Online purchases, transactions and card account fraud: how cybercriminals rob Belarusians

 Online purchases, transactions and card account fraud: how cybercriminals rob Belarusians

If you do not use a payment card in online stores and the business system, contact your bank to set appropriate restrictions for cards.

Banks issued more than 15 million payment cards, with 2/3 of them having international status, and they can be used to conduct transactions on the Internet.

According to the statistics of the Bank of the Republic of Belarus, in 2018 more than 1.5 billion transactions were made using bank payment cards. Transactions totaling about 60 billion rubles. This year, the share of non-cash transactions continues to grow.


However, an analysis of committed illegal acts using cards shows that many of the clients do not know how to use bank cards safely.

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By the way, in the first half of 2019 a unit of Investigation Committee of the Grodno Region initiated 304 criminal cases using computer technology, while the vast majority of facts were committed using citizens' card accounts.

Damage caused in the total amount of about 95 thousand rubles. By the way, there are frequent cases when cards without the knowledge of parents are used when registering in various online services to purchase content and applications on the Internet. In one case, purchases in the application store cost parents more than 1,100 rubles.


- Do not transmit pin codes with cards. Remember that cards with contactless functionality allow you to perform settlements on objects of trade and services without entering a PIN code, said Ruslan Novitsky, deputy head of department “K” of the Department of Internal Affairs.

How to protect yourself

If you do not use a payment card in online stores and the business system, contact your bank to set appropriate restrictions for cards.

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Using 3-D Secure technologies for international payment systems Visa and MasterCard or Internet Password for the BELKART payment system. For operations on the Internet you must use a special card.

It is imperative to connect SMS-informing to such a card in order to control expenses and attract funds to the bank in order to block unauthorized transactions.

Do not transfer the full details of the card, CVV / CVC code, indicated on the back of the card, 3-D Secure passwords, as well as access details in Internet banks to third parties. persons who introduced themselves as bank employees. Today, these are the most frequent ways of committing thefts with card accounts.

If you have questions regarding the ways and methods of using a bank payment card, you can contact the banking institution that issued the card at any time for advice.

Thus, responsibility begins from the age of 14 and can reach 5 years of imprisonment, and in large and especially large amounts - up to 10 and 15 years, respectively.