Fraud attempts will continue in 2025!
Do you recognize the telltale signs? We show you the most common fraud attempts this year.
The phisher usually attacks with a seemingly official email, text message or phone call to direct you to a website similar to your previously visited ones and asking for your personal and banking details.
Never click on a suspicious link from an unknown source and only give your data on websites you know well, and which address you have entered in your browser. You can check if you are on an official website by looking at the address of the website, which should contain the official name of the company and should end with '.hu', for example (https://www.cib.hu).
Pay close attention, when shopping online! Online shopping is quick, easy, and convenient but it’s important to shop only on secure websites and use your credit card responsibly.
In case of psychological manipulation, or social engineering, the scammer uses emotions to get money out from you.
Fraudsters may contact you via social media, email, or phone to ask for financial support for a noble case, and then convince you to enter your banking username and password to fasten the transaction - after which they can easily access your money.
Do you recognize the telltale signs? We show you the most common fraud attempts this year.
Fraudsters call with a fake number (e.g. referring to a suspicious online transaction) in the "name of the bank". Your display may show the "real" phone number or name of the bank (whether your own or another financial institution), because fraudsters can even change the caller ID!
This type of scam is most common in social media messages or phone calls. Scammers contact you by claiming that you have “won”, but need your bank details or a specific code to send you via SMS to finalise the prize. It can be deceptive that scammers often copy profiles of influencers or sites with larger followings.
There are many different types of online shops nowadays, so it is important to always check the website where you are buying or selling: especially the company name, the location of the company, the "about us" section, the legal information and the terms and conditions. Be suspicious if these are missing or worded in a way that is not in English, if the customer service is not properly indicated or if there is only a form to contact the store, and if there is no option for multiple payment methods (e.g. cash on delivery).
Fraudsters exploit the fact that everyone wants to find the investment that will give them the highest returns. This is why they often pose as investment advisors or salesmen.
Another form of phishing is to have your bank card digitised (tokenised) in Apple Pay or Google Pay on your behalf to access the money in your bank account associated with your bank card. In addition to your bank card details (card number, expiry date and CVV code), a critical element of the digitisation process is the activation code sent by the bank to the phone number you have provided to the requesting bank in the form of an SMS. This message will specifically indicate whether the code is being sent to initiate the Apple Pay or Google Pay registration process. If this code is given to an unauthorised person, the registration can be successfully closed, so it is very important that if:
Important information
If you receive an e-mail or message with suspicious content sent on behalf of CIB Bank, please contact us on (+36 1) 4 242 242 (button 9 in the menu) or by e-mail at cib@cib.hu.
CIB Bank regularly contacts its customers by e-mail and telephone, but we never ask them to do the following:
If you receive a suspicious e-mail or message sent on behalf of CIB Bank, please contact us on (+36 1) 4 242 242 (button 9 in the menu) or by e-mail at cib@cib.hu.
In the event that your bank details are disclosed to unauthorised persons, please take immediate action as follows:
If the data required for access/transaction approval has been compromised, please take immediate action:
CIB Bank Mobile App, CIB Bank Online and CIB Business Online:
For CIB Bank Mobile App and CIB Business Online / ViCA application:
In all cases, please use the latest version of the application, which is always available in the application stores. Please do not install an application from a foreign source!
Information about complaints regarding interbank and intrabank ad hoc transfer orders and unauthorized card use.
You can make a complaint through the following channels:
From the bank branches / CIB24 call centre, the central area responsible for the recall will receive the form filled in with the relevant data, on the basis of which the recall will be initiated for the given transaction, the success of the process being at the discretion of the beneficiary. If the deadline for response has expired (30 banking days for GIRO transfers, 15 banking days for SEPA transfers) and the beneficiary's bank has not replied or the funds have not been returned, our customers with an electronic channel will be informed by push message or, in the absence of an electronic channel, by postal letter of the failure of the recall.
Section I. of the form contains the details of the transaction to be recalled and must be completed for each recall.
In the case of phishing, i.e. if you are requesting a recall of a transfer order that you have not authorised/recognised, you must also complete section II. and include a complaint.
In the case of phishing, we also recommend that you report the fraud immediately to the police, as your report will give the police authority the right to investigate and thus have the opportunity to detect the fraudsters and take any necessary measures. Our Bank will cooperate with the police if requested to do so and will provide them with all the information necessary for a successful investigation.
Further information is available on the following page (in Hungarian)
If you notice a block or a debit on your account due to unauthorised card use, you have the possibility to make a claim.
In all cases, you can lodge a complaint with the bank that issued the card.
It is possible to submit a claim for both blocked and debited items, but please note that, according to international card-issuing rules, debits following a successful authorisation request must be accepted by the issuing bank and cannot be prevented.
Furthermore, we would like to inform you that issuing banks can only claim for transactions that have already been debited.
We therefore ask you to block or debit your card immediately whenever you detect a block or debit resulting from unauthorised card use. You can make a complaint through the following channels:
The time limit for the investigation of the claim is 15 working days, according to the MNB Regulation 46/2018 (17.12.2018), however, in cases where our Bank has the possibility to contact the acquiring bank for the financial settlement of the disputed transactions, our Bank is not able to complete the investigation within the above mentioned time limit due to the time limits imposed by the card company rules, i.e. compliance with external rules. In these cases, the maximum investigation period is 120 days.
Further information is available on the following page:
Some tips on how to avoid abuse.
Set a daily purchase and cash withdrawal limit for your card that matches your shopping habits, while being safe and convenient!
Set a daily purchase and cash withdrawal limit for your card that fits your shopping habits, while being safe and convenient.
You can find card-related functions by clicking on "Cards" in the main menu. Activation can be initiated in the mobile app on the cards to be activated by pressing a green "Activate" button.
CIB24 - Nonstop telephone customer service
(+36 1) 4 242 242
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