A fraudulent website, https://nctocct.com, is making rounds online, claiming to offer N450,000 NIRSAL Microfinance Bank (NMFB) Conditional Cash Transfer (CCT) as part of the NCTO Household Uplifting Programme. This scam lures unsuspecting individuals with promises of financial relief but demands a ₦3,000 acceptance fee. Here’s what we uncovered.
The Claim
The fake platform sends messages like:
“Dear Household, Kindly Accept Your N450,000.00 NIRSAL Microfinance TCF for NCTO Household Uplifting Programme Conditional Cash Transfer at: https://nctocct.com.”
Once victims enter their phone numbers on the website, they are shown another person’s details, creating confusion and false urgency. The site then instructs users to pay a ₦3,000 acceptance fee to receive the funds.
The Reality
- Impersonation of a Legitimate Scheme:
The official website of NIRSAL Microfinance Bank is https://nmfb.com.ng, not https://nctocct.com - Red Flags Identified:
- The website’s design and messaging lack official branding and professionalism typical of government-backed scheme.
- Demanding an upfront payment for accessing funds is a classic hallmark of scams.
- Displaying other people’s information violates privacy laws and raises ethical concerns.
- No ₦450,000 Offer Exists:
NIRSAL Microfinance Bank has not announced any scheme offering ₦450,000 to households under the NCTO program. This claim is fabricated.
How to Stay Safe
- Verify URLs: Always cross-check the official website of institutions before sharing personal information.
- Be Wary of Upfront Payments: Legitimate organizations do not request fees for accessing grants or loans.
- Report Scams: Notify relevant authorities or cybercrime units if you encounter such fraudulent platforms.
Conclusion
The website https://nctocct.com is a scam designed to exploit vulnerable Nigerians seeking financial assistance. Spread awareness to protect others from falling victim to such deceptive tactics. Always rely on verified sources and official communication channels to access genuine government programs.
