Apple’s iOS 27 scam-protection feature is called Impersonation Risk Detection. It can help supported apps respond when an action may involve social engineering. Understanding its scope matters as much as finding the switch.
Quick answer: Check Settings → Privacy & Security → Impersonation Risk Detection. Support depends on the app; this is not a blanket check of every call, text, or bank transfer.
What iOS 27 scam protection does
According to Apple’s explanation, published September 14, 2026, a supported third-party app can request a risk assessment for an action such as a payment or security change. The app decides how to respond—for example, with a warning, delay, or additional verification. The feature begins with iOS 27 and iPadOS 27.
Apple describes three levels: Unknown, Medium, and High. Unknown does not mean an action is safe. TIAS has not independently tested detection effectiveness or verified support by any particular bank.
Where to check the setting
Apple’s iPhone User Guide gives this path:
- Open Settings.
- Select Privacy & Security.
- Open Impersonation Risk Detection.
- Review Share with App Developers and turn it on if you want to share risk assessments with supported apps.
Check the current switch on your device; do not assume its default state. You can compare the screen with Apple’s actual settings image. That image is Apple documentation, not a TIAS device test.
Apple also documents Recent Activity, reasons for access, and controls for individual apps. Setting changes can take up to 24 hours.
What information is shared?
Apple says analysis of patterns, timing, context, and basic sensor signals happens on the device. The app receives a risk level rather than the underlying data; Apple learns the type of action requested. That is narrower than saying no information ever leaves the phone. These are Apple’s privacy claims, not an independent TIAS audit.
Keep verifying unexpected requests
A useful setting should give you another reason to pause. It should not become a reason to trust an unfamiliar caller or approve a payment you cannot explain.
Apple’s scam guidance advises contacting a company directly through a trusted channel, withholding passwords and verification codes, and avoiding links in suspicious messages. Requests to disable security features deserve particular caution. If you exposed your Apple Account password, change it and check that two-factor authentication is enabled.
For other devices, see our Android scam-warning guide. Android features have their own app and device requirements.
Frequently asked questions
Does iOS 27 stop every scam?
No. Treat a quiet screen as an absence of a warning, not as permission to trust a request. Independently verify the person, destination, and reason before sending money.
Does my bank support this feature?
This guide does not establish that. Check your bank’s own documentation or contact its official support team; a general iOS feature announcement is not a bank-support list.
Should I turn protection off because a caller says so?
Pause and contact the organization yourself. A stranger’s instructions are not a sound basis for weakening account or device security.
Reviewed October 21, 2026. Based on Apple documentation, not an independent effectiveness test or a report of wrongdoing by Apple.
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