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ATM security


Contact details

Telephone number
+27 (0)11 632 2226


Email
risk.online@fnb.co.za

Card skimming


Contact details

Telephone number
+27 (0)11 632 2226


Email
risk.online@fnb.co.za

Online fraud


Contact details

Telephone number
+27 (0)11 632 2226


Email
risk.online@fnb.co.za

Shoulder surfing


Contact details

Telephone number
+27 (0)11 632 2226


Email
risk.online@fnb.co.za

Identity theft


Contact details

Telephone number
+27 (0)11 632 2226


Email
risk.online@fnb.co.za

Scams


Contact details

Telephone number
+27 (0)11 632 2226


Email
risk.online@fnb.co.za

Lost or stolen cards


Contact details

Telephone number
+27 (0)11 632 2226


Email
risk.online@fnb.co.za

SIM swap


Contact details

Telephone number
+27 (0)11 632 2226


Email
risk.online@fnb.co.za

Guard against scams


Do

  • Forward a of copy scam emails to the internet service provider of where the email originated from e.g. report@yahoo.com
  • Be cautious of company names with web based email addresses e.g. junkmail@yahoo.com, @hotmail.com, @gmail.com, @ymail.com

Don't

  • Don't reply to scam texts or emails.
  • Don't make refunds without first verifying with the bank that the deposit that has been made into your account is
  • Don't give potential buyers/sellers money for anything else except for the item that interests you.
  • Don't expect to be selected as a winner if you haven't participated in the lottery or other competitions.

Phishing scams


What is a phishing attack?

This is a form of fraud where criminals attempt to access your confidential information. This is done either by an email request for information or by luring you to a fake website.

What does a phishing attack look like?

Often the emails indicate you have:

Been a victim of fraud and need to login urgently.

Received money into your account that needs to be confirmed.

Done something that will result in your account being suspended unless you login.

Violated terms and conditions and need to login.

Received a payment that needs to be confirmed.

What have you learnt?

In all instances, the fraudster would pretend to be from a legitimate company (for example the bank), and would ask you to disclose confidential financial and personal information, e.g. passwords, credit card account numbers and ID numbers.

FNB would never ask for sensitive information via email.

Vishing scams (phishing via voice)


This is phishing, but instead of being lured to a fake website via an email, you receive a call where the individual pretends to be from the bank and gets you to disclose personal information such as your username, password and PIN. Never do this regardless of the information they may already have about you.

FNB would never ask for sensitive information via telephone or any other channels.

Smishing scams (phishing via SMS)


This is phishing through the use of a SMS, whereby you are encouraged to disclose personal information by means of an SMS you receive. In the SMS the fraudster makes it look as though it comes from the bank.

FNB would never ask for your login details (i.e. username and password) via mail, SMS, telephone or any other channels.

419 scam


Advance Fee Fraud (419 scams)

In this scam you generally receive an email promising you money (via inheritance, lotto winning, etc.) or a request to utilise your account for all sorts of reasons.

What makes this advance fee notification fraudulent is that to 'receive' your money or cut of the money you will be requested to pay an upfront fee to assist with the movement of the money. All sorts of reasons are given for the fee, e.g. exchange control fees, customs duty fees, bank charges, etc.

Once you make this advance fee payment they either cease communication with you or convince you to make an additional advance fee payment.

Fake payment confirmation


Fake payment confirmations

This is a common scam where you receive a fake payment confirmation from the 'bank' with the intention for you to release goods to the fraudster.

It is important to use the verify payments facility that FNB offers to verify an FNB payment confirmation. Alternatively, contact the bank to verify a payment.

Beware of cheque deposits into your account that have not been cleared.

Note that transfers from other banks can take up to 48 hours to reflect in your account. Only release goods, etc. once the payments reflect in your account.

The verify payments functionality is found on the FNB website homepage, next to Forgot Username or Password.

The refund scam


The refund scam

In this scam you receive money into your account from a 'client' which is often an overpayment. You are then requested to return the funds or overpayment into another account.

Be wary before attempting to return the funds.

Ask yourself

  • Do you know the supposed person requesting this?
  • Are you sure the payment is not a cheque deposit?
  • Can you phone the requestor on a predetermined number to confirm the request?

Change of Banking Details scam


This scam is rife. You receive an email/fax/letter that pretends to come from one of your suppliers asking you to update your banking details. Beware of this even if it is on the supplier's letterhead.

Contact your supplier on the number that you already have for them and not the one on the fraudulent letter. Speak to someone you know at the supplier to confirm the change in banking details.

Use the Account Owner Verification option on Online Banking Enterprise™ (see below) to validate the details of the person or business you are trying to pay.

Verify Account Owner


What this is

You can verify an account owner against an account number to confirm that the account you are intending to pay money to belongs to the person/entity you wish to pay. This will help you eliminate the risk of paying an incorrect or fraudulent recipient.

You can verify an individual account holder as well as entities/companies.

All you need is the account number, name and ID number of the individual, or the account number, business name and registration number of the business.

   

Where to find 'Verify Account Owner'

When logged in to your banking profile, use the top right arrow to scroll to 'Insight360'. Next, select 'Reports Menu' on the left-hand side of your screen and then 'Verify Account Owner'.

   

OR

While capturing a recipient /payment:

Select 'Recipients', then 'Maintain Folder' and then 'Add' and 'Create Recipient'.

       

You can verify single or multiple accounts.

   

Verifying a single account

You can verify a single account in real time, with an almost immediate response. Single real-time verifications are only offered when verifying accounts held at FNB, ABSA, Nedbank, Standard Bank, Capitec Bank and Mercantile.

   

Verifying multiple accounts

You can verify more than one account at a time. This service is applicable to most banks, with a response within 2 hours.

   

Import a batch of account verification items

This option is predominantly used by larger clients to import a batch of accounts to be verified all at once, with a response within 2 hours.

Use the predetermined .CSV format or our proprietary ACB (Bankserv - fixed file length) file to import account verifications in bulk.

You have the option to receive feedback on the account verification submission through a report sent to your Online Banking Enterprise™ Inbox, or directly to your designated email address.

As an added value we can notify you via SMS or email once the account verification response file has been received.

Other scams


Change of banking details scam

  • Classified scams
  • Holiday scams
  • Dating and Romance scams
  • Technical support scams

Scams


Scamming 101

A scam is a term used to describe any fraudulent business or scheme attempting to take money or other goods from an unsuspecting individual. With the world becoming more connected thanks to the internet, online scams have increased. It's often up to you to stay informed and cautious when dealing with other individuals on the internet.

What is a scam?


If it's too good to be true

Emails/SMS's/Letters or faxes sent to you requesting you to reply by submitting your personal information/banking details, or by selecting a link in the email. These emails include deposit scams, e.g. claims that you have won a lottery, or payment.

It could be a scam if...

  • The communication sounds too good to be true usually sent via email, SMS, letter or fax.
  • The communication is threatening i.e "if you do not act now your account will be frozen, closed or you will be liable for a fine"
  • You are promised large sums of money for little or no effort on your part.
  • You are requested to provide money upfront as a processing/administration fee.
  • You are requested to confirm personal information, account numbers, passwords etc. via a link in an email.
  • The request usually contains a very quick deadline.
  • You don't know the person who has sent the communication.
  • The sender at times requests confidentiality.
  • Payments are often requested to be made by moneygram.
  • Email addresses of valid companies are slightly modified e.g. missing a letter or domains are different e.g. .co.za vs .com

Below are guidelines to help protect yourself