Due to the spread of online shopping, the number of questions regarding the safety of funds on bank cards has increased. Is it possible for scammers to withdraw money knowing only the card number? What information does the owner need to provide to make the calculation? How to understand that you have been deceived and prevent the theft of funds from your account? We will answer these questions further.

Is it safe to give out your card number?

Card numbers are built according to a similar formula: out of 16 digits, the first 8 refer to the bank code and type of payment system (VISA, MasterCard, MIR). A combination of the remaining 8 can be easily generated by random selection.

So, if the cards were not additionally protected, money could be withdrawn remotely, without ever contacting their owners. Thus, fraud would be incredibly unpredictable, and it would be almost impossible to prove guilt.

What information is needed to withdraw funds?

In addition, in order to withdraw money from the card to pay for an online purchase, the owner needs to enter his full name in the data field. as they are indicated on the card itself (in Cyrillic or Latin). Most banking security systems (including Sberbank) allow you to withdraw money to third-party resources only by confirming the operation with a security code from SMS. Messages are sent to a phone linked to the card so that fraudsters cannot have physical access to it.

What to do if scammers have withdrawn money

If you have received notifications from Mobile Bank or otherwise learned that funds have been withdrawn from your card by third parties, you must contact the Sberbank office that issued your card as soon as possible (within 24 hours) and write a statement stating that that a stranger has used your account. You also need to immediately block the card so that the attacker cannot continue to withdraw money from it.

After this, you can write a statement to the police, attaching statements from your card. Bank employees will help you correctly collect documents and draw up an application. However, keep in mind that the time frame for returning money to your account may be delayed, and if you do not contact the bank office within 24 hours, then there is no guarantee at all.

How to secure your card

To protect your finances, do not disclose any card details to anyone other than its number (if such a need arises). Do not take photos of the map or post photos on social media. networks - your passport details and card expiration date will be visible there. You can avoid having to provide your card number if you use the function of linking your account to your mobile number.

Attention! If you do not make any purchases, and you receive a warning with a security code on your phone, immediately block the card and contact the bank to report fraud. This means that someone has already gained access to your data and will not fail to use it again.

Do not leave your bank card in places where it can be easily seen, taken out, or photographed. Take special care near ATMs, terminals and payment points. If a seller from an online store asks you to provide your card details when making an advance payment, break the deal, as this is probably a scammer.

Always pay attention to messages asking you to provide a security code supposedly to a bank employee. Employees of a financial institution never ask for any passwords! If the attacker continues to demand this data, record the conversation and contact the police with a fraud report.

More and more people are starting to use plastic cards. It is known that fraud always accompanies progress in the development of electronic technologies; it also develops and improves. More and more new ways for scammers to steal savings from the cards of unsuspecting people are emerging.

8 new ways how scammers withdraw money from your card

Let's look at 8 ways scammers withdraw money from your card

1. A simple and long-known fraud with plastic cards is to cover the hole for the bills to come out with tape. This technique works very simply: you try to withdraw money from the card, enter your PIN code, the amount to be received, but the money never appears. After fiddling around a little and complaining about the faulty ATM, you go home with the intention of sorting out this outrageous phenomenon in the morning and presenting the relevant claims to the bank employees. After you leave, the attacker removes the tape from the ATM exit tray and takes the money. Of course, this method can be carried out mainly at night. Therefore, it is better to withdraw money during the day, or carefully check the ATM for the presence of foreign elements, such as tape in particular. If nothing is found, and there is still no money, then you can safely go argue with the bank employees, since in this case it is definitely their fault.

2. The second method of fraud with plastic cards is offline fraud. It can also include theft after funds are written off. Unscrupulous employees of a supermarket, store or cafe can withdraw money from you twice. That is, when you pay, they can run it through the card reader twice. It is advisable to activate the notification service about the movement of funds via SMS in order to see all debits. If you lose your plastic card, be sure to block it, otherwise fraudsters can easily take advantage of the opportunity. They can pay with your card in a store, for example. After blocking, the card will be reissued, and it is better to receive it not by mail, but in person at the bank. If you choose to send by post, your funds will again be at risk of fraud.

