Bank transfer scam: be careful with this fake RIB fraud, it is almost impossible to get your money back

Vigilance is required with this new scam because it is difficult to recover the embezzled money once the operation has taken place.

A scam that we don’t see coming, but which could prove very costly. This is the bank transfer or false RIB scam.

An invoice sent by email

The method is almost invisible: company customer accounts are hacked in order to recover their information. The scammers then send the invoice by email with a RIB and the person pays their debt without realizing that they are not paying the right company.

Origin of this spreading scam

Fake transfer order scams initially aimed to push an employee or public official to make a bank transfer, by impersonating the real creditor.

This type of fraudulent maneuver has been identified since 2010 and subsequently spread to private organizations but also to individuals, as reported the local authorities website.

Difficult to recover your stake

The only problem is that the bank is not obliged to reimburse the embezzled amount because it does not concern misuse of the bank account: the person voluntarily sent the money to a RIB.

The only solution is to realize it right after the operation before the money has passed through. If the amount has been transferred, it is too late unless the scammers are convicted.

Signs to watch out for

However, certain signs can alert you to a possible scam. It is necessary to verify the identity of the sender of the email and therefore of the owner of the RIB. If the email address is different from the one usually used, this is a first clue.

It is recommended to be careful when changing bank details, especially when it comes to an account on a mobile bank, but also to check email addresses which may appear suspicious, and to spot any errors in your account. spelling or logo in invoices.

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