My bank sometimes call me with questions about verification, as I travel a lot and have weird purchase patterns that can span several continents over a few days.

But it’s easy for me to verify that it’s them: Not only is Norwegian a rare language among Nigerian princes, but I use a tiny local bank so I recognize them by the dialect.

And even if it were a scam verification, they only ask for relatively inconsequential information, such as how much I have in my savings account, where I use my card the most, and roughly how much is paid into my account by my employer every month.