Never give personal information over the phone.
The bank will never ask you for personal information, such as passwords, PIN codes or credit card numbers, over the phone. If you are asked to provide such information, no matter how convincing the interlocutor may seem, immediately stop the conversation and contact the bank directly using verified contacts.
Be careful with personal identification
If the caller claims to represent your bank, do not confirm your personal information. Instead, contact the bank yourself using the phone number listed on the bank’s official website or on the back of your bank card.
Beware of threats and pressure.
Scammers may use emergency tactics or threaten to freeze your account to force you to make quick decisions. Don’t panic. Remember that the bank will never ask you to make important financial decisions over the phone.
Pay attention to detail
Pay attention to call details such as background noise, unclear or poor audio, and strange interruptions in the conversation. These may be signs that the call is not genuine.
Do not transfer money without verifying the authenticity of the call
Never make transfers or payments over the phone, especially if you receive a call with an unexpected offer. Always verify the authenticity of the call by contacting your bank.
In addition, there is a scheme in which scammers, disguised as employees of the Central Bank, ask to transfer money to a “safe” account. Remember that there are no “secure” accounts and that Central Bank employees do not interact with individuals, only with financial and insurance companies. If a “Central Bank employee” calls you, we recommend that you do not engage in conversation and block the phone number.
Use apps or services to determine the status of an incoming call
Today there are many services to determine the status of an incoming number. They allow you to identify a mass call or a useless call. These services are provided by mobile operators or by various banks if you use a banking app. The services are completely free, we recommend that you consult with your operator about the possibility of connecting them.
Use SMS notification services
Many banks offer SMS alert services to instantly notify you of transactions and changes to your account. This allows you to quickly respond to any suspicious transactions and quickly contact the bank if necessary.
Update your knowledge of fraud schemes
The world of technology is constantly changing. Scammers are constantly developing new ways to deceive. Stay alert for new scams and information provided by banks and law enforcement agencies.
Use additional authentication methods
Many banks offer additional authentication methods, such as two-factor authentication or the use of security codes. Activate and use these features to improve the security of your financial transactions.
Ask for help when necessary
If you have any suspicions about the authenticity of the call or have been a victim of fraud, contact your bank immediately for help. They have the experience and resources to help you protect your finances and take the necessary steps to prevent damage.
Train your loved ones
Inform them about scam methods and teach them to be alert when communicating by phone. The more people know about this, the less likely it is that someone will fall victim to a scam.
