If you withdraw money from the card (Sberbank), what should you do?

In 2013, Russia became the leader in Europe in the number of cases of fraudulent transactions with bank cards. People are trying to find real help in case of illegal withdrawal of funds. In Russia, this issue is regulated by Federal Law No. 161 "On the National Payment System". It operates since 2011. But the most important points entered into force only in 2014. The law describes the algorithm of actions, in the event that the money was withdrawn from the card (Sberbank). What to do first and for whom to seek help?

Types of fraudulent transactions

If we briefly describe the essence of the law, then banks should increase the level of protection of customer funds. For a long time this issue was not given proper attention. Banks entered into the contract the phrase that for the transactions committed with the use of a PIN-code, the responsibility is borne by the client. Such cases still take place. Many people store a piece of paper with a PIN code in the purse along with the card itself. This is a gross violation of security measures. And if you have withdrawn money from the Savings Bank card, then in such a situation it will not be possible to return them back.

But scammers can crank their operations without even having a plastic carrier on their hands. It is enough to learn all the details of the card and quietly withdraw money. To date, there are such types of fraudulent transactions:

• Skimming. Attackers read the data from the magnetic strip of the card and make its analog. They recognize the PIN code with the help of keypad overlays or mini-cameras. Then they make a duplicate and cash the money.
• Phishing. Type of fraud, as a result of which scammers recognize the login and password of users. Criminals send out emails or SMS with a link to a malicious website. Crossing it, users provide cybercriminals with all the data to access the private office on the bank's website.

That's how money is written off from the card.

Protection

Banks still take security measures to protect customers' funds. Over the past year, the number of emitted cards with chips has increased significantly. They are safer. It's harder to find a duplicate. ATMs are equipped with special devices that prevent the possibility of installing readers. And clients are constantly warned that the employees of the bank under no circumstances try to find out the PIN or CVV. But there are still many cases of fraud.

They withdrew money from the card (Sberbank). What to do?

To begin to calm down and not panic. Try to remember when you last took off your money. Perhaps the notification arrived late. Or the amount listed corresponds to the annual maintenance of the card or the payment of SMS-informing services. If it turns out that you stole money from the card, then you should be patient. The procedure for refunds is very long and laborious, but still effective.

Step one

So, the client withdrew money from the card (Sberbank). What should I do first? Block the plastic. To do this, call the call center number of the bank. It is indicated on the back of the card or in the contract. In theory, the operator can find out the amount of the balance on the account, as well as the last transactions. As practice shows, such data appear only 2-3 days after the operation. You can also block the card in the bank branch. But then you have to spend time on the road and sitting in line.

Step Two

If, from a conversation with an employee, it turns out that they have withdrawn money from the card, you should immediately go to the office and write a statement about the disputing the transaction. It should detail all the circumstances, attach an extract from the account, as well as other documents confirming the non-involvement of the client in withdrawing funds. Before drafting an application, it is worth reading the contract with the bank. It should contain an item on disputing payments, an algorithm of actions and a procedure for resolving issues.

Step Three

If the money disappears from the card, lawyers recommend writing an application to the police. Such actions should stir up the bank's security service. In theory, the police should start a criminal case and, based on the received application, withdraw the video from the ATM registrar. If the identity of the tenant was not established, then this is proof that the third person took possession of the funds. In practice, police officers must first send a request to the recipient of funds. This process can become more complicated if the recipient does not have a registration address. Requests for email law enforcement agencies do not.

Step Four

Patience and wait. If additional facts are found during the consideration of the paper, which may affect the result, then it is worth writing one more statement. In this case, the credit institution will have to send a turn-based request to the receiving bank for a refund.

Step Five

So, you have withdrawn money from the card (Sberbank). What if the bank refused to refund? Lawyers advise in this case to go to court. If strong evidence is provided (for example, the client was in Moscow, and the money was removed from the ATM from the ATM in St. Petersburg), then the victim can expect a refund.

The client lost the Savings Bank card: what to do?