3. Phishing has become very popular is a type of fraud with plastic cards, in which ill-wishers use a variety of fraudulent methods to find out your card information. Phishing techniques vary: a phone call supposedly from bank employees, an email in which you are asked to clarify this or that information. You may be convinced that a special procedure is being carried out to prevent fraud, or on Friday evening (when the bank is already closed) you will be told that suspicious activity is being carried out on your card and you need to make sure that you are the owner in order to further suppress possible unauthorized transactions. Don't be naive and gullible, don't disclose confidential information! Bank employees will never ask you about this; they may notify you by phone that you need to contact the bank, but nothing more. As for the PIN code, no one has the right to ask you for it, even employees when contacting the bank in person. The most reliable way would be to remember the unique code without writing it down anywhere, and if you have already written it down, then under no circumstances store it with the card.

4. Non-electronic phishing. How do scammers withdraw money from the card in this case? In a very clever way! When you pay with a card, for example, in a store or salon, by entering a PIN code. On the one hand, it is convenient to pay directly from the card without withdrawing money in advance, but on the other hand, it is unsafe. Fraudsters can copy your data from the magnetic stripe and immediately write down your identification number. Using the stolen data, a new, fake card is created, which can be used to easily withdraw funds from the real owner’s card. It is difficult to recognize this type of fraud, so the only recommendation would be to pay with a card only at trustworthy retail outlets.

5. Illegal activities on the Internet. It is quite easy to become a victim of plastic card fraud if you make purchases online using a card. Attackers can intercept funds right during the payment process. Limit yourself, despite the convenience and popularity of this payment method, at least in purchasing expensive goods. Be most vigilant if you make a payment on an unfamiliar site; use a virtual card in this case. It is possible to set a limit on such a card, which cannot be exceeded in case of fraud. It is advisable to connect the card to the Secure Code service, then to carry out any operation online, you will need to enter the code from the SMS message that you will receive on your phone. Thus, plastic card fraud it will be very difficult. If you make a payment on a foreign language website, it is better to refrain from such action altogether, since you may not understand all the payment terms, not counting possible fraud.

6. Skimming is an equally popular type of fraud with plastic cards. Skimmers are electronic devices that are installed at terminals and ATMs, where they copy card data. After this, the attackers can issue a clone card, from which money is withdrawn, just like from your personal original card. For greater security, keep track of all expenses on the card, check your balance to be sure that you are the only one using funds from the card.

7. People can cheat by watching you dial your PIN code., or apply special glue, which will leave traces of pressing buttons with numbers, or install a miniature camera on the ATM. Knowing the PIN code, fraudsters can make unauthorized money transfers and payments. Therefore, it is important to make sure that no one sees you typing it. You should also not withdraw money in poor lighting or in an unfamiliar place.

8. ATMs are susceptible to viruses! This applies to new methods of fraud. It has not yet spread much in our country, be careful! The virus in the ATM monitors all transactions and reads valuable information. It is quite difficult to develop it. Firstly, you need to use a special operating system, and secondly, you need to communicate with banks using secure systems. So far, this method is not popular in our country due to the complexity of execution. So you don’t have to worry too much about this for now.

Card security tips:

Pay attention to which card you own - magnetic or with a chip. The last option involves protecting against hacking, card cloning, etc. The task for fraudsters is made more difficult by the fact that, unlike a magnetic card on which data is printed, a chip card involves constant exchange of data during each operation with an ATM.
Recognize that all plastic card holders always have the risk of losing money due to fraud. Carefully study all the main methods of criminals to reduce the risk of being deceived.

Forewarned is forearmed, be vigilant and careful!

Fraudsters are an inventive people. Today they have worked out a fair number of ways to steal money from the accounts of bank card holders. Since theft from cards has acquired an impressive scope, we decided to pay attention to this problem and tell you how to return money withdrawn by fraudsters from a bank card.

Money was stolen - what to do?

Is it possible to return stolen money? Can. If there is a suspicion that any transactions were made with your card without your participation and funds were withdrawn, we recommend that you immediately take the following measures to get your money back:

• Immediately contact the bank using the toll-free number indicated on the card and request that it be blocked. You need to do this because to withdraw funds or pay for purchases, it is not at all necessary to know the PIN code and have the card itself in hand. A bank employee will tell you by phone about the balance on your card account and the latest actions with the card.

• If it is impossible to resolve all the issues over the phone, it would be best to personally contact the nearest office of your bank, where you can not only block the card, but also receive all the necessary information about the movement of money in your account.

• If your fears are confirmed and money has been debited from your account by fraudsters, submit an application to the bank with a request to investigate the suspicious transactions with the account and return the money withdrawn from the card. Receive a statement of your card account and attach it to your application.

• Since this is a criminal offense, it is necessary to file a statement about fraudulent activities and demand the return of the withdrawn money to the police department. The application is drawn up in two copies; your copy indicates the number under which it is registered with the police.

