Card fraud

1. Notify the bank

If you notice a card transaction you don’t recognise, it’s important to block or freeze your card as soon as possible and contact your bank. The sooner you act, the greater the chances of recovering the money.

2. Report to police

You should report card misuse to the police, regardless of the amount. Even reporting cases with low amounts can help the police to find trends in fraudster behavior though the funds cannot be refunded. When reporting, it helps the investigation if you grant the police permission to access information from the bank. You can report here or at the nearest police station.

If some time has passed since the incident, it will be examined alongside similar cases to identify patterns and attempt to stop those responsible.

Good practice to prevent card fraud

• In most online banking apps, you can check which devices are authorised for biometric login. If there are devices you don’t recognise, remove them immediately.

• Never share your card number and security code unless you are making a purchase on a secure website. Never take a photo of your card and send it to anyone.

• Never share security information with others, even if you know (or believe you know) the person you’re sending it to. Banks, institutions, and reputable companies do not request sensitive information, like passwords, security codes, or personal details, via email or text messages.

• Carefully review emails and messages requesting personal information or money transfers. Verify their authenticity through other channels, such as a phone call.

• Only approve electronic ID authentication if you are actively using it to log in.

• Never enter usernames or passwords on websites that pop up after clicking a link.

• Use multi-factor authentication for all your online accounts, such as email, social media, and other services.

• Use different secure passwords, a password manager or passkeys.

• Keep all your devices and software updated with the latest versions.