In 2018, scammers
money from bank cards 417 thousand times in the amount of 1.5 billion rubles. In 70% of cases, scammers steal money, knowing only the details of the card. Details include everything that is written on the card: 16-digit number, name and surname of the owner, expiration date and a three-digit security code on the reverse side (for V162sa it is called CVV, for Mastercard it is CVC). Outsiders can only be given the card number, name and surname.
The rest of the data is confidential. Most scammers hunt for them.
We tell you what to do to protect your money and at the same time not be afraid to use the card.
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People themselves help scammers by divulging confidential data.
In 2019, scammers say they are employees of banks and mobile operators, buyers in ad services like Avito. There are entire illegal call centers that illegally obtain contacts of cardholders and ring them to steal data and then withdraw money. In order not to get caught, you should always be alert.
The numbers are enough for transferring funds;
"The purpose of scammers is to force you to transfer money voluntarily. To protect your finances, do not follow dubious links on the Internet and don’t call back to unfamiliar numbers. To check any information, contact the bank by the phone number indicated on the back of the card. Remember that the bank will never ask you for the full card number, CVV number and will definitely never require you to dictate the code from SMS .
We initially own this information, and for service it is not needed .
If the caller represents being a bank employee, but you have doubts, take a break, call the official number and specify details. Do not download any additional mobile applications at the request of the callers. Carefully read the SMS texts with confirmation codes, check the details of the operation, " - told The Challenger in the press service of VTB.
It’s not a fact that a person will take this opportunity to remember your card information, but there is always such a risk.
The exception is close people from whom you have nothing to hide. In restaurants and shops, hold the card in your hands and do not give it to sellers and waiters. If you left the card unattended, immediately reissue it.
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Most cards are equipped with contactless payment technology.
This means that, having special equipment, scammers can steal money literally from your pocket - while you gape on the street or in line.
"Contactless payment signals PayPass and PayWave are received by the terminals at a minimum distance. In normal life, contactless payment is very convenient: just attach the card to the terminal to make payment. To write off small amounts (the limit is set by payment systems) you do not need to enter a code ", - told The Challenger in the press service of VTB .
To protect cards from contactless theft, store them in a special case with RFID protection (technology Radio Frequency Identification allows to exchange information on the chip and the transmitter of the terminal at radio frequencies).
Protective covers have a layer of metallized film of a metal alloy that blocks these radio frequencies.
If you have no plans to buy a protective case yet, keep the cards deep in the backpack and away from the surface. Do not keep cards in your pockets. In addition to committing contactless theft, they can simply be pulled out.
From the open Wi-Fi network you can get the card details that people enter when paying online. Do not pay for purchases in the subway, cafe and other public networks. If you urgently need to buy something, do it via your smartphone using the mobile Internet, after disconnecting Wi-Fi.
"Fraudsters can infect your computer or phone with a virus and steal your personal data. Install an antivirus on your smartphone - it will prevent malware that intercepts SMS messages from the bank, steal personal and authorization data of cards, "- told The Challenger in the press service of VTB.
Some banks offer cards with a monthly cashback for the remainder. There is a temptation to keep all the funds on one card in order to receive b about more payments. This is a risky way. Even if you follow all safety measures, something unexpected can happen, and then you say goodbye at once with all the money. It is most reliable to store money on two or three cards of different banks.
It’s also profitable: banks provide various loyalty programs and bonuses. Paying for parking and refueling, for example, is more convenient with one card, shopping in stores and travel is another. Examine the offers of different banks to get the maximum benefit from using their cards.
Photo: shutterstock. com
Many people almost no longer use a physical bank card - it was replaced by the contactless payment function Pay in the smartphone.
In addition to convenience, this method is safer than paying with a regular card. When paying via smartphone, the data does not get to the terminal from which fraudsters can steal the code and other information. When you add a card to A194198le Pay, the data entered on the device,
and are sent in this form to A210218le servers. After confirmation, they are encrypted again. A225231le does not know card numbers and other data.
Contactless payment takes place using a one-time dynamic security code, not a card number. Similar systems are used in
"The Pay function on mobile devices maximally protects your funds. Any payment by a smartphone is necessarily confirmed by a fingerprint or Face ID, which eliminates fraudulent debit money, "," The Challenger told VTB Press Service.
The contactless card in the phone will not be lost and it cannot be stolen - only if with the phone.
But all the same, robbers will have to smash their heads over a password or hacking Face ID.
Taxi, cleaning, food delivery services offer to attach a card to instantly pay. But there is always a chance that these cards will "leak out" and fall into the hands of fraudsters. In order not to bother with cash, attach the card to Apple Pay services (Google or Samsung). So the money will be debited, but the card data will not get into the company.