BLIK is 1 of the most convenient payment methods in Poland, but unfortunately besides 1 of the most frequently utilized cyber criminals. The cheaters are inactive improving their methods, and now they have discovered a fresh way to interception of money from bank accounts. How does this method work and how can you defend yourself against it?
A fresh method of fraud – how do they bargain money through BLIK?
BLISTER works on a rule six-digit codes generated in the banking application, making it a fast and convenient tool for online payment and in fixed stores. Unfortunately, the cheaters found how to take these codes and bargain funds from user accounts.
The fresh method is taking access to the victim's bank account through phishing. Cybercriminals usage different ways:
- False emails and SMSes impersonating banks or financial institutions where the victim is asked to click the link leading to the fake login page.
- Pretending to be friends on Facebook – cheaters break into someone's account and ask his friends to rapidly enter the BLIC code to “pay the bill” or “sudden financial situation”.
- QR Code Attacks – There have been cases where infected websites generated QR codes that automatically acquired access to mobile banking for the user.
As shortly as the cheater gets the BLIC code and confirmation of the transaction in the banking application, he can immediately withdraw money from the ATM or store online on the victim's dime.
How much can you lose? Examples of extortion in Poland
Polish banks do not supply authoritative statistic on the number of users deceived, but experts estimation that Over the last year BLIC fraud has cost Poles tens of millions of PLN.
Examples:
- Warsaw resident lost PLN 12,000When criminals impersonated his friend and asked to make BLIC code.
- Cheaters robbed a woman's account from Gdańsk for PLN 7 500, utilizing a fake bank page where she entered her login data.
- Entrepreneur from Krakow lost PLN 20,000, erstwhile he clicked on the link with the expected "invoice to pay" – he installed malicious software that intercepted his bank data.
How to effectively defend yourself against BLIC scammers?
To avoid becoming a victim of fraud, it is worth applying respective key safety principles:
- Never give BLIC code to 3rd parties – even if the message comes from a friend, always verify if it is him.
- Do not click on suspicious links in emails and SMSes – banks never ask to log in through SMS messages or emails.
- Verify bank website address – cheaters frequently copy the look of bank pages, but the URL may contain typos or additional characters.
- Use two-component authentication (2FA) – increases the safety of logging into your bank account.
- Watch out for fake mobile apps – before downloading, check if the app comes from the authoritative Google Play or App Store.
- Regularly change the password for net banking – is an additional protection against attacks.
What if you were a victim of fraud?
If you announcement suspicious transactions in your account or fishy that individual has accessed your banking, act immediately:
- Contact the bank immediately and block your account or cards.
- Change passwords to net banking and all related services.
- Call the police. – Financial fraud is simply a serious crime that should be prosecuted.
- Check that your data has not leaked – it is worth monitoring whether your login data has not been put on sale online.
BLICK is simply a large solution for people who value velocity and convenience, but also 1 of the main tools utilized by cyber criminals. fresh method of fraud code capture by false websites and social accounts may lead to large financial losses.
The most crucial thing is to be careful and respect the basic principles of cybersecurity. Remember – if individual asks you for a BLIC code, always verify that it is actually the individual you claim to be.
SEO tags: blik, cheating, cybercrime, mobile banking, payments, security, phishing
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