Telephone frauds


Select the type of fraud you would like to learn more about from the list below.

Vishing

Vishing is a combination of using “voice” and “phishing” in an attempt to scam the user into surrendering private information that will be used for identity theft. The criminal usually pretends to be a legitimate business, and fools the victim into thinking they need to:

  • Provide personal information.
  • Provide Banking information such as account/card/online banking details and authorisation codes. Remember, always read the full text provided with your authorisation code to ensure that you clearly know what the code is validating.
  • Take an “urgent action” such as logging onto a website or request to click on a link provided in a text (Smishing).
  • Allow access to a device.

Most common forms of Vishing are where fraudsters pretend to be from a Financial Institution, Financial Crime Unit, Telephone Companies, An Post, Revenue etc. However, Criminals will try any variation if they believe they will get success, even purporting to be Police asking you to transfer your money elsewhere

How to Protect yourself from Vishing

You should be highly suspicious if you receive a telephone call requesting you to provide Online login details, Credit/Debit Card, PIN, Expiration date, Bank account details, date of birth etc.

Be wary of automated calls received that request information is entered via a keypad on your telephone. If you receive such a call ensure that you hang up correctly and your line is not left open.

What should you do if you have been a victim of Vishing?

Contact the fraud department on 01 6695851 immediately.

Smishing

Smishing is a combination of SMS text and “phishing” where you are sent an SMS (or text message) that asks you to log on to a fake Open24 website or other fraudulent website via a link to update your personal and/or banking information. The criminals may then use this information to access your internet banking account. They may even ask you to provide the authorisation code provided by your bank which will allow them to validate a payment they are making in the background.

These messages purport to be from a reputable organisation such as a Bank or other service provider e.g. telephone company, Revenue, An Post. The messages are generally urgent in nature and contain a call to action.

Be alert! Remember, permanent tsb will never ask you to provide bank accounts details/credit/debit card information or logon to Open 24 via any link provided over SMS.

What should you do if you have received a suspicious SMS?

  • Do not use the link that is in the SMS.
  • Do not send any account details/credit/debit card information or Online Banking details by SMS.
  • If you have already used the link and/or entered your details, contact permanent tsb immediately on 01 6695851 or 0818 50 24 24. Review your recent transaction history. We will cancel your Open24 number and arrange a new one for you.
  • Review your recent transaction history.
  • We will cancel your Open24 number and arrange a new one for you.
 

Important Information: Remember, permanent tsb will never call, email or text you asking for: your account details, your Open24 number, Internet Password, Personal Access Number (PAN), your Visa Card CVV number or One Time Passcode. If you ever get an unsolicited phone call, email, text message or pop-up asking for any of these please contact us on 0818­ 50­ 24­ 24 or +353­ 1­ 212­ 4101.

Telephone or text “Unusual/Suspicious transaction activity

The fraudsters may provide YOU with all the information, except the one piece they want. Note, the callers may not ask for your card/account number; they may already have it. The person calling may say that they are calling from the Security/ Fraud Department at your Bank or card company. They will advise that your card has been flagged for an unusual purchase pattern, and that they are calling to verify the transaction. When you say "No", the caller will then say that they need to verify you are in possession of your card. They may then ask you for:-

  • Online banking details.
  • Personal information.
  • Account/Card details
  • 3 digit security number on the back of your card.

However, by the time you get your statement or access your account online you'll see charges for purchases or account transfers that you did not authorise.

What should you do if you have received a suspicious call?

  • Do not provide the requested information. Your Bank will never ask for your account information as they already know the information.
  • If you have already used the link and/or provided your details, contact permanent tsb immediately on 01 6695851 or 0818 50 24 24.
  • Review your recent transaction history.
  • Ensure that you hang up correctly. Call the Bank directly.
  • We will cancel your Open24 number and arrange a new one for you.

Smartphone App Scam

"Malicious spyware is disguised in a game or an application, which is then marketed to users. If downloaded, the malware steals data from the phone, such as passwords and financial details. Always check a developer is legitimate and review comments regarding the app."

Criminals purporting to be from Anti-virus companies contact customers requesting access to their PC in order clean the PC for a small fee.

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