What is it?

Deepfakes are videos or audio recordings made using artificial intelligence (AI) that perfectly mimic the voice, face, and gestures of a well-known person.

How does it work?

- Scammers create convincing media content in which public figures, leaders, or close relatives recommend investments or ask for financial help.
- The videos are well made – with high-quality image and sound, persuasive language, and massive distribution on social media.
- Sometimes, the voice sounds just like your boss or a close relative.
- The goal is to convince you to click on fraudulent links, share confidential data, or even transfer money to the scammers' accounts.

How can you protect yourself?

- Don't blindly believe what you see online, no matter how authentic it may seem.
- Pay attention to details: unsynchronized blinking, stiff facial movements, robotic voice, sound out of sync with the lips.
- Confirm directly with the person in question if you have received a suspicious audio/video request.
- Do not access unknown links and do not fill in confidential data.
- Do not provide your card details, CVV code, passwords received via SMS, or Google Pay/Garmin Pay enrollment codes.
- If you have suspicions or have disclosed confidential data, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking app.
- Activate SMS Banking and OTP Internet & Mobile Banking to protect yourself.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

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What is it?

It is a scheme whereby scammers try to convince you to invest money in fictitious businesses, promising you large and quick returns without any risk.

How does it work?

- Scammers promote "safe investments" on social media (Facebook, Telegram, etc.), usually in cryptocurrencies or trading platforms.
- You are asked to fill out a form with your personal and banking details.
- You receive a call from a "broker" or "specialist" who convinces you to invest a small amount, then continue with larger and larger amounts.
- You are asked to install applications, access links, or send copies of documents.
- The "earned" balances are fictitious—the scammers only simulate profits to encourage you to invest more.
- The money goes to "money mules" who withdraw it and transfer it further, losing track of it.

How can you protect yourself?

- Be skeptical of offers that promise quick riches.
- Do not fill out questionnaires with personal or banking information.
- Do not agree to install applications at the request of an unknown person.
- Refuse to send copies of documents or disclose passwords.
- Do not make transactions based on someone's instructions over the phone.
- If you have suspicions or have disclosed confidential information, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking application.
- Activate SMS Banking and OTP Internet & Mobile Banking for additional protection.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

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What is it?

This is a type of emotional fraud through which scammers gain your trust.

How does it work?

- You are contacted on social networks, WhatsApp, Messenger, Viber, etc.
- Communication becomes increasingly personal, and trust is built over time—sometimes weeks or even months.
- Once an emotional bond is established, the scammer asks you for money or bank details under the pretext of an emergency: illness, accident, financial problems, or help for a humanitarian cause.
- Requests become more frequent and the amounts increase progressively.
- In some cases, victims end up transferring money to other victims, unaware that they are involved in a fraud scheme.

How can you protect yourself?

- Verify the identity of people you come into contact with online by requesting additional information or checking their profile information.
- Do not disclose personal, banking, or financial information to strangers.
- Be skeptical of urgent requests for money and be wary of excuses to avoid meeting in person.
- Use online social media platforms with caution and avoid disclosing personal information.
- If you have suspicions or have disclosed confidential data, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking application.
- Activate SMS Banking and OTP Internet & Mobile Banking to protect yourself.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

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What is it?

A common scam where you receive a text message or message with a link to "correct the parcel delivery address."

How does it work?

- The message contains a link that leads to a fake website imitating Moldova Post, Nova Poshta, etc.
- You are asked to enter your card details and pay a symbolic "fee" (e.g., 5 lei).
- After entering your details, an "error" appears, and your details are already compromised.
- If you have also entered your card registration password in Google Pay or Garmin Pay received via SMS from the bank, scammers can use your card to make fraudulent transactions.

How can you protect yourself?

- Do not access links in suspicious messages and do not enter your card details on unknown or unverified websites.
- Do not disclose your bank card details (card expiry date, CVV code, available account balance, and security passwords received via SMS from the Bank) or activation/enrollment codes for Google Pay or Garmin Pay to anyone.
- Request details from the courier company if you are actually expecting a package.
- If you have any suspicions or have disclosed confidential information, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking app.
- Activate SMS Banking and OTP Internet & Mobile Banking for additional protection and to monitor any transactions/the status of your accounts.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

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What is it?

It is a method of fraud whereby scammers pose as buyers interested in your products posted on classifieds websites.

How does it work?

- After you post an ad on platforms such as 999.md or makler.md, you are contacted via WhatsApp, Viber, or Telegram by people who claim to want to buy the product.
- The person proposes a "secure delivery method" and sends a link to a fake website that imitates Poșta Moldovei, Nova Poshta, where they ask you to fill in your bank card details.
- Once you enter your details, the scammers use this information to withdraw money from your card.
- They may insist or pressure you to enter the details "as soon as possible."

