Well, it was bound to happen—scammers are now using AI tools like ChatGPT and Grok to whip up fake transaction receipts for bank and GCash transfers. Facebook user Peb De Leon found this out the hard way when a friend claimed to have sent him money through BPI. He got screenshots as proof, but the money never showed up in his account. Turns out, the BPI transaction receipt was actually generated using AI, and it looked super convincing. If he hadn’t double-checked his transaction history, he probably wouldn’t have noticed it was fake.

It’s not just BPI users who need to watch out—people have found that fake bank and payment receipts from other platforms can also be easily faked using AI image generators like ChatGPT and Grok. These tools can create a pretty realistic-looking transaction receipt in seconds. Until there are stricter rules around this kind of AI-generated content, users need to stay sharp when accepting payments for goods or services. Always double-check that the money has actually landed in your bank account or e-wallet before handing anything over. Here are a few tips to help you avoid getting scammed:

How to avoid being victimized by fake AI receipts:

1. If selling a product, make sure you have received confirmation of the transfer in your bank via SMS or email alert.

2. Double check if the money really did arrive in your account before releasing or shipping items.

3. If the amount hasn’t reflected in your account yet and the buyer is rushing you, this is a huge red flag. WAIT until it actually arrives before doing anything.

4. Do meet-ups whenever possible to ensure you are not scammed.