1. Use Truecaller to identify and filter out known scammers.

2. On primary phone, u can install the usual social media and messaging apps but no banking related apps.

3. On secondary phone, use a different number solely for data but block all incoming and outgoing calls. U then install all banking related apps like normal. Link TAC number with dumb phone below. No social media or messaging apps here.

3. On spare dumb phone, use a new number solely for receiving TAC and block in incoming and outgoing calls.

For my case, I'm using the A72 as primary phone with everything loaded. For secondary phone, I opt for OnePlus 7 solely for banking related apps. Has a separate number and cannot receive or make calls. All blocked on the phone itself. And finally, an old Nokia 106 solely for receiving TAC and cannot make or receive calls too. Plus, it is small enough to be in the pocket most of the time. Only need recharging every 2 weeks.

As for the monthly cost, it is RM 38 (U Mobile) for primary phone, RM 28 (DiGi) for secondary and finally RM 3 (Yoodo) for SMS.

Simple security tips.