, an “admin fee”, or a deposit.
- Chat-only interviews (WhatsApp/Telegram), with no proper process or verifiable office.
- A vague company: a generic name, unclear address, a free email domain, no official trace.
- Unrealistic pay for very light work.
- “Task”/commission scams: you are asked to transfer money to “complete a task” with a promise of a refund plus a bonus. This is a scam.
How to verify. Search the company on its official site and check its real careers page; match the recruiter’s email against the official domain (not a personal Gmail/Outlook address); call the company’s official number that you found yourself to confirm the opening is real.
How to report. There is no single dedicated hotline for fake jobs. Report to the company whose name is being misused so they can warn the public, report the recruiter’s number to aduannomor.id, and if you lost money, follow the steps in “If you have already been scammed” (report to IASC to freeze funds and file a Police Report).
5. Online shops & phishing links
How to check a shop. Prefer transacting inside an official marketplace app using its payment and buyer-protection features; avoid being pulled “off-platform”. Check the seller’s reputation (reviews, transaction count, store age) and be suspicious of prices far below market.
How to check a link. Read the domain carefully: scammers use names close to an official site with a slight change in letters, an added word, or an unusual ending. The padlock (HTTPS) only means the connection is encrypted — it is not proof the site is honest. Never enter login or card details on a page you opened from a message link; type the official address into your browser yourself.
How to report. Resolve disputes through the marketplace’s own help/report centre. Report phishing sites or content to aduankonten.id (Komdigi), and report a bad seller’s account to cekrekening.id.
Seven scam signals (quick reference)
These apply to almost every scheme:
- Offers that are too good — big pay for light work, or “guaranteed” profit.
- Up-front payment for something that should be free.
- Vague identity — the company or entity is hard to trace.
- Domains and links that mimic an official site but differ slightly.
- Time pressure to decide right now.
- Requests for OTP, PIN, or card details — legitimate parties never ask.
- Communication only via private messaging apps, not official channels.
If you have already been scammed
Speed is everything, because money moves fast. Do this in order:
- Call your bank or e-wallet immediately on its official hotline to report the fraudulent transaction and request a block. Keep the case/ticket number.
- Report to IASC (Indonesia Anti-Scam Centre) at iasc.ojk.go.id. IASC is coordinated by OJK with the banks to freeze funds still sitting in the recipient’s account. Recovery is far more likely within hours of the transfer, though there is no guarantee. IASC handles the financial side (freezing funds) and does not replace a police report for the legal process — you need to do both (see step 5).
- Secure your accounts: change your email and related passwords, enable two-factor authentication (2FA), and share OTPs with no one.
- Report the scammer’s account and number to cekrekening.id and aduannomor.id.
- File a formal Police Report (LP) at an SPKT (integrated police service desk) at the nearest district/regional police station, for the legal process against the scammer. This complements the IASC report, it does not replace it — and, conversely, IASC does not replace a police report. patrolisiber.id (the National Police cyber unit) is an additional online reporting channel, not a substitute for an LP at the SPKT; lapor.go.id is likewise not a substitute for IASC or a police report. Bring all your evidence (screenshots, transfer proof, the scammer’s account number and contacts).
- Lodge a public-service complaint via lapor.go.id if relevant.
Where to check and report
| Need | Official channel |
|---|---|
| Check/report a scammer’s account | cekrekening.id (Komdigi) |
| Report a phone/WhatsApp/SMS number | aduannomor.id (Komdigi) |
| Verify & report investment/loan | OJK Contact 157 · WhatsApp 081157157157 · konsumen@ojk.go.id |
| Freeze funds after a scam | IASC — iasc.ojk.go.id |
| File a formal Police Report (LP) | police SPKT desk (formal LP) · patrolisiber.id (additional online channel) |
| Report a phishing site/content | aduankonten.id (Komdigi) |
| Public-service complaints | lapor.go.id |
After you report
Keep every ticket number and record of communication. Watch your bank statements and email for suspicious activity over the following weeks. Police follow-up can take time, so stay cooperative if you’re called in for questioning. Finally, beware of follow-on scams: anyone who claims they can “recover your lost money” if you pay a fee first is almost always the next scammer.
Quick help from IsonAI
Unsure about an offer, message, or link? Paste it into IsonAI, and it will help flag the danger signs and suggest the right way to check. To be honest: IsonAI helps you read the patterns, but final verification is still through the official channels above (cekrekening.id, aduannomor.id, OJK Contact 157). Never share an OTP, PIN, or card details with anyone — including while asking for help.
Frequently asked questions
How do I tell if a bank account belongs to a scammer?
Enter the account (or e-wallet) number at cekrekening.id via the “Periksa Rekening” menu. If the account has already been reported for suspected fraud, that is a strong warning. An unreported account is not automatically safe, so still verify the seller or party you’re dealing with.
How do I report a scam WhatsApp or SMS number?
Open aduannomor.id, choose “Laporkan Nomor Seluler”, enter the number, pick a fraud category, and attach a screenshot as evidence. You can request that the number or the WhatsApp account be blocked. It’s also wise to block the number directly on your phone.
How do I check whether an investment is legal?
Contact OJK Contact 157 (call 157, WhatsApp 081157157157, or konsumen@ojk.go.id) to check an entity’s licence, and review the Satgas PASTI illegal-entity list on OJK’s Waspada Investasi portal. Use the “2L” rule: make sure it is Legal (licensed) and Logis (returns that make sense). Guaranteed high fixed returns are a classic sign of a bogus investment.
Can money I already transferred be recovered?
Sometimes, but there is no guarantee. Immediately call your bank/e-wallet and report to IASC (iasc.ojk.go.id) so funds in the recipient’s account can be frozen. The sooner you report (ideally within hours), the better your chances, because scammers usually move the money quickly.
How do I report a fake job advertisement?
There is no single dedicated channel. Report to the company whose name is misused, report the recruiter’s number to aduannomor.id, and if you lost money, report to IASC to freeze funds and file a Police Report (see “If you have already been scammed”). Keep every conversation and proof of transfer.
Can IsonAI confirm that something is a scam?
IsonAI can help you recognise danger signs and plan how to check, but it cannot replace official verification. Base your final decision on the results from the official channels named in this guide.
Sources & review
This guide was reviewed in July 2026 against the following official sources.
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