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card scam Garda economic crime bureau warns public about fraud ring targeting bank accounts

The scam involves handing your bank card over to a third party who will collect it


GNECB (Garda National Economic Crime Bureau) have warned the public about a third party fraud ring targeting bank accounts.

The fraud occurs when fraudsters send a text message including a link from what appears to be a genuine bank website. The text message will appear to be from a bank and the initials of the bank will be included in the link to make it appear genuine.

Once the victim clicks the link they will be asked for their personal details including their phone number. Upon logging into your bank account the fraudster is able to recover the victim’s personal details including the login and password.

Fraudsters then contact the victim, purporting to be from the fraud department of the bank and convince the victim that their account is compromised and that their bank card is required by the bank for ‘forensic testing’ or some other reason.

They tell the victim that the bank will send out a third party to collect the card. The victim is advised to put the card in an envelope and write the pin number on the outside.

They are then told that they must hand it to the 3rd party on arrival. The fraudster will frequently be on the phone to the victim as the third party arrives to encourage the handover of the envelope.

The third party may also be an innocent person who has also been contacted via an app or other social media to collect the envelope from the victim and to deliver it to an agreed location, usually near a bank.

They will be met by a person on foot who will take possession of the card.

The card is then used to withdraw cash and to transfer funds out of the victims account.

This fraud has resulted in the theft of very significant sums of money from victim bank accounts.

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Gardaí have advised that people should never click links sent in an unsolicited text message.

They have also advised never to give your pin number, one time codes, online banking details or passwords to a third party as your bank will never request those details.

They have also said never to act on advice or instructions received during an unsolicited call, never download an app on instruction from an unsolicited call and never hand your bank card over to a third party.

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