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With bank card phishing, fraudsters try to get hold of your bank card and personal codes. They do that by claiming that your debit card needs to be replaced.
By e-mail, telephone or SMS they ask you to send your bank card by post to a specific address. At the same time, they send you a link that takes you to an unsafe website where they ask you to enter your personal codes on a website, and this is how the fraudsters try to steal your bank details and personal codes.
You will receive an email or SMS from your 'bank' telling you that your debit card needs to be replaced. You supposedly have to return your old debit card for recycling and the new card will be sent to you within 5 days. The link in the e-mail or text message will take you to the fake website. Then the fraudsters ask you to:
This way criminals have your card and your codes.
Don't believe every email or text message.
Never send your debit card by post.
Always keep the codes your personal and response codes secret (created by your card reader), just like the pin code of your debit card. These are strictly personal and your bank will never ask for them. Not even by e-mail, SMS or telephone.
Scammers act as a bank employee and call you to warn you, for example, about suspicious transactions that have been carried out with your bank card. Suddenly there are problems with the connection and they propose to come to your house and solve the problem together. They behave very professionally and do everything they can to gain your trust. A short time later, the scammer rings your doorbell and then sits down with you to log in together. In this way he finds out your personal code or writes down the response code via the card reader. Then he cuts the bank card in front of you, after he has quickly exchanged it or he carefully cuts next to the chip. This way he has everything he needs to transfer money from your bank account: the bank card and your personal codes. Within the daily limit, he can make transfers and empty your accounts for several days, as long as the card is not blocked.
So be on your guard and remember that bank employees will never ask for your personal codes (PIN codes or response codes). They also never come home to cut payment cards, collect them or to solve certain payment problems. If it does, then you are dealing with a scammer.
If you are not sure, break off the conversation and contact your bank to verify the story. Never let yourself be fooled by so-called urgency. It is a common excuse to panic victims and to make them act faster.
You can take following steps: