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Beware of Fraud: Protect Your Bank Account from Scams
Beware of Fraud: Protect Your Bank Account from Scams





The recent case of bank account breaches serves as a reminder that fraud can be carried out by anyone. Fraud is a serious threat that can cause financial losses for customers and erode trust in banking institutions.

In this case, fraudsters posed as customer care representatives, involving former bank employees to gain access to customers' personal and financial information. As a result, they managed to hack into hundreds of bank accounts, causing losses amounting to billions of rupiahs.

This incident highlights the importance of security in banking transactions. To help you stay safe, let’s discuss common fraud schemes and how you can protect yourself.

Common Fraud Schemes

With the rapid advancement of technology, social engineering scams have become increasingly prevalent. Below are some of the common fraud schemes used by scammers:

1. Fake Phone Calls

Fraudsters initiate this scam by calling victims from phone numbers that appear to be official bank numbers. They introduce themselves as bank officers and claim there is an issue with your account, such as suspicious transactions or the need for data updates. They then ask you to provide sensitive information, such as your account number, PIN (Personal Identification Number), or OTP (One-Time Password).

2. Fake Emails and Text Messages

Scammers also send fraudulent emails or SMS messages pretending to be from the bank. These messages often contain a link directing victims to a fake banking website that closely resembles the official site. Once you enter your login credentials or personal details, scammers can access your bank account.

3. Chat App Scams

In addition to phone calls and emails, scammers also use chat apps like WhatsApp and Telegram. They may claim to be bank officers conducting surveys or updating customer information. They will then ask you to send sensitive data through the chat.

4. Social Media Fraud

Fraudsters create fake social media accounts that mimic official bank accounts and contact customers via direct messages (DMs). They offer fake promotions or assistance that requires you to share sensitive information.

Tips to Prevent Fraud by Fake Customer Service Representatives

By taking the right precautions, you can protect yourself from scams and keep your bank account secure. Here are some key tips to help you stay alert and prioritize security in your banking transactions:

1. Keep Personal Data Confidential

Never share your account number, PIN, or password via phone, email, text message, or any other communication method. Banks will never ask for this information through unofficial channels.

2. Secure Your Devices

Ensure that your mobile phone and other gadgets are protected with strong passwords and updated regularly. Additionally, activate antivirus or anti-malware software for extra protection.

3. Verify Caller Identity

If you receive a call from someone claiming to be from Bank Neo Commerce, make sure you are speaking to an authorized representative. Do not hesitate to ask for their name and employee number to verify their identity. If in doubt, hang up and call the official bank number listed on the Bank Neo Commerce website at www.bankneocommerce.co.id.

4. Beware of Fake Calls and Emails

Do not be deceived by suspicious phone calls and never click on unknown links or email attachments. Scammers often use social engineering techniques to steal personal information. Always check the sender’s email address carefully before taking any action.

5. Use the Official Banking App

Download the official neobank app from Bank Neo Commerce to securely access your bank account. Avoid using third-party applications that are not verified, and always update to the latest version of the neobank app.

6. Avoid Public Wi-Fi for Banking

Never access the Neobank app using public Wi-Fi networks, as they are often insecure. Always use a private and secure internet connection to prevent hacking risks.

7. Regularly Monitor Your Bank Account

Frequently check your bank account for unusual activity or unauthorized transactions. If you notice anything suspicious, immediately report it to the bank’s official customer service channels:

Remember, your account security is your responsibility. Always stay alert and follow the preventive measures above to avoid falling victim to scams.

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PT Bank Neo Commerce Tbk is licensed and supervised by the Indonesia Financial Service Authority (OJK) and Bank Indonesia (BI), and an insured member of Deposit Insurance Corporation (LPS).

 

 

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