The goal is to avoid attacks of this type that can reach steal money through Bizum. Cybercriminals are always looking for a way to gain your trust and gain control of your bank accounts or cause you to make a mistake so that you give them money.
Common scams by Bizum
There is many types of scams on the Internet and we see more and more related to banks and online payments. We are going to show you the most present when it comes to Bizum. A series of scams that you could receive at any time and that we recommend you keep in mind so as not to have problems.
I have sent you money by mistake
Yes, this is possibly the most widespread scam. You will likely receive it at some point, if you haven’t already. And be careful, you can receive this message from someone relative or friend, which have been previously attacked. In fact, in these cases it is when you are more likely to end up falling into the trap and that’s where the problems come from.
What they want is for you to think that they have sent you money, which is usually not a very large amount, by mistake. For example, they could say that they were going to send it to another person with the same name, that they had bought something online, that it was a donation… And they simply tell you to return those €10, €30, €50 or whatever. Being from a friend or relative, it is possible that you do not even enter the bank account to verify it and directly make a deposit.
classic phishing
Phishing is a method widely used by cybercriminals to steal passwords all types. What do they do to scam with Bizum? They can send an SMS with some excuse, such as that there has been a problem in your account, that there is a fraudulent payment that you should review, etc. But of course, by entering from that link, you are actually giving the password to cybercriminals.
Once your access code is stolen, they start making shipments through Bizum to other accounts. There have been quite a few such cases, so you should always avoid falling into the trap. Never log in through links that come to you, even if they seem real. You should also not use applications other than the official ones.
Payment request
From Bizum, on its official website, they warn of a common attack that basically consists of receive a payment request. What happen? You may have something for sale on the Internet, with a marked price, and the buyer is interested and says that he is going to make a payment for that amount through Bizum.
The reality is that, instead of paying you money, it will send you a payment request. It means that, in reality, you are going to pay your money to that cybercriminal. If you don’t read the message correctly, you trust that he is paying you, but what happens is that you are the one who is going to send him money, even if you are not aware of it.
Payment in advance
It also happens in buying and selling on the Internet. You may see an ad for a product you are looking for at a greatly reduced price. You see it as interesting, you contact that person and they start talking to you about the fact that they have several interested parties, that they have to make some arrangement (for example, if it is a bicycle or something like that) or whatever. What you are going to do is ask you for money in advanceto make sure that you are really interested and reserve what you are selling.
Again, it’s actually a scam. You are going to send money through Bizum to that person to later buy something that will never reach you. Never advance money on something that you are going to buy online, since you will lose all right to claim and it will be difficult for you to recover the money.
Therefore, as you can see, they can use different strategies to scam you through Bizum. It is important that you always take certain precautions, that you do not fall into the trap and prevent your money from being stolen. Just as you can safely buy tickets online, it is key that you apply the same to anything.
