OTP fraud: In today’s time, cases of cyber fraud are increasing rapidly. Earlier people used to think that unless they shared their OTP with someone, they could not withdraw money from their bank account. But now cyber criminals are adopting new methods. In many cases, people did not tell the OTP to anyone, yet money went missing from their accounts. Therefore, it is important to understand how this happens and how it can be avoided.
Clicking on fake link may prove costly
Cyber thugs often send fake messages in the name of bank, electricity department, courier company or government scheme. A link is given in these messages. As soon as a person clicks on that link, he reaches the fake website. If bank account, card number, password or other information is filled there, then fraudsters can misuse that information. Therefore, before clicking on any unknown link, please check it.
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Screen sharing app can also cause fraud
Many times fraudsters call pretending to be bank employees or customer care officers. They say there is a problem with your account and you need to download an app to fix it. This app is a screen sharing app. When the user downloads it and gives permission, then the fraudsters can see the phone screen and get banking related information. Therefore, do not download any such app on the advice of any unknown person.
Beware of fake banking apps
Nowadays many fake banking and payment apps are also available on the internet. These look exactly like the real app. If a person downloads these, his personal information can be stolen. Always download bank or payment apps only from official app stores.
SIM Swap Fraud is also becoming a threat
Some cyber criminals use SIM Swap Fraud. In this they somehow try to capture the mobile number. If this happens, the messages and OTP coming from the bank can reach them. If suddenly your phone’s network shuts down or the SIM stops working, contact your mobile company immediately.
What to do if money is deducted from the account?
If money is withdrawn from your account without your knowledge, then first of all call the helpline of the bank and get your card and net banking blocked. After this, complain on 1930 cyber helpline or file a complaint on the National Cyber Crime Portal. Complaining early can increase your chances of getting your money back.
Pay special attention to these things
Do not click on any unknown link. Never share OTP, PIN, or password on the phone. Download official apps only. Keep your phone and banking apps updated from time to time. If a call or message seems unknown, do not trust it immediately. By doing this you can be cheated, so keep all these things in mind
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