Is it possible to withdraw money from a card, knowing only its number

[Father]

Recently, Internet crime has been growing as rapidly as the number of users of the global network. 20% of fraudulent financial transactions are associated specifically with theft of money from bank cards. If you count in money, then the amount of the "stolen" funds is about $ 2.5 billion.

Fraud is different. The most popular areas related to the theft of money from cards are phishing and skimming. In the first case, your money is simply stolen using Internet resources. They give you a fake bank page as a link, you enter your data there (if necessary, which sooner or later appears), and you're done - the data on your account is already with the scammers!

As for skimming, everything is very simple here too - there are input readers on the ATM. That is, the device remembers the numbers that you enter when prompted to dial a pin code. The numbers are recorded, and small cameras are also installed on ATMs, with the help of which your card number becomes visible. It is not difficult to make a duplicate, since the skimmer still reads information from the magnetic tape of your card. When making a duplicate, it is this information that is used, and to withdraw funds, it remains only to insert the duplicate into the ATM and enter the PIN code read by the skimmer earlier.

How scammers withdraw money by card number​

Many people often ask the question - can scammers withdraw money from the card, knowing only the card number? The answer is unambiguous - of course they can. However, this does not apply to all types of cards. Let's tell you more.

This method can be used for MasterCard and Visa Classic cards. In other words, those cards with which you can make purchases on the Internet. Due to this, Maestro cards and Momentum products cannot be "stripped".

It is bank that has the ability to transfer funds from card to card without additional information - for this you only need to know its number. This method of translation is used by people quite actively when it is necessary to calculate between friends. So you can find out the name of the holder - make only a minimal transfer through bank online, and you will receive an SMS message with information about the name and patronymic of the owner.

It turns out that if you know the card number, then the easiest way is to agree on the purchase of goods through third-party resources, for example, Avito , subject to transfer to a bank card. In this situation, the fraudster will already know the card number, he will be able to find out his full name through the online account, and he will be able to make any purchase through your account on those platforms where there is no need to enter a CVV code, and also where it will not be necessary to enter a security code from MasterCard SecureCode.

How are funds withdrawn by number only? Let's consider an example using Avito .

The fraudster will first need to find out your card number, for this he may ask you for it to pay for the purchase (supposedly, it will be much more convenient to pay off this way). You can also write down the card number, remember it, fix it on the camera, or use many other methods for this.
Next, the fraudster will need the full name of the card holder. This is much easier to do than finding out her number. It is enough just to ask the question, in whose name the money should be transferred. You can also use the option mentioned above with the transfer of funds through the online account. There is no need to complete the translation, because it is only worth getting to the point when data verification is required.
After the data is displayed, the fraudster translates your data into transliteration, and this is also completely simple.

That's all, the fraudster can start spending your funds from the card, while going to any resource where confirmation by CVV code is not required, there is also no transfer to SecureCode. Also, scammers choose resources where there is no need to use bank one-time passwords. So you become a victim - you just need to give out three of your parameters: name and card number, as well as its validity period.

If you have before your eyes the number of a plastic card, then it will be easy to recognize its type. Accordingly, it will not be difficult for an experienced fraudster to estimate from the available data what type of card your card belongs to. To do this, it will be enough for him to know the number of digits and the number with which the number itself begins.

Then the "most difficult" thing remains - to find out what the card's validity period is. Everything is simple here - the card is valid for three years, respectively, 12 months for each year. In total, we get that there will be 36 types of dates for the expiration date. Going through 36 options in order to add a card to a resource for payment - it takes 10 minutes. There are no restrictions on entering information, so you can iterate over until the card is added.

Now you are fully aware of how scammers withdraw money by card number.

How to withdraw money from a card, knowing the number and CVV​

It is even easier to steal money by card number and CVV code. There are much more resources for paying for goods and services using a CVV code when paying for much more than simple stores that do not require this information. How to withdraw money from a card, knowing its number and CVV without SMS? To complete the debiting of funds, you should know the following:

• CVV code.
• Full name on transliteration.
• Card expiry date.
• Card number.

