Key aspects of working with bank accounts in 2021
What is BA?
"BA" is an abbreviation for "bank account", which means access to the personal account of the bank in order to manage the funds stored in the accounts at its discretion by the legitimate owner of the account or carders (a person who got access to the BA illegally with the purpose of theft of funds).
What are bank logs?
Bank logs are information (data) obtained (obtained) by a hacker using malicious software called a Trojan virus with the "stealer" specification.
A hacker encrypts a certain file (pastes a stealer into it) and then begins to distribute it among a large number of users, that is, begins to infect their devices.
As soon as the stealer enters the victim's system, it begins to work stealthily and unnoticed, namely, collecting all data from the infected device and transferring it to the hacker's server.
Stealer may collect the following information:
- Full fingerprint of user device
- Login and password to the bank account and all other accounts used by the victim
- All cookies are stored in the browser. Then the carder or hacker imports them into his system and thereby emulates the look of what works from the user's "native" main device
- IP addresses that the Internet provider assigns to the user when accessing the network. Then the carder or hacker picks up a similar IP address using a proxy (socks5), vpn, RDP or ssh tunnel.
- Secret questions and answers to them to access your account, as well as a code word
- All other information and attached information from the infected device, depending on the settings of the functional features of the stealer
What types of BA are there?
Bank accounts are of 2 types:
- Corporate (business) accounts, that is, accounts registered and discussing legal organizations (firms). As a rule, they already have a good history of transactions in the bank, an increased trust limit and larger amounts in their accounts.
- Individual accounts, that is, accounts registered by ordinary citizens who use them for their daily current financial needs.
We are interested in both types of accounts, since all the money available on them can be successfully drained from them. The main difference between these types of BA is only in the limits on monetary transactions and the level of trust on the part of the bank.
What BA accounts are there?
Each bank has its own specific accounts, as well as assigns to them the possible available limits on operations and payment for services, most often the following types of accounts are found:
- Current. From which most monetary transactions
are carried out - Insurance. The account on which there is a certain insured amount.
- Credit or mortgage. Available amount of credit limit or mortgage. From this account it is not always possible to withdraw funds or transfer to another account in order to dispose of in the future, so you need to be careful and work only with accounts from which we can withdraw money.
- Card. Account linked to an issued physical debit or credit card, or an issued virtual card account.
- Children, student, bonus, etc. Account based on certain characteristics or conditions of the object.
We are interested in any accounts that we can dispose of, that is, accounts with which we can successfully replenish / transfer money to other details we need.
How can you get access to BA?
Bank accounts can be obtained in the following ways:
1. Creation of a BA self-registration according to fullka data (full data of any citizen, which will include - name, surname, address, phone, e-mail, date of birth, social security number, driver's number DL certificates, passport data or ID data).
To register self-registration, in some banks, in addition to the Full info, you need to find out (break through) additional information, which may include:
- Backgraud report (report with biographical information of a citizen), Credit Score (credit score - the level of a citizen's credit rating) , Credit Report (credit report - information about all previously issued and outstanding credit obligations) and other information.
The advanced conditions for registering a BA self-register can be found on the official websites of the banks themselves.
When registering a BA self-registration, it may be necessary to activate an account by entering data that can be sent by e-mail, phone, to a postal address with or without a physical card.
Also, to activate self-registration, in some banks, you need to pay for account maintenance, or make a minimum deposit for a certain period.
Many banks offer free account management and allow the possibility of no initial deposit, which is very suitable for us and is a promising direction for work. But in this case, we need to replenish the account by any available means, because an empty BA does not make much sense.
You can also see a pleasant amount on the account, you can create an enroll (limited BA), for this it is enough to find out the issuing bank that issued the card by the card bin and use its data to make an enroll, thereby we gain access to the funds that are present on the card account.
Subsequently, we can upgrade enroll to a full-fledged bank account, or work directly with enroll, if it allows money transfers, for example, from card to card. But for a full-fledged work with BA, in any case, if it is best to pump it in order to take advantage of all the features, functionality and benefits.
