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Protect yourself from online & mobile banking SIM Swap fraud

Protect yourself from online & mobile banking SIM Swap fraud

Emirates NBD Digital Banking Services use the latest technology standards to protect your credentials from ever-evolving digital threats. However, as customers it is equally important for you to be aware of the potential threats and take necessary actions to protect yourself.

SIM SWAP is one such threat that you need to be aware of and be careful about while using digital banking. Fraudsters try to get control of mobile numbers to obtain authorization codes sent by banks to access digital channels and authorize financial transactions. Find out what SIM SWAP is and how you can protect yourself from fraudsters.

What is SIM SWAP? How does ‘SIM Swap’ fraud happen?

SIM SWAP is where a fraudster compromises telecom operator processes and gets the SIM Card of your registered mobile number without your knowledge and authorization. In these cases, fraudsters use fake documents to get the SIM CARD and use it in their mobile handsets. This enables them to access SMS Authorization codes sent by banks for financial transactions.

There are many ways that fraudsters use to get your personal information. They may use phishing emailing or SMS techniques to get your Emirates ID/Visa or Passport number, legal name, date of birth, address and registered mobile numbers at the bank. Alternatively, they might collect your data from public websites or your social media accounts. They will then contact your service provider on your behalf to reactivate a new SIM card claiming your SIM card is lost or damaged.

As a result, all calls and text messages will be directed to the fraudster’s phone, including one-time passwords for banking transactions. After receiving a one-time password SMS, the fraudster tries to access your digital banking credentials and conduct financial transactions.

How to detect a potential threat and protect yourself?

You can protect yourself by following the below steps:

To avoid any SIM Swap fraud activity, we highly encourage you to use Smart Pass feature available through our online and mobile banking platforms. By using Smart Pass you can authorize your online/mobile banking transactions independently from your local or international telecom operator. Click here to know more about Smart Pass.

If you stop receiving calls or texts and you don't know why, check with your mobile operator immediately.

Don’t share your online/ mobile banking passwords or any other personal credentials with anyone. Remember, Emirates NBD never asks for your credentials and personal information through SMS or e-mail and never reply to e-mails or SMS that asks you to do so.

Do not install applications from unknown sources to your mobile devices or your computer. Please make sure that you are using a trusted anti-virus software to protect your devices from potential viruses and malwares.

We send all transaction details to you through SMS or email. Please keep a close eye on your financial transactions.

In case you suspect fraud or notice any suspicious transaction, call us immediately on +971 600 54 00 00, and as a precautionary measure, change your online/ mobile banking password, registered e-mail & mobile phone number with the bank immediately.

Refrain from publishing your personal details such as your phone number, date of birth or details that you have provided to financial institutions for verification purpose on any of the social media platforms.