What are cyber threats?

Cyber threats are fraudulent attempts to seize your money, personal data, or account accesss via the Internet, phone calls, or mobile apps.

Important:

  • in most cases, fraudsters do not hack bank systems
  • they manipulate the client

Why are bank clients targeted?

Because:

  • money is digital
  • transactions are fast
  • people are the weakest link

It is easier to trick a person than to hack a system.

How attacks usually happen

Common scenarios:

  • “Call from the bank”
    “Your account is at risk, tell us the code”
  • Message with a link
    “Click to verify your account”
  • Installing an app
    “Download this app for protection/investment”

The goal is always to get:

  • SMS/OTP codes
  • passwords
  • access to your device

The most important rule

Never share with anyone:

  • SMS/OTP codes
  • passwords
  • full card details

Even if the caller claims to be a bank official.

Important to remember:

  • Banks never ask for codes over the phone
  • Official apps should only be downloaded from:
    • App Store
    • Google Play
  • Any “Urgency”  is an attempt at pressure

Quick self-check

If someone:

  • pushes you to act urgently
  • asks for codes or links
  • creates panic

It is almost certainly fraud.