An increasing number of people prefer to pay for purchases not with cash, but with a bank card, because with it you can both purchase in online stores and make online transfers. Also, with the era of debit cards, salaries in envelopes have disappeared, and the employer can send the amount due to a bank account. But, alas, sometimes money from a bank card can disappear much faster than if they were stored in a wallet.
Many Sberbank cardholders have a personal mobile phone number linked to their current account, on which, as usual, the Mobile Bank service and the Sberbank Online service are connected. This allows the bank's clients to always be aware of the latest monetary transactions made from the card, as well as to monitor the balance of the personal account.
It would seem that with such a reliable security system as that of Sberbank of Russia, the leader of the banking sector, holders of debit and credit cards can sleep peacefully, but that was not the case! Sometimes phishing calls and sms-ki of fraudsters arrive on a mobile phone, who pretend to be bank employees and, by hook or by crook, find out strictly confidential information: card number, expiration date, holder name, CVV code, login and password from online services of "Sberbank". A person who believes in the sincerity of the thief's words may subsequently find himself leaking money. So what if you are robbed?
First thing
As soon as you find unfamiliar transfers of funds in the history of your card transactions, you must immediately block it. This can be done using the interface of "Sberbank Online" and the option "Block card" next to its number, as well as by contacting the operator at the hotline numbers: +7 (495) 500-55-50 or 8 (800) 555- 55-50.
After your bank account has been blocked, you need to contact the nearest Sberbank branch to file an application for fraud. To do this, you need to have a passport with you and, preferably, a printout of the latest transactions made with the card. The bank employee is obliged to record your request and submit it for further consideration. If the stolen amount was large enough, then you should not limit yourself only to a statement drawn up at the bank, but additionally you need to contact the police and notify them of the incident.
What to do next?
The next day after filing a request for a refund, you should receive an SMS with the registration number of the request. By calling the hotline of Sberbank of Russia and giving these numbers, you can always find out the final decision on your issue. Usually, the consideration of cases of theft from bank cards takes from a week to a month. In most cases, the money stolen from the account can be returned in full.
If there is money left on the bank card after the fraud
In the event that fraud has spread not to all of your finances, but only to part of them, you will most likely want to withdraw the balance from your bank account. This can be done at any branch of Sberbank by appearing in person, presenting your passport and stating the desired amount for withdrawal.
In addition, after blocking the card, you can apply for a reissue, and the new bank card will be linked to your current personal account. The returned money will also be transferred to it.
