The action of sending text messages to fraudulently obtain another person's bank details is called

Smishing sends fraudulent text messages to trick people into revealing bank details.

Its name blends SMS with phishing.

Phishing works through deceptive emails instead of texts.

Pharming redirects users to fake websites with malicious code.

Spamming is bulk unwanted messaging without the targeted fraud.

The channel used, a text message, is what marks smishing.