How to recognise scams?
Scams are more and more sophisticated, and can take very different forms. Here is how to recognize most online scams:
- Someone you don't know sends you a message (email, social networks, instant messaging, etc.).
- You are offered to make money fast and without risk, with phrases like "100% guaranteed", "same day money" and "legal money".
- You are told that other people have already made a lot of money doing the same thing.
- The scammer ends up asking you for your bank account number, for one reason or another.
- Read the list of the most frequent scams.
Here is an infographic from the European Banking Federation to help you recognise a banking scam and protect yourself.
Best practices against scams
- Always be suspicious when someone contacts you by email or on social media promising you easy money, or claiming to be from your bank
- Have you received a suspicious email? Don't click on any of the links or attachments it contains.
- If you receive a call from a number you don't know pretending to be your bank, hang up. If in doubt, always hang up and then call your bank's customer service.
- Avoid connecting to public, free and open wifi.
- Make regular updates on your computer or smartphone.
- Prefer to use a national site. In case of problems, it will be easier to find a solution.
- Before you buy from a website you don't know, check to see if there are any reviews on that site.
- Wherever possible, it is better to use your credit card. It will be easier to get reimbursed if necessary. If the site requires payment by wire transfer, think twice.
- If the product does not arrive and the seller does not respond, contact your bank.