Suffocating with tricks to defraud money from bank accounts

Suffocating scam traps

Browsing through social networking sites, it is not difficult to come across articles "complaining" and "warning" about being scammed and having your bank account stolen.

Many scams are posted and shared by people, mainly tricks such as creating fake messages, notifying of wrong money transfer and asking the recipient to transfer money back; impersonating bank employees to ask people to provide OTP codes of bank accounts; scamming with malicious links to steal information;...

Having received a scam message asking her to access a strange link, Ms. Le Hong Phuong (Hanoi) immediately discovered the subject's scam.

Specifically, Ms. Phuong said that she received a message stating that her bank account had registered for advertising services on Tiktok, with a monthly fee of 3.2 million VND. If you want to check or cancel, click on the link...

"What's worth mentioning is that this message clearly states that the sender is Vietcombank and the phone does not identify this as spam. The message is sent directly to the same Vietcombank mailbox where I usually receive information about the bank's promotions, receive OTP codes, etc.

This message hits the user's psychology of being afraid of someone doing something to their card, so they quickly click to check to cancel, and this action is the trap. When entering the account information, the scammer has collected enough personal information and they are successful" - Ms. Phuong said.

Recently at the Workshop "Protecting bank accounts against the increasing risk of online fraud", Lawyer Ngo Huynh Phuong Thao (Ho Chi Minh City Bar Association) shared that he had received many complaints from people about being scammed of money in cyberspace.

This lawyer said that most recently, an acquaintance was lured into interacting with clips on Facebook, promising to receive a good income. Initially, this person was transferred 10,000 VND to his bank account for each clip interaction. After that, he was lured and lost a total of more than 25 billion VND.

Ms. Phuong Thao shared: In lucky cases, the police can investigate and prosecute the case, but this process is not without difficulties.

The "unchangeable" principle to avoid fraud

The 3 principles recommended by experts to avoid scams are not to access strange links, from strangers or incorrect domain names.

Don't download apps that aren't available on Google Play or the App Store. And don't listen to financial advice over the phone or via text message.

Recently, banks have issued a series of warnings to people to identify forms of fraud.

Mr. Le Anh Dung - Deputy Director of the Payment Department (State Bank) said that fraud is undermining customer confidence and is a big challenge for banks and management agencies.

Mr. Dung said that the State Bank has coordinated with the Ministry of Public Security to continue connecting the national population database to verify customer credit information. Working with the Ministry of Information and Communications on a plan to clean up data, matching information of account holders registering for online banking services with information of mobile subscribers by mobile phone number.

Notably, Mr. Dung affirmed that in the near future, there will be a regulation requiring biometric authentication, that is, authentication by fingerprint, face when transferring money between banks, which could be 10 million VND. Because according to statistics, 90% of interbank money transfers are under 10 million VND, only 10% are over 10 million VND.

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