1. A customer receives a phone call from a local number, claiming to be calling from FCMB.
2. The fraudster confirms your account name, date of birth and BVN, and then claims that your BVN has some issues that needed to be fixed immediately for you to continue to operate your account.
3. The fraudster then requests for customer’s debit card details including PAN (16-digits number in front of the card), Security (3-digit security code also at back of the card), Expiry Date and debit card PIN.
4. The unsuspecting customer shares these details after which the fraudster initiates an online transactions with the customer's card.
5. The fraudster then calls again to retrieve the one-time password (OTP) sent to customer's registered telephone line to authorize the transaction, while pretending to need the OTP to finalize resolution of the bogus issue.
6. Few minutes later, the customer is shocked to see debit alerts, and his account emptied.

My opinion:
These criminals are always evolving and changing tactics. So, pause before you click, think before you download. And consider speaking with elderly people (or anyone for that matter) in your circle that may get excited when they heard their banker is calling them.