After that, you just need to select any product you like in the online store, or transfer money to an account in a bookmaker's office, payment system, an electronic wallet account, etc. It is enough to enter all the data and confirm the operation in a timely manner - and the money will be debited from the account.

How to choose a secure card​

Thus, it turns out that if a person knows the card number, then he may well write off funds from it, and in order to carry out this operation, there is no need to look for all the other data about the card holder, because this can be done quite easily. Now you know how fraudsters can easily find out the full name of the cardholder and how you can choose the expiration date of someone else's card yourself.

What can be said in favor of protection against such misconduct? It is quite easy to protect yourself from online fraudsters - you just need to use cards like Maestro Momentum or Cirrus for everyday life. Such cards are issued at bank, and without additional security information, an outsider will not be able to withdraw or transfer funds from your card, as well as make a purchase on the Internet.

In addition, it is worth thinking about which ATMs you use when withdrawing funds. It is best to use those devices that are located in the offices of bank or those that you use constantly and consider them to be verified. Fraudsters will not be able to install a skimmer reader on such ATMs, so such devices are the most secure.

As for security measures, in addition to those listed, it is also worth paying attention to the fact that you need to use resources for Internet banking with great care. Fraudsters do not sit still and are constantly improving their skills in sophisticated theft of money from cards.

Nowadays, it is very popular to create viral forms of pages that are a complete copy of popular resources for paying for services or goods. These include social media, online shopping, bank websites, etc. You should always carefully look at the URL of the sites and compare it with the original. If you notice differences in them, then know - they are trying to deceive you!

How to protect yourself from credit card fraud​

So, is it possible to withdraw money from a card, knowing only its number? Judging by the above information, it is certainly possible. This can be done in several ways - using a CVV code or without it, using contact information, by reading information when withdrawing cash from an ATM, etc. The more information about the card and its holder is in the hands of the fraudster, the easier and faster he will withdraw money from the card.

In fact, all security measures are rather arbitrary for all cardholders. If someone outside can find out your name and card number, you can only hope that he will turn out to be an honest and decent person and will not use this information for his own personal benefit. If you take much more security measures to keep your bank card less vulnerable, the chances of you becoming a victim of an online fraud will be minimized. However, the minimum probability of being deceived will still remain.

All this does not mean at all that you do not need to keep your hard-earned savings on bank cards - this is not at all the case. You just need to be careful in calculations and try, if possible, not to give out information about yourself and your card. It is especially important to secure your gadgets, which you sometimes use to view information on your account. Now, lately, there have been more cases when it is through phones and tablets that passwords are hacked. Based on the data already available, the fraudster will have access to the cardholder's account.

Pay attention to the degree of safety when using your gadgets. If they are equipped with the highest quality anti-virus systems, it will be difficult for fraudsters to slip you a phishing link so that you, having followed it, would lose control over access to your bank account. Otherwise, in the absence of this protective degree, you will be much more vulnerable if you use bank online through your phone or tablet.

Also, try not to use the card as the main payment force - nevertheless, cash can never replace electronic money, even though it is convenient to use. By the way, the most interesting thing is that cardholders often become themselves to blame for becoming victims of fraud. You don't need to share your card details with anyone - either in person or by phone. This can be done only if you yourself are sure that you are communicating the data to a bank specialist or a reliable person. If the phone number you were contacted by does not inspire confidence in you and is suspicious, you should not even talk about such things as bank card details.

Based on all of the above, it is worth highlighting a few points in particular:

• Do not share your card details with anyone.
• Do not use suspicious sites and payment forms.
• Do not use unfamiliar ATMs to withdraw cash.
• Try to draw up cards for yourself that have the maximum degree of security for online transactions.

Always adhere to these rules, and you will not become an easy target for scammers. If you are not satisfied with how safe bank is, you can always change the bank for storing funds, but before that you need to think carefully about whether it is worth doing it and whether another bank will be more reliable.