Online safety

What are the types of fraud? 

In recent times, a number of phishing and other scams have been identified that appear to be genuine. This guide will help you recognize and avoid these online and phone traps. 

Online fraud

• Phishing - Criminals send emails that look real and ask for personal information. Usually these messages include links to fake websites. - (e.g. Not Secure | bankabt.com , capital2#partners.com etc) 
• Vishing - Phishing phone calls, where scammers pretend to be from the bank and ask for confidential information. 
• Malware - Malicious programs installed on your devices that steal banking information. 
• Social Networks - Criminals use social networks (Facebook, LinkedIn, Instagram, TikTok etc) to gather information and access bank accounts.

Telephone Fraud

• Fake calls - Criminals use fake numbers, pretending to call from the bank and asking for personal information. 
• Fake SMS (Smishing) - Fake text messages that appear to be from the bank and ask for information or unsafe links. 
• Remote control apps - Criminals require the installation of remote control apps, such as Anydesk or BIZ Daemon, to access the victim's devices and take control of bank accounts. 

Example of recent fraud 

• False advertising campaigns that appear to be launched by companies of the Banca Transilvania Financial Group or by intermediaries authorized by the Financial Supervisory Authority (A.S.F.) and promise significant gains from investments. 
• Unauthorized telephone calls/emails from persons claiming to be representatives of the companies mentioned and promoting investments, asking for personal information 
• Phone calls, from people claiming to be representatives of the mentioned companies and asking for the installation of remote control applications by which they manage to access accounts and transactions.

These advertising campaigns are fraud! 

The companies of the Banca Transilvania Financial Group and the intermediaries authorized by the A.S.F. do not initiate such approaches either by email or by phone, do not offer investment advice, do not request money or personal data.

How to protect yourself?  

Online

• Do not disclose personal information by email or text.
• Check the URL - make sure the site is secure (padlock symbol and https). 
• Update software - keep programs and applications up to date.

Telephone

• Do not give out personal information over the phone - banks do not ask for sensitive information over the phone (e.g. CNP, home address, passwords, PIN etc). 
• Check the identity of the caller - call the bank's official number if in doubt.
• Do not access links in suspicious text messages. 

If you think you're in the same boat as recent frauds, keep the following in mind:

• Approach any phone call or email with caution.
• Always check the addresses and phone numbers from which you are contacted.
• Do not provide your bank card details - BT CAPITAL PARTNERS and the companies of the Banca Transilvania Financial Group never ask for your card number or CVV/CVC code.
• Only visit official websites - make sure you visit the official websites of companies and intermediaries authorized by the A.S.F. to avoid fake websites.

How can you tell if you are being contacted fraudulently?  

• Receive phone calls from international numbers.
• Receive emails from accounts like Hotmail, Yahoo, Gmail etc.
• Messages that reach you have grammatical or spelling mistakes.
• Website addresses and social network accounts with slight changes from the official ones.
• Over the phone, you are promised quick wins with minimal investment.
• You are told to install remote control applications (e.g. Anydesk, BIZ Daemon etc). 

What to do if you are a victim of fraud?   

Contact your bank and BT Capital Partners immediately either by phone and discuss the next steps, or write an email to risc@btcapitalpartners.ro to take the necessary steps and forward the messages to the representatives of the companies in the Group Don't forget to change your passwords. 

Remember: Bank fraud is a real risk. Be informed, take preventive measures and report any suspicious activity. Be vigilant and protect your personal and financial data! We invite you to watch the following online safety materials: Online safety by BT - YouTube