How can I encrypt my account number on the internet?
Yes, of course I'm paranoid. Anyone who doesn't have that and randomly posts their bank account number on the internet isn't my friend. When things get serious, I never have more than 500 euros in my account; I can live with that. A friend's 5,000 went missing, and only because the front man got cold feet and went to the police did she, by all chance, get the money back.
So, every now and then I'm asked to provide my bank details in classified ads. Depending on the tone of the request, I'll reconsider. But it would be nice to be able to share my bank details in encrypted form with nice people (and there are some there, too). Does anyone have any ideas?
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I can’t understand your paranoia. Any unauthorised direct debit can be returned within the deadline. With my IBAN, nobody gets into my account. My login is different from the account number, my bank requires – as required – 2-factor authentication and then you have to guess the password.
I would not necessarily want to distribute login + password free, but I trust that the combination of unknown login + password with 2FA protects me from anyone wanting to enter my account via my IBAN.
And it’s very long with 13 months. It is necessary to be very inattentive in order to make this deadline expire.
I would like to ask for a good question because my experience is better than theoretical Blabla in www. Because that’s why I get all the debits back. But I don’t trust him, we experience every day that everything is promised and then nothing is held. And whoever catches it has been bad luck, and it certainly doesn’t come in the newspaper.
What if the debited money is gone, the debiting account is resolved etc. ?
I’m just asking…
Thanks for the wise advice that the login should be different from the account number. I will.
Recently I wanted to sign up to Klarna, please do this, you’ll be surprised. Or just faint. They really wanted my account password.
Sure, the bank will assure you that your account is safe. Just when it went wrong, it seems to be a bit different. The bank explained to me that she will investigate. Who calms this announcement, okay, not me, I am very unfaithful of the goodwill of third parties.
I don’t know a bank liability for a fraudulent debit. Because the account is of course empty/delete or so long. Even better is a fraudulent transfer, it looks very bad with the “return”.
My friend tried it so, only account number and sampler, the bank transfer was executed. Clearly from your account, and logged in, but the account number alone has enough.
I’m just thinking and I don’t claim to be right.
You can return any debit.
In addition, you can use the charging method for various companies (Internet, mobile phone, electricity…) What do you think is not just honest people sitting there. There you also have access to your bank account and could cause a load from your account. That doesn’t happen either.
So that with the “retrieval” goes only when there is something to get back. That’s how I understood the bank statement. But it is clear that the fraud account has long since been empty/resolved until I notice.
Your second thought has also occupied me. But sooner or later, the perpetrator can be determined, rather not in classifieds. And there’s a lot of people out there.
Oh, it was like I had a huge trouble with my classified account two weeks ago. Almost always I was denied access for “unusual activities”! This was almost a week, and if you know someone who was stolen the identity of classifieds you will quickly become clueful.
The bank shall be liable by the client in the event of a repayment of the debit. This is why the bank is very careful to check whether they offer a direct debit method to the customer.
Okay, thank you again.
First of all, the probability is that it will be extremely low.
With the Iban alone you can use a maximum unauthorized direct debit to get to the money.
The account holder has 13 months (more than 1 year!) Time to revoke an unauthorized direct debit.
Of course, people can’t transfer money to your account.
I asked the bank how it was in fraudulent activities. I didn’t find the answer soothing.
There are people who don’t keep looking at the account. If that is empty, I must prove that it was illegal. So I understood the information, because it is clear that the account has been debited, of course, is now empty, dissolved or otherwise. I have no confidence in our banking system.
I was also surprised that no blank transfer prints are given out at the switch. My bank’s information was also very disturbing.
Sure is the odds I’m getting caught minimal, but thinking about it can’t hurt, right?
You have 13 months. Even if you look at the account only 1x a month, the 13x can be noticed without having any damage. At such a distance you should look at the account at least. You can’t talk about it all the time.
I personally look at my account every day. It’s very fast on the phone. People who don’t look at their account for over a year should worry about whether their financial behaviour is really so optimal.