Fraudsters can use different methods that allow them to get other people's money. The schemes with the help of which attackers gain access to bank cards are considered the most popular. ATMs can be used for this. Also often scammers through the Internet or phone gain access to online banking. Therefore, each owner of the "plastic" should know how fraudsters withdraw money from bank cards. This will avoid the loss of their funds.
What information do scammers need?
To withdraw money from someone else's card, scammers must have certain information. These include:
- card number;
- personal information about the owner;
- a three-digit code located on the back of the plastic;
- validity period of the payment instrument;
- a one-time code with which you can access online banking, and a PIN code is required to use an ATM.
Almost all the necessary information is located directly on the card, but the scammers have to get access codes using various unique fraudulent schemes. Such methods are regularly increasing, as crooks come up with new methods of deception.
Fraud using electronic means of payment is becoming more popular among attackers, since in a short period of time they can gain access to significant amounts of funds.
Using malware
These programs can be installed in ATMs or downloaded onto phones by bank card holders. How do scammers withdraw money from plastic with this method? To do this, the following actions are performed:
- if malware is installed on the ATM, then the card data is read by fraudsters, and they also gain access to the entered pin code, after which the attackers can use this information if they make a copy of the card;
- in addition, scammers can send a link to download a malicious program in an SMS message, so if the cardholder clicks on this link, software will be installed on his phone that will access the mobile bank, after which the necessary information will be sent to the fraudster;
- the virus can be installed even as a result of using the Internet on the phone, if a person goes to any unreliable and dubious sites.
If a scammer gains access to online banking, he can withdraw money from all cards belonging to the chosen victim.
Phishing What is it?
Skimming and phishing are new types of fraud. They are used to obtain data that allows you to use another person’s money on a bank card. Phishing is as follows:
- fraudsters create a site that in appearance and interface resembles any famous and sought-after online store;
- then they send e-mails to potential victims of the possibility of receiving discounts or bonuses;
- To purchase a product, people enter their bank card details, after which scammers can use this information to illegally withdraw money.
Typically, these sites work for about two weeks, after which they close. It is almost impossible to find intruders, so even numerous statements to the police do not lead to a refund.
Another method of using phishing is that scammers send an SMS message to the victims' phones, which offers various discounts or gifts.
Skimming
This method is often used by scammers to gain access to the plastic. To do this, use a special skimmer for an ATM. It is represented by a special electronic device that is installed directly on the device or terminal. Using this device, scammers copy the data on the card.
Further, swindlers easily create another similar card with which they withdraw funds. The pin code is necessarily fixed by a skimmer, so accessing confidential information is quite easy.
Therefore, people who regularly use these payment tools should carefully approach the search for an ATM that they will use to make payments or withdraw money. Additionally, you need to regularly check the balance to prevent illegal withdrawals.
Installing other devices on an ATM
New types of bank card fraud regularly appear. For example, crooks install small cameras on ATMs or apply special glue to the keyboard with which they can find out which PIN code the cardholder entered when using the payment tool.
After that, they make a copy of the card and enter the pin code, gaining access to the funds.
Bank fraudsters
Even among the employees of any banking institution there may be scammers who, by illegal methods, misappropriate other people's money. They can perform the following actions:
- during communication with the client, they can secretly photograph the card, after which they save this information and make purchases on the Internet;
- in addition they can open envelopes in which new cards are sealed;
- quite often they use special readers to fix the data of the payment instrument;
- sometimes when communicating with a client, they display confidential information represented by a PIN code, after which they make a copy of the card and easily withdraw funds from it.
Therefore, even during communication with bank employees, each person should be careful. You should not give them confidential information, as there is always the possibility that a specialist will be a fraud.
Phone cheating
Most often scammers use precisely telephone calls. With their help, they act psychologically on their victims, as a result of which they gain access to online banking. How do scammers withdraw money from bank cards using this method? To do this, the following actions are implemented:
- Initially, attackers call the phone of the chosen victim;
- they can be submitted by buyers if a person has ads on any sites on the Internet, and can also claim to be employees of a banking institution;
- to transfer or protect funds, they allegedly require a one-time code that comes to the cardholder’s phone number;
- in fact, scammers at this time through a computer are trying to access online banking;
- if the person is trusting, then he can communicate this confidential information to a completely unauthorized person;
- at this time, the attacker enters the personal online banking account, which allows him to quickly and easily withdraw all funds to his account.
This method is considered really effective, and usually scammers are experienced psychologists who attract people to themselves, so citizens easily transmit important information to them. To protect yourself from such fraud, it is advisable not to connect online banking. If a person is worried that he might become a victim of scams, then you should figure out how to disable Sberbank Online mobile bank. To do this, you need to contact the PAO branch with the appropriate statement.
Most often, Sberbank cardholders become victims of fraudsters. This is due to the fact that a large number of citizens have these payment instruments.
How to protect yourself?
If a person is well versed in how scammers withdraw money from bank cards, then he will be able to prevent the loss of their funds. But at the same time, new schemes constantly appear, so it is impossible to predict further actions of attackers. To protect yourself from possible cheating, it is recommended to use the following tips:
- confidential information cannot be transferred to unauthorized persons, and employees of the company that issued the plastic also belong to them; therefore, information about the security code on the bank card, PIN code or one-time password should not be provided to other citizens;
- if a person is poorly versed in online banking, it is better not to connect this service at all, and you should not install a mobile application on your phone;
- on your computer and phone you need to use special anti-virus programs;
- you can’t hand the card over to other people, as they can quietly take a picture of the card or just remember the information on it;
- if cash is required, it is recommended to withdraw it at ATMs located directly in bank branches or other large organizations, as fraudsters are usually afraid to install any home-made devices on such devices;
- by phone or the Internet it is not allowed to transmit to third parties one-time codes that come to the phone;
- It is not advisable to install any dubious applications on the phone;
- when making various purchases on the Internet, you should carefully check the selected store in advance.
If you follow the above recommendations, you can really protect yourself from scammers.
Can I get a refund?
Many victims of cybercriminals think about what to do if fraudsters withdrew money from the card. In practice, scammers go unpunished, and the bank cannot return the funds.
The owners of the payment instrument themselves are to blame for this situation, since they voluntarily pass on secret data to unauthorized persons. Fraudsters withdrew money from the card, what to do in such a situation? If a small amount of money has been lost, then you need to immediately block the "plastic", for which you will have to call the bank. Only in this case can further prevent the write-off of money.
Additionally, you can file a complaint with the police, but it is too difficult to find the attackers.
Punishment for fraud
Responsibilities for fraud using various electronic means are given in Art. 159.3 of the Criminal Code. The punishment may be as follows:
- a fine of up to 120 thousand rubles, which can be replaced by the salary of the criminal received during the year;
- correctional labor up to 1 year;
- restriction of freedom for two years.
If at all such a crime is committed by a group of people, which leads to significant damage to the victim, then the fine is increased to 300 thousand rubles, and it can also be replaced by forced labor for 5 years, restriction of liberty for 1 year or imprisonment for up to 5 years .
Conclusion
Fraudsters can use different methods to enable them to access bank cards of other citizens. They install different devices on ATMs, use malicious programs or psychologically affect people, receiving confidential information from them. Therefore, each owner of the "plastic" should know what measures should be applied to protect their funds. Fraudsters withdrew money from the card, what should the owner do? You need to immediately block all accounts and write a statement to the police.
If the police find fraudsters, they will be prosecuted. Records of telephone conversations, bank statements and other documents are used as evidence.