Let's take care of your online safety together!

The fraud attempts will continue in 2024! Can you spot the tell-tale signs? Here are the most common fraud attempts this year:

"Bank" call:

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!

• It is IMPORTANT to know that other financial institutions (if you do not have a bank account there) CANNOT know your phone number and that the customer services of different banks CANNOT be connected!
• Do NOT give out your bank details or install any other application on your devices (e.g. AnyDesk, RustDesk, TeamViewer)!

Online giveaway:

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.

• It is IMPORTANT to know that you do NOT need to download, approve or enter an approval code to make a transfer!

Fake online sales:

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).

• They are also copying existing websites! Always check the web address, the amount and the name of the beneficiary company in the payment authorization!
• If you are selling, the most important thing is that the buyer does not need any personal or other identification other than the account number!

"High-yield" savings:

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. 

• Be suspicious if you are offered an investment that promises "temptingly high returns", "high short-term returns" , often with the name of a well-known person.
• DO NOT install a third-party application on your devices and DO NOT transfer a registration fee!

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:

• You did not request to have your bank card digitised (Apple Pay/Google Pay) and therefore did not ask for an activation code to digitise your bank card, but you received one on your phone via SMS, do not give it out verbally or in writing on any platform, as this could give fraudsters access to your money. 
• In addition, if you receive an SMS with an activation code that you did not request, you should immediately call our 24-hour CIB24 call centre (+36 1) 4 242 242) and cancel your card (button 9 in the menu), as the fraudsters may already have access to your card details. It is also advisable to check what websites you have visited and where you may have entered your details.

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:

• Our CIB24 call centre (+36 1) 4 242 242,
• at any bank branch
• by completing and signing the Bank Card Complaint Form below and sending it to kartyacb@cib.hu or cib@cib.hu. Please attach all documents related to the complaint to your letter at the same time as you send the form.

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:

Using your bank card, useful information

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:

• PIN code, Telephone Identification Code, user ID, login password, password generated by withkey token, codes sent by SMS, bank account details (account number, limit, balance, etc.) and bank card details. These data can only be requested directly from you via our online interfaces (e.g. internet banking, mobile application) or via the automated menu system of our CIB24 telephone customer service!
• Re-authentication/authorisation for updating certain settings or functions: in this case, we will also communicate with you directly via our online interfaces (e.g. internet banking, mobile application). 
• Installation of remote access software on the device used for online banking (fraudsters typically request the installation of AnyDesk).

• DO NOT give your bank details, instead call CIB24 customer service.

• DO NOT act quickly, do not give in to "pressure".

• DO NOT install a foreign application (e.g. AnyDesk, RustDesk, TeamViewer) on your computer or smart device.

• DO NOT give your payment details for online payments and transfers byphone, e-mail or SMS: bank account details, user ID for internet or mobile banking access, login and approval PIN.

• DO NOT start an online payment or transfer and DO NOT start downloading programs by clicking on a link you receive by SMS or e-mail.

• Please be aware that other financial institutions CANNOT know your phone number (if you do not have a bank account there) and that the customer services of different banks CANNOT be connected!

• In case of a suspicious transaction, our bank may contact you via the official CIB24 Call Centre in an identified call and will never ask you to initiate a transaction or to enter a code.

• Always read carefully if you receive a notification from our Bank via SMS (e.g. Google Pay/Apple Pay card authorisation) or in your mobile app. If you don't know why you received it, you should always call CIB24 Customer Service.

• Always enter CIB Bank Online from the official CIB website or manually enter https://online.cib.hu in the address bar of your browser. Never call up the site from a Google search.

• PROTECT your data, use the secure virtual card available in the CIB Bank Mobile App* for your online purchases.

• IF you see anything suspicious, immediately set all limits to HUF 0 in your mobile app.

If the data required for access/transaction approval has been compromised, please take immediate action:

CIB Bank Mobile App and CIB Bank Online:

• Disable your password generator:
  • Disable #withKEY (CIB Bank Mobile App)
  • Disable CIB Hard token tool

For CIB Bank Mobile App:

• If unknown software (e.g. AnyDesk) has been installed on your mobile phone, re-register your access!
• If you have been informed by the police, and if this has already been approved by the authorities, reset your phone to factory settings. 

In all cases, please use the latest version of the CIB Bank mobile application, which is always available in the application stores. Please do not install an application from a foreign source!

• Make sure the website you choose is a real provider; search for it on other websites, social media, read reviews. Try the site's customer service, check the cost of shipping goods, the complaint options and the conditions for returning goods.
• Check the provider's credibility thoroughly before you authorise regular charges to your credit card or save your card details on any site.
• Install anti-virus software on your device, change your password if the system suggests it.
• Do not save your passwords when sites offer this option.
• If you receive an e-mail with a link to an external site, do not enter your card details on the page where the link is located.
• Use a virtual payment card! This feature allows you to create a new virtual payment card for your online purchases, with a limited validity period and a separate frame for one or more uses. This will reduce the risk of online fraud with your card and ensure that your entire account will not be affected by a potential fraud.
• Back up regularly!
• Encrypt the data stored on your device.
• Set an automatic lock on the device screen.
• Use a PIN code with at least 5 digits to unlock the screen lock.
• Install virus protection.
• Be sure to regularly update the security of your multifunction devices and keep them up to date!