Mr. Dvok came across such a suitable investment offer on the Internet that he couldn’t resist. He entered his phone number on the page to which the ad directed him and waited for the investment advisor to call him back. And soon someone really called. Mr. Dvok followed the instructions, including downloading the necessary remote management app and then logging into his online banking. However, the investment advisers turned out to be fraudsters, they took out a loan of 1.5 million crowns in his name from his bank and immediately transferred the money to others.
This is the real life of the SOB client, of course the bank will not disclose his real name. We are working to save the client’s money, but it is not at all certain whether we will succeed, said Patrik Madle from SOB, adding: it was a very long-winded fraud, unfortunately, with the vision of an easy and quick loan, people lose their sharpness.
The Czech Banking Association confirms that the flow of money to bank clients has increased dramatically over the past two years. the codes run into hundreds of millions of crowns, on average it is 161,500 crowns for one damaged client.
Online trit and vishing
A lot of scams are going on online tritch. Internet bazaars are popular, you can look through the profiles of sellers and buyers and feel safe and secure. Unfortunately, it is often a matter of a feeling of being fake, behind which there are subtle frauds, warns Eduarda Hekov, editor of the consumer organization dTest.
For example, the tax buyer proposes to make the payment using the service of the carrier, often with the name of secured transaction, or until the payment of the additional tax. The problem is that it is often a fictitious service.
Under the mention of such a payment, the fraudster invites the seller to click on the sent online link to a website that visually imitates the website of the shipping company. To click on the link of the manufacturer, there is a form for registering a payment card for transferring money and filling in addresses. The seller is happy that the deal went so quickly. Clem is a fraud, but she steals bank and other sensitive information with the help of this link, Hekov explains the principle of fraud.
Sometimes it even happens that the buyer has a link in the field where the seller should fill in his bank details so that he can receive the pension. Someone puts a deed in their banking account on the basis of such an instruction. However, do not realize that this is a fictitious website, which only pretends to be their banking system and instead of secure payment, the client is actually going through classic phishing, confirms the experience of Air bank client Roman Machek.
And there was one phishing stream that took place this year. On behalf of the Ministry of Internal Affairs and Communications, the Czech Republic and the Financial Administration sent SMS to clients at first with a tax payment sent. It has been stated that for samples you can click on the link in the text first. They were then asked to fill in their security details and confirm their access to internet banking and subsequently authorize the payment. Thinking that it is a payment in transit, however, the fraudster has robbed them of their money, warns Petr Zma, a security expert at esk spoiteln.
A favorite scene is also the so-called vishing, i.e. voice stream. We have seen cases when the perpetrator calls the client, pretending to be an employee of his bank, NB or even a member of the police, and tells him that his bank account has been hacked and that he will help him save his pension. The only thing needed for this is access to internet banking or payment cards, adds Zma.
How to cheat armor
This is why it is necessary to be cautious. The most important thing is to realize that the only one who can stop me from cheating is you. You should never share your internet banking credentials, payment card number, or confirmation code from SMS messages and notifications to anyone.
Check which pages you are on (address book, certificates, reviews). Ask carefully what you confirm in the certificate first in SMS or in the mobile application. In order to receive money, there is no need to provide your internet and mobile banking details or payment card details. These are just the scammers’ hints on how to get into the house, summarizes Tereza Kaiserotov from Raiffeisenbank.
1. Use internet banking for free
Only use internet and mobile banking for transactions and transactions that you doubt. Access exclusively from your own laptop or smartphone, never from internet cafes or other private devices. The best way to connect to the Internet is through a secure fixed data network, your operator’s mobile data or a high-quality and non-public Wi-Fi network.
2. Choose a safe and strong password
Your internet banking password should be unique and should not match other login details. Change the password regularly. A sufficiently strong password should be at least 12 characters long and should contain combinations of letters, letters and other characters (!, *, etc.). Do not share the password with anyone, not even family members or work colleagues.
3. Protect your skin and mobile phone
Don’t forget about antivirus programs. Install regular updates and applications exclusively from the official store. Never install programs from unproven sources. Do not allow remote access to the phone and the phone by people. Do not connect unknown media (USB flash drive, CD, DVD) to your computer or mobile phone
4. Beware of unknown links, fraudulent e-mails and SMS
Ignore and have e-mails and SMS with suspicious name and content that you received from unknown senders. Never open pages from unknown senders with unknown content and do not open unknown links, no matter how they are delivered. Do not enter your personal data, access data, logins, PINs or passwords on the basis of the received e-mail and SMS. The bank will never send all these personal data in electronic communication. Never confirm transactions entered by someone else or that you do not know.
5. Be careful when shopping on the Internet
When shopping on the Internet, be careful with the reviews of other users. Pay attention to the deposit and remember to leave your payment card at the store.
6. Look for your payment card
Keep your payment card under supervision at all times. Keep the PIN completely secret, do not write it down and do not share it with anyone. Do not share the card number, expiry date and CVV code with unknown persons.
7. Beware of online bazaars
When selling in online bazaars, do not allow money to be sent to a payment card, insist on transferring money to e.t. tonk won’t pay for your things, except from your salary and then go to cancel your card.
8. Pay attention to suitable investments
Be careful before advertising for investments. And if it’s stocks or cryptocurrencies, a link on the Internet or an e-mail from an anonymous sender, look for more information and reviews about the company or the offer.
9. Suspected of fraud?
Fraudsters use very clever and sophisticated techniques that even an experienced hunter can succumb to. Dleit is quick to act.
If you suspect a fraud, contact your bank’s customer line, block Internet banking, or lose your payment card if you have used one of them. Ask about the possibility of canceling entered transactions, in which case file a criminal report with the R Police.
Have your computer checked by an expert who will uninstall the remote access program and scan your computer for viruses. Change your internet banking credentials
Source: Expobank, esk spoitelna