If you use your mobile phone to do it on-line banking, then you have to be very careful. According to HDFC Bank, one of the leading private sector banks in India, there is a new scam in which fraudsters steal money through UPI.
How do crooks steal money through UPI;
According to HDFC Bank, the scammer will initially invite and pretend your bank representative. Indeed, for being more convincing, she will do it call to look like it really comes from the bank. Then the scammer will verify some of your personal data, which have been submitted to the bank, such as name, date of birth and mobile phone number.
To get your attention, it will tell you that the banking application you use on your mobile has a problem. It can offer some solutions to solve the issues.
To make you panic, it tells you that your card or e-banking will be blocked.
The goal of the scammer is to force you to download an application, which is supposed to solve the problems that exist. In fact, this application could be «AnyDesk» or some other similar application it offers remote device control.
After downloading AnyDesk or a similar application, several licenses will be requested, as with all applications.
If you grant the licenses, the fraudster will gain full control over the phone, without knowing it.
How to avoid the trap?
People doing online banking should be very careful. Initially, it should not responding to phones coming from strangers. The employees of the bank are not accustomed to getting phones to inform you about banking applications problems.
In addition, it is important to do not give bank account details over the phone.
If you have any doubts or something strange to you, visit the branch office to make sure everything is fine.
HDFC Bank is not the only one that has warned them users. Some time ago, the Reserve Bank of India (RBI) had also talked about applications (like AnyDesk) seeking licenses. In fact, through these applications, hackers are able to gain full access to smartphone and carry out banking transactions remotely.