By completing these steps, you can expect the stolen money to be returned.

What you need to know

Now we’ll tell you in more detail what to expect in the process of investigating the fact that money has gone missing from your account.

Application-complaint to the bank. Before drawing it up, study the responsibilities of the bank and the client, that is, you, specified in the contract for servicing the card account.

When making a statement, try to describe what happened in as much detail as possible, emphasizing your innocence in the loss of funds from the card. The bank that issued the card will contact the credit institution that received the payment with a request to return the money withdrawn by the fraudsters.

The payee has three months to review this request before deciding to transfer the funds. During this time, the relevant departments of banks check transactions on the client’s account, and also check the reputation of the applicant and the person who received the money.

During the investigation process, it is possible that bank security officers may interview the applicant’s colleagues at the place of work, talk with the local police officer at the place of residence and ask questions to family members of the card holder.

This is completely justified, since the bank must exclude the involvement of the victim himself in the fraudulent actions committed.

When fraud is proven, the receiving bank is obliged to return the funds received back to the cardholder's account.

As written above, the correct thing to do would be to file a police report. Wanting to preserve your business reputation, bank employees will certainly try to dissuade you from this step.

The number of unauthorized withdrawals from bank cards in the period from 2015 to 2016 increased more than 5 times, AlfaStrakhovanie reports. Experts say whether fraudsters can withdraw money from a card if they know the card number, and how to protect themselves from this.

Common methods of unauthorized access to the contents of a bank card

A significant number of thefts of funds from cards occur with the connivance of their owners. This is the case, according to experts, due to our gullibility and lack of knowledge of the precautions required when using remote access to bank accounts.

Method one - message about card blocking

How scammers can withdraw money from a card using this method: attackers send an SMS to the owner notifying them that the card is supposedly blocked.

To solve the alleged problem:

• the user will be asked to send a message;
• will offer to call the specified number;
• sometimes the scammer calls back himself, introduces himself as a bank employee and asks to provide the data he needs or to carry out some manipulations under his guidance: send a message with the text he suggested, dictate the received code, etc.

The data that scammers are interested in is the card number, its expiration date, owner’s name, CVV and CVC codes. Don’t fall for the attackers’ trick, don’t tell them anything and don’t follow any instructions. It is better to call the bank yourself at the phone number indicated on the plastic card.

A phone call can come without a previous SMS, for example, in response to your advertisement for the sale of a baby stroller that has become unnecessary on one of the sites. A person posing as a potential buyer may ask for the number and expiration date of the card, supposedly to transfer money to it.

Method two - viruses

Another answer to the question of how fraudsters can withdraw money from a bank card without the owner’s knowledge may be related to the use of specially created software products. They are one of the main threats to owners of mobile communication devices, as reported by RIA Novosti, citing Kaspersky Lab analysts.

A malicious Trojan can:

• replace the dialog box on the smartphone screen, and the user gives consent to a completely different operation than he planned;
• copy and send entered passwords to scammers;
• intercept and hide SMS incoming from payment systems, send response messages to the bank’s mobile service without the user’s knowledge.

The solution in this case is to install an antivirus on your smartphone or tablet, obtain software only from trustworthy sources, and be attentive to incoming emails and messages, especially those containing links and attachments.

Method three - skimming

Skimming is the secret reading of card data. To do this, criminals install overlays on ATMs that are invisible to the layman.

At the same time, fraudsters may try to obtain a PIN code using hidden video surveillance equipment, simply peeping from the side, and even stealing the contents of trash cans at ATMs with receipts thrown there.

When using a card, experts advise not to throw away the received receipt near the ATM, and to cover the terminal keyboard with your palm when entering the PIN code.

Method four - wireless terminal

In many stores today you can see PayWave and PayPass technology terminals, to pay through which you just need to swipe your bank card over the device. Not only a retail outlet can own such a device, but also a fraudster standing next to you in line or in transport.

Journalists from the Komsomolskaya Pravda publication experimentally tested whether fraudsters could withdraw money from a card lying in a purse or pocket. The study showed that such a transaction is possible at a distance of several centimeters from the card. Neither the leather of the bag nor the fabric of the clothing is a hindrance in this case.

Experts advise carrying the card in a shielding shell - foil, a case or wallet made of metallized material, etc.

In addition to the methods listed above, there are other tricks of scammers. So, knowing only the card number, an attacker can try to determine its expiration date empirically. This data is sometimes enough to pay in some online stores.

