One way to minimise your risk is to make use of phone apps that help identify who is really calling you.
Most of these apps are a form of crowd sourcing info about callers (either from permissions to use all the users phone book contact info or by asking people to add caller identification after a call).
One such app which is pretty popular is called: Truecaller.
What the app does is show you what other people say the number that is calling you is all about. In many cases that’s just a person’s name but in other cases it can help identify possible spam calls.
While obviously not 100% accurate or totally foolproof it can form a first line of defence against unwanted calls. It can also help block calls from the same number in the future with just one click.
And if you get a call from someone dodgy (maybe even someone showing as coming from one of the banks), you will be able to help others by marking it as possible spam or a possible scam.