How can you protect yourself?

- Do not disclose your personal and bank card details to anyone.
- Do not access links received from unknown persons and do not enter your card details.
- End the conversation immediately if you notice anything suspicious.
- If you have suspicions or have disclosed confidential information, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking application.
- Activate SMS Banking and OTP Internet & Mobile Banking for additional protection and to monitor any transactions/the status of your accounts.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

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What is it?

This is a form of fraud whereby someone obtains and uses your personal data without your consent to access financial resources, open accounts, or contract services in your name.

How does it work?

- Your data can be collected from social networks, unsecure applications, or fake online forms.
- This data can be used to create fake profiles, commit online fraud, or gain access to other sensitive information.

How can you protect yourself?

- Check that the website is secure before entering your personal data.
- Avoid posting too much personal data online and check your privacy settings regularly.
- Enable two-step authentication on your online accounts.
- Set complex and different passwords for each account.
- If you have any suspicions or have disclosed confidential data, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking app.
- Enable SMS Banking and OTP Internet & Mobile Banking for additional protection and to monitor any transactions/the status of your accounts.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

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What is it?

People who transfer illegally obtained money to other people and other accounts in exchange for a commission, with the intention of covering the real beneficiary's tracks.

How does it work?

- You receive an offer for an "online job" via social media or email.
- You are asked to open a bank account or use your own account to receive and forward money.
- The money comes from fraud, and you become the intermediary (mule), receiving a commission.

How can you protect yourself?

- Do not open bank accounts for unknown persons.
- Refuse any offer involving receiving and transferring money, and do not respond to messages or calls promising you money for transactions on behalf of other persons.
- If you have suspicions or have disclosed confidential information, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking application.
- Activate SMS Banking and OTP Internet & Mobile Banking for additional protection and to monitor any transactions/the status of your accounts.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

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What is it?

This is a method of manipulation whereby you receive a call from someone claiming that a member of your family has had an accident and urgently needs money.

How does it work?

- Scammers call from a hidden number, introducing themselves as police officers, lawyers, or doctors, and say that a close relative has been involved in a serious accident and needs urgent "help."
- You are asked to transfer money to an account or hand it over to an intermediary.
- The emotional pressure is high, and the call is urgent and alarming.

How can you protect yourself?

- Hang up immediately and contact the relative in question.
- Do not transfer money or provide personal or financial information.
- Notify the police immediately.
- If you have suspicions or have disclosed confidential information, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking app.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

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What is it?

This is a type of scam where you receive an email telling you that you are the heir to a huge fortune, but in order to get it, you have to pay a "fee."

How does it work?

- The message comes from a supposed lawyer.
- The story sounds credible: a deceased millionaire with no relatives and the same surname.
- You are asked to make a transfer to an unknown destination: "commission to receive the inheritance."
- After you send the money, the person disappears, and there is no inheritance.

How can you protect yourself?

- Verify the identity of people you come into contact with online by requesting additional information or checking their profile information.
- Do not disclose personal, banking, or financial information to strangers.
- Be skeptical of messages with exaggerated promises and do not send money for "inheritances" from strangers.
- Report the fraud scheme and any doubts about the authenticity of an online person to the authorities to help identify the criminals.
- If you have suspicions or have disclosed confidential information, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking application.
- Activate SMS Banking and OTP Internet & Mobile Banking for additional protection and to monitor any transactions/the status of your accounts.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

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What is it?

This is a scheme in which you are promised quick and affordable credit, but you are asked to pay "fees" in advance, without the loan actually existing.

How does it work?

- You are contacted by email or social media and offered a loan with no credit check, and you are asked to pay fees in advance to cover the "administrative costs" of the loan application.
- In fact, there are no financial institutions behind these "loans." The amounts are sent to several different accounts, and after payment, the fraudsters disappear.

How can you protect yourself?

- Be cautious about attractive credit offers that require minimal information and documentation.
- Check the identity and reputation of the company before accepting any offer.
- Take a break and analyze the situation before transferring any money.
- If you have suspicions or have disclosed confidential data, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking application.
- Activate SMS Banking and OTP Internet & Mobile Banking for additional protection and to monitor any transactions/the status of your accounts.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

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What is it?

Vishing (voice phishing) is an attempt at fraud over the phone. Scammers call and pretend to be employees of a bank or mobile phone operator in order to obtain confidential data or convince you to make a transfer.

How does it work?

- You receive a seemingly legitimate call from a number that looks like a call center number.
- The scammers introduce themselves as bank employees and say that a suspicious transaction has been made from your account and that you need to "save your money" by transferring it to a "secure" account.
- They ask for your card details, security passwords, and details about your available balance in order to block the transfer.
- If they receive the requested card details and security passwords, the money is withdrawn from your account via P2P transfer or online payments.

