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Phone scam

may call you directly, posing as a bank employee. They may claim to be calling from our fraud desk, for example. There are also scammers who pose as someone from a well-known company, such as Microsoft. Keep reading to find out more about phone scammers’ modus operandi.

 

Scammers’ modus operandi

Scammers may call posing as an employee of your bank. The fake bank employee will then say that there is a problem with your current account. It may have been hacked, for example, or they have spotted suspicious transactions. This is not true. It is just a way for the scammer to convince you to take measures quickly. Scammers can be very convincing, because they seem to know a lot about you. The information they have on you was often obtained through data breaches or a phishing scam. If you don’t trust it, don’t give out your details, don’t transfer any money, and report the suspicious call to us.

 

Tips to spot a fake call

  1. We will never ask you to transfer money:
    Not even into a ‘safe account’, because there’s no such thing as a ‘safe account’.
  2. We will never pressurise you into acting quickly:
    After all, whenever we suspect fraud, we’re able to block your account if necessary.
  3. Never just give out personal data over the phone:
    You never know who the person is on other end of the line, so don’t share personal data or your security codes over the phone.
  4. If in doubt, ask for a Call Check:
    What if you’re not sure who you’ve got on the line? If we call you, you can ask for a Call Check. This way, you can be sure about who’s calling you and prevent fraud. Here’s how it works:

    1.    Ask for a Call Check
    2.    The employee will send you a message in the ABN AMRO app or on Internet Banking
    3.    Log in to the ABN AMRO app or Internet Banking
    4.    You should see this message right away: 'You are talking to an advisor from ABN AMRO'
    5.    If so, you can safely continue the conversation

Money back in cases of fraud

If you’ve transferred money and it later turns out that you were scammed, banks are not under an obligation to cover the financial loss. This is because you submitted the payment order yourself. However, the banks have still decided to offer compensation on certain conditions to clients who were the victim of bank help desk fraud in the past. One of these conditions is that the victim must have reported the scam to the police. If you have fallen victim to bank help desk fraud and want to know whether you are eligible for compensation, please let us know what happened, so that we can help you.

Other forms of fraud