This is how you prevent your bank account from being looted by criminals

“A lot has been warned about phishing, where people are lured to a fake site. Criminals therefore have a new way: they pretend to work at a bank and call or email you,” says Jelle Wijkstra, spokesperson at the Dutch Association of Banks (NVB).

Looks very real

They pull out all the stops with those phone calls. Often, the victim’s social media profile is first checked first, so that they know everything about you and it does indeed look like a real bank employee on the other side of the line.

The information that the crooks look up about you can go very far. From your dog’s name to your last vacation destination. “You used to get those e-mails that were written in bad Dutch. But now they work in a more sophisticated way. Last year, for example, they called with a telephone number that seemed to really belong to your bank (spoofing).

That is no longer possible, according to de Wijkstra. “We have put a stop to that together with the telecom providers. But now they often call you with an anonymous number.”

Transfer money, and quickly a little

The message is often identical: someone has tried to withdraw money from the victim’s account. Whether they want to transfer the money quickly to another account to prevent them from losing everything.

“Despite warnings, people still fall for this. Criminals often look for a good excuse, for example, they called last year that the bank card should be replaced by another bank card because of corona.”

While the call or message from the bank may seem real, you can often avoid becoming a victim.

This is how you arm yourself against fraud

  • Distrust anyone who even mentions your bank account. This is the best way to protect yourself against phishing and bank help desk fraud.
  • Is there someone at the door who claims to be from the bank. Adieu, close that door again. The bank never sends anyone over to collect a bank card, login device for internet banking or PIN codes. You will also never be asked if you want to send this.
  • Does the bank employee want to install software on your computer to solve a supposed problem? I do not think so! The same goes for apps on your phone.
  • You can increasingly log into your bank account with a QR code. However, that is similar to your login details. Do not do this if you are asked to do so by telephone, text message or email.
  • Do not call a number that is in a text message or that someone provides, but look up the real number of the bank, for example in an old bank statement or on the bank’s website.
  • Never give your PIN or password to others, even if you receive a text message or phone call asking for it.

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