How can you protect yourself?

- The bank will never ask you to disclose your card details, secure passwords sent by SMS, access passwords, or transfer funds to an account, regardless of the pretext.
- Be vigilant and treat with suspicion any call asking for personal information, even if the phone number resembles that of the Bank, or if you are contacted by the Bank Security service.
- If you receive phone calls asking you to provide personal data, hang up and contact the bank, preferably using a different phone than the one you were called on.
- Be cautious with unknown callers! It is recommended that you set all calls from unknown numbers to be blocked or redirected to voicemail.
- If you have any suspicions or have disclosed confidential information, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking app.
- Activate SMS Banking and OTP Internet & Mobile Banking for additional protection and to monitor any transactions/the status of your accounts.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

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What is it?

Smishing is an attempt at fraud via SMS messages, which urge you to access dangerous links or send personal data.

How does it work?

You receive an SMS with a tempting or alarming message, such as: "You have won a prize!", "Confirm payment" or "Your transfer is pending."
- The message asks you to provide personal and banking details: card number, expiration date, CVV/CVC2 code, security passwords, etc.
- Sometimes, scammers pose as buyers interested in products advertised on platforms such as 999.md or makler.md and ask you to send your card details "to transfer the money."
- Other situations involve messages sent from fake accounts of friends or acquaintances (on social networks) asking for financial help or bank details.

How can you protect yourself?

- Do not send personal data, card photos, or secure login details and passwords to other people/phone numbers or via messages on social networks.
- Do not click on suspicious links to make transfers or pay deposits/advances.
- If you have suspicions or have disclosed confidential data, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking app.
- Activate SMS Banking and OTP Internet & Mobile Banking for additional protection and to monitor any transactions/the status of your accounts.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

Report fraud

What is it?

Phishing is a method of fraud via email or SMS, in which identification or authentication data is requested, or users are encouraged to access links for the purpose of confirming their data.

How does it work?

- You receive a message that looks identical to those you receive from the institution you work for, using language that suggests urgency or obligation, and often comes from supposed authorities or management to influence immediate action.
- The message may contain a link that directs you to a fake website, but one that looks almost identical to those of banks, where you are asked for personal and authentication data, such as: first and last name, address, card number, expiration date, CVV code, security passwords, personal identification number, mobile phone number, etc., which are then used illegally by criminals to carry out transactions in your name.

How can you protect yourself?

- Do not click on links in suspicious emails and do not make payments on unknown websites.
- Check the sender's address – OTP Bank only sends emails through the @otpbank.md domain.
- Check for spelling mistakes: phishing messages often contain errors, as the criminals are not always native speakers or have used an automatic translation system such as Google Translate, which does not always translate correctly.
- Do not disclose your bank card details (card expiry date, CVV code, available account balance, and security passwords received via SMS from the Bank) or security codes to anyone.
- If you have accessed links or downloaded files from such emails:

- Change your passwords for online applications and accounts on a device other than the one you used to access the email.
- Install licensed antivirus software on your PC or laptop for additional protection.
- Forward the message as soon as possible to SectiaSecuritateaCardurilorBancare@otpbank.md and ssi@otpbank.md to help identify the perpetrators of the attack.

- If you have any suspicions or have disclosed confidential data, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking application.
- Activate SMS Banking and OTP Internet & Mobile Banking for additional protection and to monitor any transactions/the status of your accounts.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

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What is it?

Skimming is a type of fraud in which card details and PIN codes are illegally copied using devices discreetly installed on ATMs or POS terminals (card readers known as skimming devices, small spy cameras, and fake PIN keypads). The information obtained in this way is used to create copies of the card and carry out transactions without your knowledge.

How does it work?

- Criminals install special devices on ATMs or POS terminals that capture information from the card's magnetic strip and the PIN code.
- The stolen information is then used to reproduce counterfeit/fake cards and carry out fraudulent transactions.
- In some cases, the devices transmit the card and PIN data via Bluetooth to a laptop at a remote location. This information can then be easily sent anywhere in the world for the rapid production of fake cards.

How can you protect yourself?

