Fraud Mode and How to Avoid it

Skimming

Attempt to steal your Customer personal data by illegally copying information contained at credit card or debit magnetic stripe.

What to do to avoid skimming:

• Make sure you already use Maybank ATM/Debit with chip technology.
• Prioritize using Maybank ATM. It is recommended to use ATM located in branch.
• When pressing PIN number, please cover it with your hand and always be cautious with surrounding people or situation.
• Change your PIN periodically.
• Check your balance and activities regularly. If your found any transaction happened without you knowing, immediately report it to the Bank. Make sure Bank already had your updated personal data  such as phone number, because authorization code will be sent to your phone number.

Phishing

Attempt to steal through email and internet site sent to a lot of people with the purpose that Customer will give their personal data

What you can do to avoid it:

• Make sure you are login into or accessing information from official and reliable website. Ensure that the website is starts with https:// …. (notice the “S”) not http:// …. “S” was the sign that the website is protected by encrypted data.
  - Corporate Website Maybank : https://maybank.co.id
  - M2U ID Web (Internet Banking) : https://m2u.maybank.co.id
  - M2E untuk Nasabah Korporasi : https://m2e.maybank.co.id
• Install security software and keep updating the antivirus.
• Avoid online banking access using  public Wi-Fi.
• Never click a link or downloading attachment if you receive email containing prizes information. Before you click a link found on the email, point your cursor to the link and ensure that the link is sent by the sender.

SIM Swap

Attempt to access your banking transactions by duplicating or takeover your mobile phone SIM card illegally by someone irresponsible .

What you can do to avoid it:

• If your mobile phone suddenly stops working, no data, no text messages, no phone calls, immediately call your mobile service provider.
• Immediately call Bank representative and mobile service provider if you find SIM Swap indication.
• Do not publicize your mobile number or your email on social media. Use different mobile number or email address for banking purposes.
• Always check and read SMS or email notification sent by Bank.
• Do not click any untrusted link that your received from SMS or email.

Transfer to virtual account

Fraud Schemes Using Virtual Account

Modes of fraud are becoming more prevalent and diverse, one of them is through virtual account. Always be aware of various fraudulent attempts by transferring to a virtual account:

1. Claim to be a close relative or friend.
   Pretend to know and admit that you are having a disaster or a desperate situation, and need funds in a hurry.
2. Fake investment offer
   Offering a promising investments with fantastic profits and invite participants to transfer a certain amount of funds through virtual account.
3. Shopping in e-commerce or unknown online stores
   Shop through social media/ online store/ e-commerce and require payment outside the official payment method.
4. Fake lottery
   Be wary if there is a phone call or message, stating that you have received a lottery prize and are asked to transfer some funds and request banking data for some reason.