The algorithm is the same as in the case of illegal write-offs. To begin with, you need to block the card and contact the office for a new one. Unused money can be received by the customer through cash in the bank or transferred to another account. Theft is dangerous because attackers can use CVV-code and pay for services via the Internet. On the back of almost all types of plastic cards is a white band for the owner's signature and 7 digits. The first 4 is part of the number, and the next 4 are the CVV (CVV2) code. It is a kind of PIN code for transactions carried out via the Internet. This code can not be used only for Visa Electron and MasterCard Maestro. These are the cheapest plastic cards, which only circulate within one country. So, the customer lost the Savings Bank card. What to do next? It would be superfluous to write an application to the police. Perhaps, the loss will be found and returned to the owner.

No less problems are fraught with the situation when the card of Sberbank was demagnetized. What to do in this case? Immediately lock the old one. The card can be demagnetized only if the customer constantly uses it: often pulls and sticks it in a pocket, purse or bag. You can not withdraw funds from the ATM using such a plastic carrier. But if it is lost or stolen, the fraudster will be able to pay for the goods through the Internet. In such situations, banks do not send SMS with a payment password, but only inform the client of the fact of writing off the funds.

The law rushes to the rescue

Effective amendments to Federal Law No. 161 oblige credit institutions to return stolen funds provided that the bank can not prove that the customer has violated the rules of using the bank card. Here you need to pay attention to this nuance. The credit institution is obliged to refund the funds if the client reports that they have withdrawn money from the Savings Bank card no later than the day after receiving the notification from the transaction from the operator. In case of violation of the specified period, the bank shall be responsible for the transfer. From this point of view, the client should also make use of the evidence base. After communicating with the operator by phone, you should send an email to the bank indicating the reason for the request, the exact amount of the written-off funds, the fact of the operator's prior notification.

The percentage of impious card holders is high. Banks perceive the new law with hostility. Institutions are forced to expand the security staff. Payment for the services of qualified IT professionals is expensive. Banks are sounding the alarm, are suffering losses and are trying to find a way out.

The law says that the credit institution must notify the client of the write-off of funds. But it is not specified exactly how and how much this service should cost. That is, even an email message from a bank about the fact of an operation can become such a notification. Using this trick, many banks have raised the cost of SMS messages, which are the fastest way to learn about the fact of writing off funds.

Another point to pay attention to. If the transaction on the transfer of funds was made without the participation of the client, and the bank did not notify the cardholder about it, then he is obliged to reimburse the entire amount spent.

At the same time, there is a wording in the law that can be interpreted in two ways. It says that the bank is not responsible for the transactions carried out if it proves that the customer has violated the rules of using the electronic means of payment. This can include anything you like, right up to storing the card in the fridge.

Nine Ways to Secure Money

• Take off cash only in the offices of banks. There are cameras everywhere. Attackers will not be able to unknowingly install a reader on the ATM.
• Write down the phone of the call center of the bank to the mobile. If you lose the card, immediately call this number.
• If you can not remember the PIN, store it in the phone's memory with the code name.
• Set an SMS alert to instantly learn about all the movements of funds on the map.
• Pay for services only through trusted sites. The browser string should start as follows: https: //.
• Never and do not tell anyone the PIN and CVV-code of the card.
• The login and password from the personal cabinet on the bank's website should not be stored electronically.
• For all questions about illegal withdrawal of funds from the card, you should call by the number indicated on the card, and not in SMS.
• Keep the fixed assets in a separate account, and transfer only the money for current expenses to the card.

Conclusion

Although banks are taking steps to protect customer funds, scammers still have several ways to withdraw money from the card. In recent years, this type of operations has become very popular, such as phishing - sending messages with a link to a malicious website. Crossing it, the client provides scammers with a password and login from the cabinet on the bank's website. Having received these details, the attacker can use other people's resources. Prove the illegality of operations is quite difficult. No less problems arise if the Savings Bank card was stolen. What to do in this case? Block the payment instrument, order a new issue, and file an application to protest the last transaction.