Stop the Swap: How to Protect Yourself from SIM Swapping Attacks

Ever had your phone suddenly lose service for no reason, followed by a flood of “reset your password” emails?

If so, you may have been the target of a SIM swapping attack: a cyber scam that’s stealing identities, draining bank accounts, and taking over online lives.

But don’t worry. With a few smart moves (and some help from your mobile carrier), you can protect yourself and your phone number like a digital ninja. Let’s dive in.

What Is SIM Swapping?

SIM swapping (also known as a SIM hijack) is when a cybercriminal tricks your mobile carrier into transferring your phone number to their own SIM card or device.

Once they control your number, they can potentially intercept SMS-based two-factor authentication (2FA) codes and access your:

• Bank accounts
• Social media
• Email
• Crypto wallets
• Basically… your whole life

It’s like giving a thief the keys to your digital kingdom.

The Growing Threat (and What Carriers Are Doing)

The good news? U.S. carriers are finally stepping up.
Following growing reports of SIM-based fraud, AT&T, Verizon, T-Mobile, and even Mint Mobile now offer user-controlled SIM protections, meaning you decide when and how your SIM can be changed.

Here’s what each carrier offers and how you can activate these protections.

Verizon: SIM Protection & Number Lock

Verizon gives you two great features:

• SIM Protection – Blocks unauthorized SIM swaps or eSIM transfers.
• Number Lock – Prevents your number from being ported to another carrier.

Where to turn it on:

• My Verizon app or website
  • You’ll get a notification anytime you turn these settings on or off.
  • Don’t forget to re-enable after you make any legit changes!

T‑Mobile (and Metro by T‑Mobile): Enhanced SIM Security

T-Mobile overhauled its SIM protection system in 2025 and now offers:

• SIM Protection toggle – Activate per-line or account-wide via the T‑Life app or web portal.
• In-store photo ID requirement – Needed to remove the SIM lock.
• Port-Out Protection – Stops unauthorized number transfers.

This upgrade puts control in the user’s hands, no more backend-only protections.

Mint Mobile: Number Lock

Even Mint Mobile offers protection now:

• Number Lock – Prevents SIM activation or phone number changes.
• How it works: Disabling requires a one-time password (OTP) sent via SMS or email.
• Where to manage it: Mint app or online portal.

Note: Some users report that social engineering attacks still bypassed these protections. So while helpful, this shouldn’t be your only line of defense.

AT&T: Wireless Account Lock & Transfer PIN

AT&T has added:

• Wireless Account Lock – Stops unauthorized SIM changes.
• Transfer PIN – Required to port your number to another provider.

Where to activate: MyAT&T app under “Wireless Account Lock.”

Pro tip: Re-enable the lock immediately after making any changes.

6 Smart Ways to Protect Yourself from SIM Swapping

Even with carrier protections, criminals still find ways to trick support reps or buy insider access. Here’s how to stack your defenses:

1. Enable SIM Lock Settings (Today!)
Use your carrier’s app or website to lock your SIM and number. This is your first and easiest step toward safety.

2. Set a SIM PIN on Your Phone
This is different from your screen passcode. A SIM PIN blocks access if your SIM is physically removed and used elsewhere.

3. Stop Using SMS for Two-Factor Authentication
SMS 2FA is easy to intercept. Instead, use:

• Authenticator apps like Google Authenticator
• Hardware security keys

These can’t be hijacked with a phone number alone.

4. Watch for Carrier Alerts
If your carrier sends you an SMS or email about a security setting change you didn’t request, act fast.

5. Lock Down Your Personal Info
Those “fun” social media quizzes, like your royal name (first pet + street name), are goldmines for hackers. They mimic security questions used to reset your accounts. Avoid them like the plague they are.

Pro Tip:

• Skip the quizzes
• Keep profiles private
• Share less personal info online

Your “wizard name” isn’t worth your bank account.

6. Adopt Passkeys stored in a Password Manager.

Switch to Passkey authentication which eliminates the need for usernames and passwords combined with MFA of any kind.  It replaces the entire authentication process with a method equally as strong as Username +password +secure MFA.  That’s right! It is the future of strong authentication.

How Passkeys Help:

Passkeys are a modern replacement for passwords, and they significantly reduce the risk of SIM swap-based account takeovers. Here’s why:

• No SMS codes to intercept: Passkeys rely on public-private key cryptography and are tied to your device or biometrics (e.g., Face ID, fingerprint).

• They can’t be phished or reused: A passkey only works from your device and only with the original site/app.

• SIM swap is irrelevant: Controlling your phone number gives the attacker nothing if your accounts don’t rely on SMS.

Final Thoughts: Lock It or Lose It

SIM swapping isn’t just a hypothetical threat, it’s happening every day to everyday people.
Thankfully, carriers are now offering the tools to fight back, but only if you turn them on.
So remember:

• Lock your SIM via your carrier app
• Use stronger 2FA (no more SMS!) or better yet, replace with Passkeys!
• Set a SIM PIN on your device
• Watch for alerts
• Don’t overshare online

The power to protect your digital life is literally in your hands.

Sources and Additional Reading:

• SCMedia: AT&T rolls out protections to block SIM-swapping attacks

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