Stolen smartphones can be used to steal your money. Here's how to protect them
A Life / / December 19, 2019
To get money from your card, the fraudsters do not have to hack your phone. Suffice it to steal or find. Therefore it is better not to wait for these tragic events, work proactively and save savings.
Eliminate the main security holes
SIM card
While the SIM card is inserted in your phone, you detour password, fingerprint or Face ID and believe that data security. But it is necessary to stick it to another gadget, and the fraudster gets full access to her. That's what he can:
- Banks receive messages, including SMS-codes, and verify their operation. For a rogue, who already has your credit card data, it's just a gift.
- To replenish the account of mobile phone using simple commands sent via SMS. This money can be something to pay or get them through an electronic wallet that is easy to set up right on your name: SIM card is already in the fraud.
- Change the password from a personal account on the site bank and dispose of your money directly from your browser.
- Install on your phone banking applications that you serve, authorize them, change your passwords and manage funds. Given the fact that some banks allow you to use the phone number here, even special knowledge is needed as a login.
Alexander Vasev
Lost phone and lost 115 thousand rubles
The night of May 1, I found the phone missing. Over the phone I do not worry, it was inexpensive. It's a shame it was only for a sim card - at that time it was still listed on my mother. She lives in another city, so Sims recovery - this whole thing.
Waking up in the morning, I first climbed to choose a new phone, and book tickets for the plane. However, all services are stubbornly wrote that insufficient funds. Go to your local ATM, I discovered a horrible thing: unknown translated 115 thousand on another card.
It turned out that someone found my phone, took out the sim card and sent over 70 requests for mobile number 900 (Sberbank short number where the money through messages can be translated). Then this somebody put my sim card in your iPhone, used to log into mobile banking my credit card number, which was destroyed two years ago (apparently her full number sent in one SMS), and then asked for a one-time password to access my Finance.
So after 6am with the number registered to another person, comes more than 70 countries SMS to the number 900, someone He is trying to get into mobile banking with the device, which I never used, according to the card number that is two years destroyed. You know, making Sberbank? He will send a one-time password to enter the "Savings Bank. Online. " But that's not all! Money is withdrawn in five tranches: first 8000, then 48, then 37, then 20, then 2. None of these operations, Sberbank does not block.
If you have a mobile phone, from which you can easily pull out the SIM card, beware of leaving it unattended even for a short time.
What to do
Set the PIN code on the SIM card. In this case, plug it into another phone is not enough, you need to know the cherished four digits. Of course, do not store the PIN in your phone notes or in any other application without a password: it is dangerous.
If your phone is stolen, immediately call the operator and block the SIM card. Theft of money here - just one of the problems. Maybe, at the same time a crook decides to post a couple of swastikas on the forums or criticize the authorities - will not only poor, but also to prisoners.
The data Wallet on your lock screen
To use your SIM card in full, the attacker must know the client which bank you are. If the phone is locked, the fraudster will still be able to do it, but only with your help.
Let us examine the example of the program on the Wallet for the iPhone. You have laid there all their cards and rejoice, as it became convenient. To make it more comfortable, you have included the opening of the purse function by double-tapping the button "Home" or the side keys. You get access to all the maps, it is easy to choose the right one. But in order to pay for something, it is necessary to confirm the operation with the help of Touch ID.
Sounds safer than it actually is. The fraudster can not use the card, but it's easy to find out what they are issued by banks. Bit manipulation, and money from the accounts will rush into the unknown distance.
find out☝
- How to protect a bank card from fraudsters
What to do
Suppress content Wallet double touch of a button. To do this, find the section in the settings «Wallet and Apple Pay» and move the corresponding slider.
If you set up something similar to Android, it is also better to disable.
Output message text to the lock screen
Each time to unlock your phone to read a spam message or a letter from the sending of the store, usually lazy. More convenient when you can just look through the text and send it to the basket, if there is nothing good.
That's only when the phone will be in the hands of others, the fraudster does not even have to do anything. Everything SMS codes banks will be available to him.
What to do
Suppress text messages on the lock screen in the security settings.
- On iOS: «Settings» → «alert» → «Display thumbnails» → «Never."
- On Android: «Settings» → «Protection and location» → «Lock screen» → «Hide sensitive data."
Smart Lock
Cool, comfortable and technologically, when the smartphone recognizes you, such as smart watches and unlocked, if you are somewhere near. But the radius of the Bluetooth signal-action rather big, and the attacker can easily gain access to the phone's internal, if it will take, but it will remain far from you.
What to do
Think about how you need this feature. If you literally You do not release the phone out of hand, working from home and really need to unlock the smartphone was always in front of you, you can take the risk.
, Go to "Settings» → «Protection and location» → Smart Lock to turn off Smart Lock on Android-smartphone. Then select, which is tied to unlock, for example: "Reliable device» → «Disable" or "Delete reliable device."
Your slowness
Remember that the phone now - not just a means to make calls. If discovered it missing, do not expect that he miraculously find it. You need to report the incident to the bank for at least two things:
- Bank sets itself tick and will not allow money from the account went. Talk about how all of this will take place in order to protect savings. Remember, all conversations are recorded, and these records you may need. You can record the conversation themselves for loyalty.
- If you notify the bank that access to your account can get cheaters, but transactions still take place, you will have reason to make claims to the financial institution. Work there is not telepathic, so the withdrawal of all money from their accounts, may not surprise. Your claims there divorced hands: Reaffirming the provisions of the operation means. But if you have already cleaned out after you call the bank, you can ask questions already his staff. That's what records of conversations.
What to do
Immediately call the bank as soon as discovered the loss of a smartphone. It is better then to run to restore access to mobile apps if the phone there will than be left without money.
Come up with a really complex password
Year of birth - a bad password, it is best to choose something genuine. A good graphic key - one that your friends can not enter even after you showed them that draw with your finger.
Create a complex combination👩💻
- Passwords Generator Layfhakera
Do not attach all the cards to the smartphone
Who argues, it is very convenient. But it would be better cards, which bear a fortune to protect from the sticky hands of fraudsters. Especially the physical theft of the phone - not the only way to get your money.
Separately note card with a credit limit. Theft with debit cards makes you poorer, with credit - driving into debt.
Activate the "Find a phone"
Depending on the smartphone it is called slightly differentlyBut the point is made. If the machine will be gone, you can quickly lock the device, and if necessary to delete all data from it remotely.
see also📱🧐💸
- How to stop worrying that your password be kidnapped
- 9 problems with bank cards and their solution
- 5 ways to protect the money on the card when paying online
- What if the card deducted the extra money