Fraudsters actively use new methods of deception to steal funds from Internet banking. One of the most common methods is phone calls, during which criminals pose as bank employees and offer to download a new banking application that supposedly replaces the old version.
According to experts, attackers send phishing links to download the program, which look like they are from the bank's official chatbots in messengers. After the victim downloads the fake app, the fraudsters ask for or provide passwords, PINs, or codes from text messages sent by the bank's real customer service. This allows them to access your online banking and steal funds.
How to avoid fraud?
- Check the phone number of the bank. If they call you and offer to download a new program, end the conversation and call the official number indicated on the card or on the website of your bank yourself.
- Do not provide personal information. Never share passwords or codes, even if the interlocutor calls himself a bank employee. Official institutions do not request this data over the phone.
- Download apps only from official platforms. Use the Microsoft Store for Windows, the Apple App Store for macOS and iOS, and Google Play for Android. They provide a basic level of security for downloaded applications.
- Check the reputation of the application. Before downloading an app, check its reviews, number of downloads, and the reputation of the developer. Be careful about the permissions the app asks for. If a book reader requires access to your geolocation or camera, that's suspicious.
- Avoid suspicious programs from questionable countries. Always pay attention to the country of origin of the program and verify the information before installing.
By following these simple rules, you can minimize the risk of becoming a victim of fraudsters and protect your personal finances from fraud.
