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Payment scams are surging in Ireland, with AIB reporting a 59% jump in cases in July. Fraudsters are increasingly using convincing texts and phone calls to impersonate banks and other trusted organisations, pressuring victims to transfer money, reveal security codes or even hand over cards and cash. AIB says it will never ask customers to move money to a “safe account” or share passwords and security codes. Sometimes a few seconds of hesitation can save a lot of money.