To register self-registration in online online banking without physical branches, some of them require video verification, which can be done by replacing the video image of the webcam, or you can apply for this service to the drop-channel if your personal drops are not available for these purposes and tasks.
2. Valid BAs can be obtained from the logs. For this, the stealer is encrypted and distributed, after which the necessary links in the logs are parsed and checked.
3. BA can be obtained from a brute-force, for this, using the appropriate programs, using brute force and searching through a dictionary, hackers gain access to vulnerable bank accounts, to which they managed to find a login and password, as well as questions and answers to secret questions:
4. BA with the desired balance can simply be bought from trusted sellers, specialized stores or logistic companies, who will consequently sell a bank account for a certain% of the balance and the bundle required for making a money transfer.
5. Access to BA can be obtained using phishing. To do this, a phishing page of a certain bank is created and traffic is caught up on it in all different ways, from banal spam to advertising on social networks about special bank offers and bonuses. Phishers use many tricks and their methods are very varied. The victim goes to the phishing site and enters his data - login, password, e-mail and other information, which is leaked to the phisher.
What does a complete BA set include?
- Valid login and password for the bank account
- Access to e-mail and telephony for the possibility of logging in via 2FA and making a money transfer
- Questions and answers to security questions
- Code word, certain codes required for making a money transfer (not available in all banks)
- Fingerprint of the owner's device (full fingerprint devices of the BA holder), which can be installed in the antidetect browser to emulate the appearance of a respectable account owner
- Cookies of a bank account, which must be imported into the browser to bypass the unnecessary antifraud check of the bank system
- the IP address of the account owner is needed to antifraud the bank's system saw and thought that the account was visited by the same legal owner
How can I change the contact information of the BA owner in order to make a money transfer?
It is not recommended to change the contact information of the owner of the bank account, but in order to make a money transfer, in some banks it is required to confirm it by phone or e-mail.
To do this, just log into your account and try to change the contact information to your own, and then "lay back" the account for several days, the transfer and the money transfer.
If you are unable to change the contact information in your personal account, then this can be done by calling the bank, for this we can turn to specialized services, or do it yourself, having previously prepared all the data of the account holder for verification.
If you see an amount in your account that warms your soul, but you could not change your contact information with the above methods, then a drop service comes to the rescue, which will prepare fake documents in the name of the account owner and send a drop with them to the physical department bank to change contact information in real life, or cash out on the spot. This scam only makes sense if there is a sufficient balance that suits you and the trusted drop guide.
What can you do with BA?
Having access to a bank account, we get the following opportunities:
- Submitting applications for loans from any financial institution. With a good CS and CR, you can get a loan of up to $ 50k even for self-registration, and then successfully cash it out.
- Submitting applications for government benefits, payments and benefits. Getting PUA is a separate working topic, nevertheless it continues to work successfully and bear good results.
- Issue of virtual cards (unlimited in some banks). We just issue VCCs and cash them in any convenient way.
- Issue of physical debit and credit cards with a limited limit. For example, you can order a credit card that will be issued by the bank and sent to the owner's mailing address. Drop services successfully intercept the card, send it to you for any need, or simply cash out the entire available credit limit. Many different uses can be found.
How can I cash out BA?
Cash out of bank accounts can be done in various ways and ways. Everyone chooses which one is closest to him and which one prefers:
1. We link a bank account to any crypto exchange and buy cryptocurrency (my favorite)
2. Issue (create) virtual cards, replenish their balance and make any purchases on them in Internet services and stores
3. Make a money transfer to any payment system
4. Make a money transfer to the details of the drop, which are previously received from cashing services
5. Make purchases in online stores
How not to catch a BA block?
In order to avoid blocking a bank account, you can be guided by the following principles:
- Disable notifications (alerts) by e-mail and phone to the account owner if you were unable to change his contact information
- Log in strictly from the usual IP addresses to the account
- Do not delete current cookies
- Do not make money transfers to countries with increased financial risk
- Not working from a virtual machine
- Using the bank's mobile application
How to determine how money can be sent from BA?
