Your real phone number is a Privacy leak waiting to happen
"Can I get your number?" It seems like such an innocent question—from baristas promising to text when your coffee's ready to retailers offering digital receipts. But today, your phone number has transformed into something far more dangerous: the skeleton key to your digital life.
Unlike passwords, you can't simply change it when compromised.
The Invisible ID Card You Can't Hide
Your phone number connects directly to:
- Your home address (yep, it's public record)
- Your full legal name & financial profile
- Every social media account you've ever had
- Your shopping habits and frequent locations
Remember when we used to worry about giving out our home address? Your phone number now reveals much more about you.
What happens when your number falls into the wrong hands?
Let's pull back the curtain on what scammers actually do with your number.
(Fair warning: this might make you consider ditching your smartphone altogether.)
Text message ambushes: Smishing attacks
That unexpected text about a "delivery issue" or "suspicious bank charge"? That's smishing—phishing's evil text message twin.
These attacks create artificial urgency that bypasses your normal skepticism, leading you to:
- Click links that install monitoring software
- Enter credentials on convincing but fake login pages
- Share personal details or send money
What’s concerning? We're three times more likely to fall for text-based scams than email phishing because texts feel more personal and urgent.
The never-ending spam Tsunami
Once your number lands on spam lists, expect an avalanche of scam calls with AI-generated voices mimicking people you know, creating a false sense of familiarity that bypasses your usual defenses.
Identity Hijacking: SIM Swapping
In this scam, criminals trick your mobile carrier into transferring your phone number to their SIM card. Once they control your number, they can:
- Intercept your two-factor authentication codes
- Reset passwords to your email and financial accounts
- Access your banking and financial accounts
Carriers now offer security features like Number Transfer PINs and SIM Protection locks to prevent unauthorized changes. Enable these features and use authenticator apps instead of text messages for two-factor authentication whenever possible.
Your Digital Shield: Virtual phone numbers
So what's the solution? Think of a virtual phone number as creating a buffer zone between you and potential threats. It's a fully functional number that forwards calls and texts to your real phone without exposing your actual digits.
How virtual numbers actually work
- You get a second phone number through a simple app
- You share this virtual number instead of your real one
- You maintain complete control to block, filter, or even discard the number if it gets compromised
The strategic approach: When to use what
Think of your real phone number like your house keys—only share it with those you truly trust. For everything else, use a virtual number as your digital bouncer. When inevitable data breaches happen, scammers hit a dead end instead of getting VIP access to your life. And if spam starts flooding your virtual number? Simply swap it for a new one without the headache of updating everyone who legitimately needs to reach you.
| Share your REAL phone number ONLY with: | Use your VIRTUAL number for literally everything else: |
|---|---|
| Financial institutions | Every single online store (yes, all of them) |
| Healthcare providers | Social media platforms |
| Government services | Loyalty programs and newsletters |
| Your employer | Dating apps and services |
| Close friends and family | Anything offering "discounts for signing up" |
Setting up your virtual number: Easier than making coffee
Getting a virtual number is surprisingly simple, even if technology isn't your strong suit.
Most take less than five minutes to set up. You could have one before you finish reading this article.
Just remember to check your virtual number's messages once in a while!
Here are some virtual phone number options to consider:
- Google Voice (free with a Google account)
- TextNow (free with ads)
- Burner ($5-$15/month with excellent privacy controls)
- Hushed ($4-$10/month with numbers available for 40+ countries)
Learn about these and other top picks in this article about the “Best Virtual Phone Apps.”
The Bottom Line
Your phone number has evolved from simple contact information to a master key to your entire personal life. A virtual number creates a secure buffer that protects your privacy without complicating your daily routine—one of the easiest and most effective security shields you can add today.
Keep your real digits private, use a virtual shield for everything else, and rest easier knowing you've blocked one of the most common pathways scammers use to target victims.
Stay safe out there!
Nationwide is providing this information as part of its Business Solutions Center website content and e-newsletter. The information included on this e-newsletter and the Business Solutions Center website is designed for informational purposes only. It is not legal, tax, financial, or any other sort of advice; nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate, in parts. It is the reader's responsibility to comply with any applicable local, state, or federal regulations, and to make their own decisions about how to operate their business. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information, no guarantee of results, and assume no liability in connection with the information provided.