Only one mistake… and all the money will fly away from the bank account! If you want to avoid, do not do this banking fraud 2025 – StudyToper

Banking has become very easy in today’s digital era. Now you can transfer money from mobile or computer sitting at home, fill the bill, or shop online. But, the faster banking has become easier, the faster the cases of bank fraud have also increased. A small mistake and all earnings from your account can disappear in minutes. People who are victims of banking fraud often think that this will not happen to them, but a little negligence can also cause you to huge loss.

Nowadays Cyber ​​Criminals are extracting new ways, which they implicate people and blow money from their bank account. Sometimes fake calls, sometimes fake emails or messages, sometimes your information is stolen by sending virus on mobile. Many times people come in greed or fear and share their necessary details, which the thugs take advantage of. Therefore, if you want to protect your bank account, then it is very important to take care of some important things.

In this article, we will tell you how a small mistake can vacate your bank account, which methods of banking fraud go the most, and what you can keep your money safe by taking care of what. Also, if the money is deducted from your account by mistake, then you will also get complete information about what to do.

How can a mistake empty your bank account

There can be many reasons behind flying money from a bank account. The most common reason is – sharing your personal information with an unknown person or website, relying on fake calls or messages, keeping a weak password, or clicking on a suspicious link. Come, let’s take a look how a small mistake can empty your bank account.

Due to banking fraud

• Relying on fake calls or sms
• Sharing OTP, PIN or Password
• Weaken password
• Download unknown link or app
• Virus in mobile or computer
• Bank details sharing with someone

Which frauds are the highest?

• OTP scam
• Fishing (fake email/website)
• Vishing (fake call)
• Sim Swap/Cloning
• ATM skimming
• Fake apps

Main Methods of Banking Fraud (Bank Fraud Types in Hindi)

1. OTP scam

Cyber ​​thugs ask for OTP by becoming a bank officer by phone or messaging you. As soon as you share OTP, money is transferred from your account. Remember, the bank never asks for OTP or password.

2. Fishing

Fishing is sent to you fake email or website, which looks like a real bank. As soon as you put your details there, she goes to the thugs and your account can be empty.

3. Vishing

This is a fake call, in which the caller calls itself a bank officer and asks for your information. Many times people give their details in fear or haste.

4. Sim Swap/Cloning

The thugs get the duplicate sim of your mobile number and start receiving OTP or alerts associated with your bank themselves. With this, they can withdraw money from your account.

5. ATM skimming

The card information is stolen by placing a skimming device on the ATM machine. Also, a camera can be installed to see the pin.

6. Fake apps

Many times people download fake apps instead of official app, which stole their bank details.

How to Protect your Bank Account)

Keep strong passwords (use strong passwords)

• Use numbers, letters and special characters in the password.
• Change the password every 2-3 months.
• Do not use the same password in many places.

Never share OTP, PIN or Password

• The bank never asks for OTP, PIN or password.
• If any phone, email or message comes, do not give your information.
• Do not share cards or bank details with anyone.

Beware of fake calls and emails

• Do not rely on calls or emails coming in the name of the bank.
• If a suspicious call comes, cut the call immediately.
• Avoid clicking on the link in the email.

Protect mobile and computer

• Always use updated antivirus.
• Do not download unknown app or software.
• Download the mobile banking app only from the official store.

Keep checking your bank statement and SMS alert

• Check SMS and email alert of each transaction.
• If you see a suspicious transaction, inform the bank immediately.
• Must see the bank statement from time to time.

Do not do banking on public wifi or computer

• Do not do banking with public wifi or cyber cafes.
• Always do banking online from your personal device.

Take care while using cards

• Always get the card swipe in front of you.
• When adding a pin, cover the keypad by hand.
• Do not share the card details with anyone.

What to do when you have fraud? (What to do if money is stolen from your bank account)

If the money is deducted from your account or if there is a fraud, do not panic. Follow these steps:

• Immediately complain to your bank’s customer care or branch.
• Lie a complaint with a cybercrime helpline or police.
• Take a copy of the complaint and ticket number.
• Also inform the bank in email or writing.
• If you complain within 3 days, the money can be returned according to the RBI guideline.
• The sooner you complain, the greater the chances of getting the money back.

Important tips for safe banking to avoid banking fraud

• Do not click on any unknown link or app.
• Keep banking apps in your mobile with password or fingerprint.
• Do not share your bank details on social media.
• Follow the security advisory coming from the bank.
• Get the passbook updated from time to time.
• Keep updates in the mobile number and email bank, so that all alerts keep getting.
• If you give for mobile repair, then logout the banking apps.

General Question about Banking Fraud (FAQ)

What to do if you accidentally transfer money to wrong account?

• Immediately inform your bank.
• Give transaction details to the bank.
• The bank will contact the person whose money has gone to the account.
• If the person in front is ready to return the money, then the money can be returned.
• If he refuses, you can complain to the police or court.
• So always enter the account number and IFSC code carefully while transferring money.

New methods of banking fraud (Latest Bank Fraud Tricks)

• Screen sharing apps: Thugs download the screen sharing app and control your mobile or computer.
• Fake Customer Care: Fake bank customers on Google or search engine implicate people by putting a customer care number.
• Sending fake scheme in the name of cashback or lottery.
• QR Code Scam: You can deduct money from your account by scanning.

Bank’s responsibility and RBI guideline

• If the bank’s mistake is frauded, the bank will have to return the money.
• If your mistake is done, you may have to bear the loss.
• The entire amount can be returned on complaining within 3 days.
• Complaint in 4-7 days will have to bear the loss of up to Rs 25,000 itself.
• The customer is responsible for up to Rs 5,000 in the Zero Balance account.

Conclusion

Digital banking has made our life easy, but a little carelessness can cause you great harm. Always be cautious, do not share your bank details with anyone, keep a strong password and keep an eye on every alert related to banking. If someone gets fraud, do not panic, immediately inform the bank and the police. Remember, your vigilance is the greatest security of your money.

Disclaimer:

This article is only for information. Always follow the bank and RBI guidelines to avoid banking fraud. No bank ever asks for OTP, password or PIN. If you have fraud with you, complain immediately. Be sure to check it before relying on any scheme or call. Banking fraud cases are increasing, so it is most important to be vigilant.
This is not a new plan or scheme, but an article written for awareness.