Messages and links drain bank account, anti-fraud rules

A seemingly harmless text message, a few steps, and an empty bank account. Scams against savers are on the rise and are constantly evolving. Dangerous deceptions are increasingly hiding behind “trivial” acts. Abi – the Italian banking association – has prepared a handbook with anti-fraud rules. All useful tips.

Internet banking, what to do and what not to do

Abi explains that in order to work comfortably and securely online, it is important to follow a few simple rules:

  • use different and sufficiently long passwords containing alphanumeric characters and special characters;
  • access the Internet on your own devices, avoiding public and/or open networks;
  • install an antivirus and keep it constantly updated;
  • limit the online dissemination of your personal information;
  • verify the credibility of the sender before opening any link and attachment;
  • In case of “suspicious” calls, check the phone number online or compare it with your bank’s official contacts. In any case, do not trust if asked for bank information or other confidential data;
  • If you think you are the victim of a scam or have shared your bank or payment card information, contact your bank immediately.

How to avoid fraud and fraud in the bank

Abi also offers advice on going to the bank safely without risk, making payments with cards, withdrawing money from automatic ATMs, and avoiding phone scams.

Behaviors to follow:

  • Periodically check the movements in your current account and carefully keep the codes for accessing remote banking services and the strictly personal security code (pin) of your payment cards.
  • Whenever possible, prefer digital services that allow transactions such as depositing the pension to the current account, domicile of public services, etc., without going to the branch.
  • Don’t be a ‘routine’, for example avoid going to the branch at the same day and time, using the same route all the time;
  • do not allow strangers to approach you;
  • Never leave money, bags or valuables unattended or in sight.

Rules you must follow when using the ATM

  • withdraw only the money you need and put it in a safe place immediately;
  • make sure that you are not visible and that there are no strangers near you when typing the secret code (pin) of your card, contact your bank if you suspect that you are spying or contact your card’s customer service;
  • check that the device does not show any abnormalities or irregularities;
  • Always keep your card information in a safe place, never in your wallet or in your mobile phone’s memory.

How to avoid phone scams

The ABI also warns against phone scams. Rules of peace of mind:

  • absolutely ignore requests for transfers by phone to pay for services or utilities;
  • ignoring requests for money made on behalf of relatives’ alleged needs;
  • do not provide any financial information to telephone operators, no bank or other financial institution may request access to online current account or bank information by telephone;
  • If in doubt, contact the bank and ask for details.

What should you do if you become a victim of fraud?

What should you do if you come across a scam? You should immediately sue the competent authorities against unidentified persons “without explicit consideration of financial transactions attributed to unlawful”. In case of fraud in payment cards “you should immediately block your card by calling customer service of your bank or card issuer” You should then send a registered letter to your bank highlighting the facts and always attaching a copy of the complaint and proof of identity.”

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Source: Today IT

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