Any bank customer is a potential target for fraudsters. However, it is not for nothing that there is a saying “who is forewarned is armed”. Knowing about the methods used by criminals, you can protect yourself from trouble.
Ural bank of Sberbank analyzed customer requests and compiled a list most common methods of banking fraud in 2015.
3. Phone and sms fraud
It's unpleasant when you receive a message that your bank card is blocked. I would like to immediately call the bank and ask what to do and who is to blame. But calling the number indicated in the sms message is dangerous for the wallet. Because on the other end of the line there will be not a polite bank employee, but a polite fraudster who will ask about your CVV2 or CVC2 code, card number and other important information. Sometimes an attacker asks to unblock the card to perform certain actions at the ATM. Of course, these actions will replenish his card or mobile account by a certain amount. If you receive the news about the blocking of the card, then before making a call to your bank, do not be lazy to go to its website and find out the correct phone number.
itop.techinfus.com/en/ recommends using the services reliable banks in Russia, the list of the Central Bank as of 2015 is ranked by capital adequacy.
Sometimes scammers do not rely on sms, but call themselves, posing as an employee of a particular bank. Remember that no bank employee has the right to ask the client about the security code of the card and other confidential data.
2. Advertisements for the sale on the Internet
A new, but already quite common way of taking money away from the population. Those in danger are those who put their number on a notice board wanting to sell a bicycle, clothing, furniture, etc. Further events develop as follows: a potential buyer calls you who is ready to transfer the collateral to a bank card. Only he will need not only the card number, but also its other data, for example, a three-digit security code, the date and month of the card, etc.
Then the interlocutor will ask you to name the confirmation code for the money transfer that came to your phone, supposedly for transferring from an electronic wallet to a card. After that, you will become poorer in the amount of the "collateral", and the "buyer", accordingly, a little richer.
1. Virus on a mobile device
The leader in the rating of the most common fraud methods against bank customers. Long gone are the days when viruses were only dangerous to computers. Cybercrime keeps pace with the times and mobile viruses appeared back in 2004.
One of the most dangerous "infections" is the Trojan-Spy.SymbOS.Zbot.a Trojan, which works in tandem with the Zbot computer virus. The cybercriminals obtain the personal data of a PC user infected with Zbot, and then send an SMS containing a link to the Trojan to the victim's mobile phone. Once the program is installed, the criminals will be able to perform banking operations. The Trojan will redirect all SMS messages with confirmation codes to its "masters".
To secure your mobile device, install programs only from the official app store.And to clean your PC, check out the 2015 Antivirus Rankings for the most effective antivirus programs.
Sberbank, for its part, took care of customers and released an updated version best mobile bank Sberbank Online. It already has an antivirus that protects not only the program itself, but the entire smartphone from malware.