Is it true that it is impossible to publish the number of your bank card in the public domain?

Many Russians at least once faced scammers who tried to steal money from their bank cards. The potential loss of savings makes people reinsure, sometimes crossing the rational line. We checked whether it is enough for scammers to find out the number of your card to steal money.

Despite all the efforts of banks, the Russians annually lose huge amounts due to the actions of scammers. In 2017 from bank cards Stole almost a billion rubles, in 2019 Reached 6.5 billion per year. Almost a third of Russians I came across With the attempts of scammers to steal money from their cards, but another withdrawal of sociologists is much more frightened: 27% of respondents are ready to report almost any information about their credit or debit card in such a situation. The unwillingness to become a victim of criminals who They come up with All new and new schemes of deception leads people to the conclusion: if I do not disclose any information, I will be protected.

To conduct an operation using a bank card, you need to know its details: a 16-digit number, name and surname of the owner, validity period and three-digit security code on the back. It is these data that we indicate on the Internet when we pay for our purchases, and then we get a confirmation code from the bank in the form of SMS or Push notification in the application. Within the framework of one operation, this code can be considered the fifth element of the details.

A person who knows all the details has an absolute access to the money that is on the account, and it does not matter whether it is about the present owner of the card or about the fraudster. These data can be used both for a simple transfer of funds to someone else's card, and for purchase in an online store. At the same time, some online markets do not require the entire set of details for payment-enough card number, the owner’s name and validity period.

Is the card number enough to steal your money? These 16 digits themselves do not give access to an account, so they can easily be informed of a relative or colleague for transfer. There is nothing dangerous to pay the account after dinner in the restaurant and show your friends your card so that they can transfer money to the dishes and drinks they ordered. There are more than enough card numbers for this, no other details need to be reported (or you can even ask to transfer money by phone number, modern technologies allow this).

If you publish the card number on your page on the social network, then the fraudsters can only see whose page this page is to find out your name and surname. To translite them is a simple matter, and now the attackers have two details. At the same time, do not forget that the 16-digit number of the card is much more difficult to choose a security code or the validity of the card. The first is a three -digit number, the second one is even easier to guess: the card acts from three to five years, 12 months in a year - only a few dozen options are obtained. If fraudsters manage to choose a security code and the validity of the card - these are already four out of five details, which is quite enough to make some purchases.

Finally, knowing the card number means getting an additional advantage in more complex fraudulent schemes. For example, the criminal can call, introduce himself to the bank’s employee and rub them into confidence in your card number. Further is the work of technology. In recent years, fraudsters have developed dozens of schemes, and people do not only fall into these traps not only in Russia, but also in other countries.

If you do not need to publish your card number on the page on the social network, do not do it. If such a need appears - publish (this number itself will not open access to money to fraudsters), but be extremely vigilant. Firstly, limit yourself only to 16 numbers, in no case do not reveal other data. Secondly, find out the current phone number and the email address of your bank. If the “representative of the bank” tries to contact you differently - these are criminals. In other words, share your card number only if you are sure that if necessary, you can fight off the scammers and not share the rest (much more important) details with them.

Half truth

What do our verdicts mean?

Read on the topic:

1. https://journal.tinkoff.ru/card-wars/
2. https://www.forbes.ru/finansy-i-insticii/405575-kak-moshenniki-kradut-dengi-bankovskih-kart-11 -uglavnyh-Shem
3. https://1prime.ru/finance/20201010/832141374.html