Card blanche for swindlers: about security rules for bank cards owners

According to the research of “Tinkoff” group, in 2020 the fraudsters stole from the Americans at a time on average almost 14 thousand Dollars. In 2020 alone, the number of thefts from bank customers increased by 70%. The Bank of America called the figure of 6.5 billion Dollars stolen from bank card users only for the first 9 months of last year.

What methods are used by swindlers??

In almost a third of cases 28% people were robbed because they themselves had shared card details and SMS codes with third parties. Following a few simple rules will help minimize the likelihood that your card details will be “stolen” and will empty the account linked to it.

How not to fall victim to fraudsters if you use your bank card for online shopping?

Recommendations from experts at the Roskatchet Center for Digital Expertise.

The first and most important rule is to have a separate virtual card for online shopping. You should not use the card you get your paycheck on online. Keep on the virtual card exactly as much money as you plan to spend. Disable online payment for other cards if your bank allows it.

Try to keep your main salary card details off the Internet. If you need to buy something in

online by using your payroll card, uncheck the “link your card” box and enter your card number manually each time.

Before you enter your payment data on the Internet, always check if it is a real online store or if you are on a phishing site. Check the spelling of the domain, the presence of a security certificate the “lock” symbol . In order not to get on a phishing site, at least do not go to pages of stores from mailing lists. It’s much safer to remember the address of a real store and enter it manually.

It is not superfluous to set the limit of daily expenses from the card in the settings of the mobile bank if swindlers get to the card, they can not withdraw a large sum at once . Make sure you have active SMS or push notifications, because they allow you to know about fraudulent transactions as quickly as possible, so you can quickly block the card.

Use a trusted anti-virus program on both your computer and phone and update it regularly – in most cases it will alert you if a site has been spotted stealing data.

Don’t forward messenger messages, and especially don’t post your payment details on social networks. If you still need to do it, substitute some numbers with words, or send different parts of the requisites through different channels. This will make it more difficult for automatic parsers that prey on such data. Delete card details and photos as soon as they are received by the other party, do not let them “float” in the network.

Never give your card’s turnover code and one-time passwords from SMS to anyone, especially if you receive a call introducing yourself as a bank employee. Also do not install any applications at someone else’s request, supposedly helping to keep your finances safe.

● It is not recommended to enter mobile bank via public Wi-Fi only via mobile Internet or via home Wi-Fi

● Don’t give your phone to strangers – you don’t know what a person might do, either accidentally or intentionally

Avoid installing suspicious applications. Even if you download an app from the official store, read carefully the permissions it asks for. Often the bank Trojans pretend to be normal applications, but get access to read SMS and display over all windows the virus superimposes its own interface, identical in appearance to the real one, and your passwords and pin codes go to the attacker .

Ilya Loevsky, deputy head of Roskachevo.

“If you’ve already been a victim of bank card fraud, report it immediately to your bank and the police. Even if the money can not be recovered, the law enforcement agencies will find out about the scheme, and it is likely that you will save someone’s wallet. Remember the rules of digital security and tell your loved ones about them – that’s enough to know how not to fall victim to most of the most common fraud schemes involving bank cards.”