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74-year-old man loses $70k after downloading third-party app to buy roast duck


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SINGAPORE – For six hours, a 74-year-old man chatted online with a friendly roast duck seller he met on Facebook, only to find his life savings almost wiped out after.

The elderly man, who wanted to be known only as Mr Loh, lost about $70,000 to scammers who siphoned money from his DBS and POSB credit card and bank accounts after infecting his Android phone with malware.

He had chanced upon a Facebook advertisement for a Peking duck from a supplier called “Xiao Xiao Ya Zi” on Aug 26.



He was enticed by the deal that offered $23.80 for a 1.5kg Peking duck with $5 shipping and contacted the seller on Facebook.

The seller texted Mr Loh on WhatsApp and instructed him through voice messages to download a third-party app called Grab&Go on his phone. The app prompted him to make a $5 payment through PayNow as a “deposit” before his order could be placed.

Mr Loh, who used to work as an importer, was initially suspicious of the ad but let his guard down when the seller convinced him that the promotion was not a scam.


“I asked him: ‘Is this a scam?’ He said that no one would be cheated of $5 and that this was a small thing. He told me that I had a lot of wisdom and experience. I agreed to proceed since this was a matter of only $5,” he told The Straits Times.



Within minutes, while he was still chatting with the seller, he noticed that his phone screen had gone blank.

When his phone restarted multiple times within 30 minutes, Mr Loh tried to close the third-party app and turn off his phone but failed.

Panicking, Mr Loh reached out to the scammer, who then reassured him that the phone reset was normal.


His wife, who overheard the conversation, realised something was amiss and called their daughter. She then got her brother to call DBS Bank immediately.

The bank officer told the family that the scammers had raised Mr Loh’s transaction limit, which was set at $3,000. They transferred about $59,000 out of his DBS current account and POSB savings account. The scammers also took a credit advance of about $11,000 using his DBS credit card.

He said he had set aside that money for his retirement and medical expenses.

“I couldn’t believe the news. I thought: Why am I so stupid? I was so angry at myself for being cheated of my life savings. My family is frustrated and I ended up quarrelling with my wife,” said Mr Loh, who has three children.



His daughter, who only wants to be known only as Ms Ang, said that she had warned her parents about such scams.

“As his children, we are all heartbroken that he was scammed even after we educated our parents about such scams. We thought we had done enough to minimise the risk,” she added.

Mr Loh sought help from DBS and made a police report on Aug 27.

The police confirmed that a report had been made and investigations are ongoing.

Mr Loh also questioned why he did not receive any notifications when his transaction limits were increased.

“I know that some banks require a 12-hour cooling-off period when there is an increase (in funds transfer limits). But my credit limit was changed immediately without my permission and knowledge,” he said.

When contacted, DBS said it has dedicated resources to “act swiftly” to help customers who are scammed. They can call the anti-fraud hotline on 1800-339-6963. DBS also has a safety switch function on its digibank app, which can temporarily block access to funds.

“As we intensify efforts to protect our customers, heightened vigilance and collective effort are crucial in combating scams and fraud,” said DBS, which also runs POSB.

Mr Loh has since changed his mobile phone and deleted his Facebook and Internet banking apps.

He said: “What I learnt was to not trust people online so easily. I’m not familiar with technology, so it would be best to ask my children to help me buy something online rather than do it myself.”

In the first half of 2023, at least $10 million in total was lost by more than 750 scam victims due to unauthorised banking transactions performed by malware, which also resets the victims’ phones.

Scammers, under the guise of “selling” everything from moon cakes to fish and durian day tour tickets on social media, have been instructing interested buyers to click on links to download third-party apps, which then allow the crooks to take control of the victims’ phones.

OCBC, UOB and DBS have recently announced greater controls aimed at protecting customers against malware-enabled scams.

For example, DBS is progressively pushing out a new anti-malware tool on its DBS/POSB digibank app, starting in September.

The anti-malware tool restricts users’ access to the DBS app if it detects the presence of malware, apps downloaded from unverified app stores with accessibility permissions enabled, or ongoing screen sharing on a customer’s device.

Once a known malware is detected, customers will receive a pop-up notification requesting that they secure their devices. They can do so by disconnecting their mobile devices from the Internet and deleting suspicious apps to regain access to their banking app.




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Same, last time rob ppl they need to be physically be at the location where I am at



Now rob ppl, can be from in front of their pc, phone in india, Brazil, china etc....... While I am at Singapore getting rob



The best way to protect myself is not to put money in bank( back to the 70s) and lesser bank service like phone banking, cannot take loan using phone etc...




Call me old fashion, old thinking, boomer etcc but once you kena rob by a hacker in russi, china, India etc... Then you better hope and pray bank return the money to u. 

Edited by The_King
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