- Choose a secure ATM and do not use ATMs with excessive visual signs or warnings on them, as these are often used by criminals.
- When possible, use ATMs inside banks, other buildings, or enclosed areas, rather than those located on the street. ATMs located on the street are much more accessible to criminals.
- Ensure that people waiting in line at the ATM are at a reasonable distance from you. Be cautious of dubious offers of assistance with using the ATM, even if your card is blocked or you encounter other types of difficulties. Do not let anyone distract you. Do not carry out the transaction if there are suspicious people near the ATM.
- Cover the keypad with your hand so that your PIN code is not recorded by a hidden camera or by someone who is capturing your information. Never disclose your PIN to anyone.
Your PIN is strictly personal and confidential and should not be disclosed under any circumstances (including to block your card), not even to bank employees or law enforcement officials. For identification by the bank, only the password stated in the card application should be used.
- Examine the ATM and see if the front of the ATM looks different from others in the area (for example, it has an additional mirror on the front), has a sticky layer (possibly from a device attached to it), shows signs of vandalism, adhesive, connected devices—use a different ATM and notify the bank of your findings.
- If you visit an unfamiliar ATM that is not located inside a bank, be wary of any unusual or different appearance of the card reader. If the card insertion slot looks unusual/bulky, try to push it with your hand. If something has been glued to the real card reader, it will move or even fall off. The card or cash retention device must be glued to the card reader or ATM. If the ATM appears to have any blockages in the card slot or on the keypad, do not use it. Cancel the transaction. Never try to dismantle the suspected device.
Even if you are familiar with an ATM, pay close attention to any different or unusual features on the ATM keypad. If a fake PIN entry keypad is glued to the original one, it will appear "incorrectly attached," being moved slightly back and forth.
- Pay attention to whether there are any additional cameras installed other than the basic and obvious ones for the ATM.
- Immediately report the card being retained by the ATM. If possible, do not leave the ATM and call the bank from the ATM where your card was retained. Additionally, you can inform the local law enforcement.
Contact Center: + (373 22) 256 456, available 24/7.
- It is advisable to notify your bank about a potential risk to your account if the ATM you are using does not dispense cash, either due to a lack of cash, counterfeit cash, or the installation of cash trapping devices (a fake metal plate installed above the shutter) designed to block the release of cash. The banknotes stick to the adhesive on the plate installed over the shutter and the customer is unable to withdraw the cash. After the customer leaves, the criminal approaches and withdraws the blocked cash.
- If you use an ATM that does not belong to the bank (often at service stations and in public places), be aware of additional fees. Private ATMs that are not directly associated with the bank make a profit from commissions. If no additional fees are indicated, then the ATM may be fraudulent.
- Review your account statements for any transactions you do not recognize. While most fraud is committed very quickly, some of it does not occur weekly or monthly after your card information is captured. Frequent review reduces the potential impact of fraud.
- If you have lost your bank card, it has been stolen, or you notice fraudulent transactions in your account, immediately notify your bank of the incident to prevent any potential loss.
- If you have any suspicions or have disclosed confidential data, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking application.
- Activate SMS Banking and OTP Internet & Mobile Banking for additional protection and to monitor any transactions/the status of your accounts.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

Report fraud

What is it?

Spoofing involves sending emails with fake addresses in an attempt to obtain personal data, compromise or infect the device with malicious applications.

How does it work?

- You receive a message from an email address that is different from the sender's name.
- The email contains a link or attached file.
- The text of the message asks you to access the document or click on the link.
- The sender does not leave any contact details.

How can you protect yourself?

- Verify the identity of the person/institution from whom you received the suspicious email.
- If you receive a reply to a message you did not send, you are most likely the victim of an attack.
- Do not access links or open/download files from suspicious emails.
- If you have accessed at least one link or downloaded the file, do not enter any personal data, financial data, usernames, or passwords anywhere.
- If you have any suspicions or have disclosed confidential data, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking application.
- Activate SMS Banking and OTP Internet & Mobile Banking for additional protection and to monitor any transactions/the status of your accounts.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

Report fraud

What is it?

Scammers create campaigns (offers/contests/raffles) that are generally promoted through social media (including those marked as sponsored posts). These posts contain text and images that urge users to register for contests or raffles to receive prizes and special offers.

How does it work?

You see a sponsored post announcing a raffle, contest, or limited offer, and to participate, you are asked to share the post or, if you clicked on the link, to fill in your credit card details.
- These offers are actually fake, and products purchased through this method usually:
- Will never be delivered;
- Your bank card security details will be retained and used to initiate unauthorized transactions.

How can you protect yourself?

- Check the reviews on the merchant's website (by accessing it securely and from another device), Facebook, Instagram, and LinkedIn pages to ensure the merchant's authenticity before taking any action, especially making a payment;
- Always update the applications on your computer and any device connected to your account to the latest available version;
- Make sure that your browser, antivirus, and operating system are also updated to the latest version;
- Do not directly access any links from anywhere.
- If you have any suspicions or have disclosed confidential data, call OTP Bank immediately at 022 256 456 to block your card, account, and OTP Internet & Mobile Banking application.
- Activate SMS Banking and OTP Internet & Mobile Banking for additional protection and to monitor any transactions/the status of your accounts.

When you encounter suspicious situations, report them to us or contact us to clarify the situation.
Be vigilant, cautious, and informed!

If you have been the victim of an attempted fraud, inform us as soon as possible and request that your card be blocked.
We encourage you to write to us directly by clicking on the green button below.

Report fraud