SMS from China Clearing.

You can send a reminder message to others when you remit money through personal online banking of Bank of China, but you can enter any mobile phone number, so if you have a bank card of Bank of China and the ending of the card number is correct, you can check whether you have received the money.

If you don't have the bank card of China Bank, then you haven't received the money, because the sender of this short message can send it to anyone he wants.

It's a prank, but it's not a liar.