When you go to your personal bank account, you can go to the "money transfers" tab, thereby you will see all the possible ways by which you can send money. Usually these methods include:
- Money transfer from card to card of this bank and to another bank
- Internal bank transfer (money transfer within the bank itself)
- Bank transfer through a specific money transfer system
- Money transfer through a specific payment system
- Interbank transfer to the bank of the country of the bank
- International bank transfer, that is, to a bank of another country,
you yourself choose the desired type of money transfer depending on the bank details of the drop, which you received from the cashing services.
How to avoid the "pending" or "hold" status when making a money transfer?
In order that your money transfers do not cause additional questions and problems of financial monitoring of the bank, be guided by the following principles:
1. Study the transaction history in your account
2. Make payments for the usual amounts
3. Make payments at the usual time and dates for the account
4. Leave at least 30% of the funds on the account balance, do not try to drain everything at once
5. Make payments in small amounts and break large transfers, if account without history
Of course, each bank's fraud features work differently, and in some banks you can drain the entire amount at once, while in others you will need to wait for the payment to be manually verified by bank operations. Everything is very individual and there is no universal method.
How to determine the available limits for money transfers?
First, we study the type of account with which we plan to work, after which we proceed to the detailed information on this account and carefully study all the features and limits when working with these accounts.
In some cases, the account can be upgraded by paying a small commission or transferring money to another account with higher limits.
If you did not find the information you need in the note to the account, then go to the official user agreement or online banking service agreement and study it carefully. All limits, tariffs must be indicated in it.
If you have not received answers to your inquiries, then contact the bank's support in the online chat, e-mail or phone and get all the necessary advice. Warming up on clarifying questions will definitely not confirm, and, sometimes, it will even be on hand before a large drain.
What payment systems can BAs be linked to?
Bank accounts can be successfully added (linked) to almost any payment system. The only thing you may encounter is that you can add BAs to certain payment systems only of certain countries, or only specific banks (usually top ones).
By linking the BA to the payment system, you can replenish or withdraw money from it from the account in the payment system, that is, use the weight of its available functionality and capabilities.
How to verify BA?
Depending on the payment system or financial application where you add a bank account, it can be verified in the following ways:
1. Confirmation by 2 micro-deposits (minicom). This is the most popular way to confirm BA. To do this, the service or office writes off or sends 2 micro-amounts that must be indicated in the account. These amounts can be viewed in the transaction history in the BA, or in the payment statement. For example, this is what PayPal and other top PSs do.
The name of the owner of the payment system account must fully match the name of the BA owner.
2. In some cases, it is sufficient to indicate the name of the bank and account numbers, for example, AN / RN.
3. Selfies, photos or scans of identity documents may be required depending on the financial application or payment system.
4. You may need a receipt for housing and communal services, telephone or TV communication for the last 3 months, indicating the address of residence.
How to find applications with which you can work with BA?
We go to Google Play or the App Store and voila! We find more than 1000 different mobile applications in which you can easily link a bank account and work with it successfully.
To add a BA to many of them, it is sufficient to indicate minikis or account numbers and you can fully dispose of:
- Replenish and withdraw money
- Transfer money to other accounts, accounts in patzh systems and banks
- Make money transfers through various payment instruments and systems
- Buy cryptocurrency!
- Create VCC and other cards!
- Buy and sell stocks
- Get credits and much more
Just a lot of unique opportunities and advantages. This is just an unplowed field to work with. I have studied about 50 applications and love it! This is just a wonderful area to work in.
Bonus
For example, now I really like working through the international money transfer system - Veem, when adding a BA, no verifications are required, we take little time, a request for payment can be sent specifying the exact amount and the e-mail account from which the transfer can be made. Very convenient and practical. They send $ 10 for free to all new attached BA, which allows, before a large bay, to check the adjustable drops for professional suitability.
Gentlemen, please supplement the topic, share your knowledge and practical work in this direction.
