In a world where digital transactions have become the norm, protecting your bank accounts against unwanted withdrawals is more crucial than ever. Consumers often find themselves faced with unexpected charges that can disrupt their budget and cause a lot of hassle.
Fortunately, there are effective solutions to keep control of your finances. One of them is the use of a whitelist, a powerful tool for filtering and authorizing only the desired samples.
Find out how this method can increase the security of your bank accounts while giving you invaluable peace of mind in the face of modern financial threats.
Understanding the risks linked to cyberattack at Free
Last week, Free, the second largest telephone operator in France, suffered a major cyberattack compromising sensitive data of millions of customers.
The hackers claimed access to critical information such as telephone numbers, subscriber IDs and IBANs of more than five million users, according to Clément Domingo, cybersecurity expert. This leak puts customers at high risk fraudulent direct debits, because hackers can use these IBANs to carry out unauthorized transactions.
To protect themselves, customers are advised to establish a “white list” with their bank in order to block any unwanted direct debits.
Set up a whitelist to secure your bank accounts
Pour counter fraudulent direct debitsit is crucial to put in place a “ whitelist » from your bank. This device makes it possible to restrict direct debit authorizations only to companies that you have explicitly approved. To do this, UFC-Que Choisir offers a model letter to send to your banking establishment.
In this correspondence, instate your account number and list authorized providersspecifying the name of the creditor, his Sepa identifier and the unique mandate reference (RUM).
This proactive approach reinforces the security of your banking transactions by limiting the risks of unwanted transactions.
Use available resources to protect your finances
UFC-Que Choisir offers an essential letter template to secure your bank accounts by limiting unwanted samples. By sending this letter to your bank, you can establish a “whitelist” that only allows transactions from vendors you have specifically approved. To do this, it is crucial to include in the letter your checking account number as well as a detailed list of authorized creditors.
Each supplier must be identified by their name, their SEPA identifier and their unique mandate reference (RUM). This preventive measure helps strengthen the security of your finances in the face of the increased risks of fraudulent withdrawals linked to recent cyberattacks.
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