In recent years, there has been a significant increase in cybercrime attempts against customers using online banking services and mobile banking apps. The techniques used by fraudsters are increasingly sophisticated and aimed at tricking customers into handing over their personal data, login details, device codes and payment card data.

The main methods of fraud include:

• Phishing: the fraudster sends an e-mail purportedly from the recipient’s bank orother trusted parties encouraging the recipient to log in immediately, verify data orupdate their personal information.
• Smishing: uses text messages containing links to fraudulent sites or numbers tocontact.
• Vishing: uses phone calls from fraudulent bank operators or technicians to trickcustomers into providing sensitive information or authorising transactions.
• Spoofing: forgery of the bank’s telephone number or e-mail address to make thecommunication seem authentic.
• Malware and fraudulent apps: malicious apps installed on smartphones, tabletsor computers that allow criminals to control the device remotely, intercept textmessages, notifications, OTPs and banking transactions.
• Quishing: use of QR codes that redirect to fake sites designed to steal personaland banking data.

The fraud generally occurs when the customer:

• opens a link in an e-mail, text message, WhatsApp message or social medianotification;
• downloads unofficial apps;
• enters their credentials on fake websites;
• provides their OTPs, PINs, passwords or authorises transactions requested byfraudsters.

The stolen information is immediately used to carry out unauthorised transactions, transfers or payments.

To protect yourself against fraud, please take the following actions:

1. guard your login details with the utmost care, avoiding saving them onunprotected browsers, devices or apps.
2. use strong passwords, different for each service, consisting of upper- and lower-case letters, numbers and symbols.
3. change passwords regularly and do not share them with anyone;
4. always access online services from the portal www.bancafinant.it.
5. access online services solely by typing the bank’s official web address directly into the browser or using the official App downloaded fromauthorised stores;
6. always check that the web page is secure by checking for the “https” protocoland the (padlock) symbol in the address bar;
7. be wary of links received via e-mail, text message, WhatsApp or socialnetworks, even if they seem to have been sent by the bank;
8. do not authorise transactions requested over the phone by alleged bankoperators;
9. always keep the operating system, browser, antivirus software and apps installed on your devices up to date;
10. only download apps from official stores (Apple App Store and Google PlayStore);
11. avoid using public or unsecured Wi-Fi networks to carry out bankingtransactions;
12. activate the push notifications for transactions made available by the bank;
13. check your current account balance and transactions at regular intervals;
14. be particularly wary of urgent requests, threats to block accounts or promises of rewards and reimbursements;
15. do not allow operators or third parties to install software on your devicesremotely.

It is also advisable to:

• enable multifactor authentication (MFA) where available;
• always close the Internet Banking session using the “EXIT/LOGOUT” button andthen close the browser or App.

WARNING: The Bank will never ask you to enter login details such as your user-id, password, OTP or to authorise banking transactions by e-mail, text message, telephone or messages on messaging apps.

If you have any doubts, receive any suspicious communications, or notice any strange activity in your account, if you believe you have been scammed, suffered a cyber-attack, or simply for more information, please call the Help Desk at:

Freephone Help Desk number (from Italy) 800298357
Help Desk number from abroad +39 051 4992170 
Banca Finnat customer care number 06.69933474 (Mon – Fri, from 08:30 to 18:00).

We are always at your disposal at our premises in Rome, Milan and Novi Ligure.
Finnat Gestioni and Natam are located in Lugano and Luxembourg.
Contact us by phone, e-mail or through our app