2023-04-18 10:32:25
Tuesday, April 18, 2023, 10:32
The Bank of Spain is clear: trust, yes, but just enough. The supervisory body has wanted to clarify and answer some of the questions that generate the most concern and uncertainty in the banking field among savers. And, what happens if I give a third party my current account number? Is my money safe or can I keep my account in the red?
The Bank of Spain is aware that for many customers giving their bank account number to a third party generates not a few mistrust. And even more so if one takes into account the exponential growth experienced by the activity of cybercriminals in view of the huge profits they obtain. However, it is still a common procedure that many businesses and administrations force to carry out (for example for certain purchases, provision of services, etc.).
The clarification of the Bank of Spain
So, what can a third party with dubious intentions do if they obtain or use our bank account number for their interests? The Bank of Spain is clear: nothing. As he warns, “you can rest assured that having your account number will not allow anyone to withdraw money from your bank.”
Of course, the body establishes a caveat in which you could see your savings in danger… in part. And it is that the Bank of Spain delves into the hypothesis that friends of others can even know your National Identity Document number. «If, in addition to having your bank account number, a third party knows your ID number, in some cases he will be able to carry out a direct debit of receipts. In the event of a charge to your account, the solution is easy and fast as you can return the corresponding receipt without problems, ”the agency advances.
The Bank of Spain warns about cards
Therefore, a third party with dubious intentions will be able to pocket little or nothing only knowing the bank account number. Of course, the situation changes radically if it is done with the card number, regardless of whether it is debit or credit (each with its own particularities). In this situation, the Bank of Spain does require it to be alert.
“It is necessary to point out the implications that arise if a malicious third party has your debit or credit card number, since in this case it can sometimes cause money movements that make us victims of fraud”, keep it up.
The advice of the Bank of Spain
To avoid all kinds of scares, the Bank of Spain recommends carrying out a series of good habits:
Recommendations of the Bank of Spain
Do not write down or write the pin on a piece of paper.
Take confidentiality measures at ATMs, so that no one can see you dial the PIN.
Check bank statements regularly to detect suspicious movements.
Do not use the credit card as personal identification.
If the card is used to buy online, take all kinds of security measures (safe browsing, reliable websites, virtual cards, etc.).
Do not provide key data from your card for payment electronically (by phone, online, etc.), unless they are people or on completely trusted websites.
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