T-Bank and T-Mobile have updated the "Protect or Return Money" service. Now it covers new types of telephone fraud that have become particularly relevant: extortion and fake investment schemes. The bank promises to return money to customers if it fails to protect them from fraud.
T-Bank protects its customers from the most common and dangerous types of telephone fraud, which account for 99% of all fraud cases in Russia. Thanks to this, the T ecosystem prevents the loss of about 2.5 billion rubles annually.
"Protect or Return Money" is a unique service that is the first on the market to provide free protection against telephone scammers. The service was launched in September 2023. During this time, it helped save 1.2 billion rubles in customer accounts. The bank returned another 12.3 million to defrauded people.
The most popular telephone fraud schemes in Russia:
Fake investments
On the Internet, scammers, posing as financial experts, offer a unique earning scheme. They promise returns of hundreds of percent per year and insist on an urgent transfer of money. Victims are offered to register in a fake personal account and transfer funds to a "brokerage account." In fact, the money is sent to the criminal's card or electronic wallet.
The Central Bank of Russia regularly identifies thousands of organizations that have signs of financial pyramids and fraudulent projects. People lose billions of rubles on them.
Extortion
Criminals claim to have information that could damage a person's reputation. As an example, they cite personal correspondence that they obtained after hacking social media accounts. The victim is forced to pay for non-disclosure of this information.
Another method of fraud is online dating. Criminals pretend to be girls and start communicating with young people. Then they call the victim on behalf of police officers and report possible problems with the law due to the fact that the new acquaintance turned out to be a minor. To solve this problem, they offer to pay a fine.
Fake employees of government agencies and organizations
Scammers call and pretend to be police officers, security officials, bank employees and large companies. Their goal is to intimidate the person and force them to reveal passwords from a bank account or give away money.
Fake job
Scammers use messengers and telephone communications to contact potential victims. They pose as representatives of large companies and offer part-time work. The working conditions seem attractive: remote format, flexible hours and a salary of several thousand rubles a day. At the same time, no special skills or education are required.
The tasks are usually simple: write reviews about establishments or like products on marketplaces. If a person shows interest, they are invited for an interview. They may be asked to turn on screen sharing and, under various pretexts, show the card details.
Another way to deceive is to demand payment before starting work. For example, they may ask you to pay for a salary card or pay for training.
Earlier, the head of the expert department of Kaspersky Lab Kaspersky GReAT, Igor Kuznetsov, said that in the future, attackers will actively use deepfake technology in voice and video messages. In addition, they will continue to create phishing emails and use banking Trojans.
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