How to return money stolen from a bank card

If there is a need to resolve the issue of how to return money withdrawn by fraudsters from a bank card, the expert community advises:

• First of all, block the card by calling the number indicated on it;
• request from the bank a transcript of all transactions carried out over the past days;
• obtain details from the mobile operator that will show the absence of an SMS with a special code confirming consent to transfer money;
• write an application to the bank for the return of funds withdrawn from the account without the owner’s permission;
• if the bank does not agree to return the money, the victim has the right to write a statement to law enforcement agencies and file a claim in court.

If the bank card account was insured by an insurance company, the user affected by fraudsters will be able to receive insurance compensation.

Modern technologies allow us to pay for goods and services easier and faster every year. However, the simplicity of financial transactions carries high risks. Now you can read stories everywhere about how money was illegally debited from a card, how fraudsters used information about the holder to pay for their purchases.

We will tell you in this article what to do if money is withdrawn from your card by fraudsters. The Russian Federation has special legislation “On the National Payment System” that regulates relations between banks and clients, but not in all cases it acts in the interests of consumers of banking services.

How scammers steal money

Information

The most popular type of fraud with bank cards today can be considered a write-off using information about a bank client’s SIM card.

The bottom line is that when changing a number, many subscribers do not inform the bank about the loss of the previous one, giving scammers the opportunity to transfer funds.

The point here is not only the carelessness of banking clients, but also the fact that unused numbers are resold some time after the subscriber has stopped using them and paying bills. After the old number is sold, the bank retains information about it, while The lion's share of transactions takes place using SMS confirmation.

Along with this, there are other fraudulent schemes. Thus, recently there was information in the media that a waitress at one of the capital’s restaurants photographed clients’ bank cards and used the information received to pay for purchases on the Internet. Of course, it is impossible to protect yourself 100% from the actions of criminals, but every plastic card holder should know what to do if fraudsters have withdrawn money from the card.

What to do

So, if you discovered that money was written off from your bank card, and you are absolutely sure that the write-off was not authorized, for example, to pay debts for housing and communal services, then you should resort to the following procedure:

• The first thing you need to do is contact the bank's customer support service. The phone number is indicated on the plastic card, but information of this nature is easy to find on the Internet if the card is not at hand;
• Inform the operator that the funds were not debited from the card by you and block the card. There is a risk that fraudsters will try to charge the money again, but this will be impossible if the card is blocked.

Helpful advice

It is worth visiting a bank branch and writing a statement stating that you do not agree with the transaction.

Ask the call center operator if the bank accepts such complaints over the phone. However, it often happens that banks refuse to cancel a fraudulent transfer, and the issue has to be resolved with the help of the judiciary. In case of going to court, a copy of the application to cancel the transfer, drawn up in writing, will be very useful, therefore, even after protesting the illegal withdrawal of funds by telephone, it is worth visiting the bank in person and submitting a written appeal.

Where to contact

So, initially, having discovered that a crime has been committed against you, you should Contact your financial institution to block your account. After this you will need file a crime report at the nearest police station. Upon your request, the police and bank employees will conduct an investigation. The result will be a refund.

The return period remains a big question.

Information

The bank will consider your claim within 30 days according to the law, but the terms for returning funds to the client are not specified in the law.

Since the investigation into the incident will be carried out not only by employees of the financial organization, but also by the Ministry of Internal Affairs, due to bureaucratic delays, the compensation process may drag on for several months.

Costs file a complaint with the prosecutor's office, if the investigation carried out by the Ministry of Internal Affairs did not produce results. Employees of the prosecutor's office will be able to influence the course of the case and provide support in returning the money in the event of a bank refusal.

How to return

There are a number of situations in which a bank may refuse to refund a client’s funds. Thus, according to the law, it is necessary to appeal an illegal transaction within 24 hours. In addition, your relationship with the bank must be impeccable for prompt reimbursement.

Warning

If the bank refuses to return the money withdrawn from your card by fraudsters, it would be reasonable to file an application with the prosecutor's office to appeal such a decision.

According to the law, money withdrawn from a card by fraudsters must be reimbursed, but if you gave third parties information with which they were able to pull off a scam, it will be difficult to return the money. As a rule, only a competent lawyer or prosecutor can resolve such cases. The bank's refusal to reimburse funds written off from the card by fraudsters often ends up in court, however, with the right approach to the proceedings and competent work of a lawyer, you will be able to not only return the money, but also compensate for all the costs of the litigation at the expense of the bank.