Not all scams are made the same way. While some are easily identifiable as fake messages from your bank or service provider, others may look very polished and real.
That’s why confirming the contact through an official channel before performing any action is always a good idea. Real company representatives will be more than happy to give you time to do this and would never pressure you to do something immediately.
One thing to remember: if the email or SMS has a link to a customer support channel for verifying the contact authenticity and transactions, it would be better not to use it. If the message is a scam attempt, even the customer support will be fake or compromised.
Instead, use the official communication channels found on the website of the bank or service provider. That way, you’ll be sure of whom you’re talking to.