In a situation where the pin code from credit card lost or forgotten, withdrawing cash becomes a real problem.
In addition, people are concerned about the question, can scammers use the card and write off funds without even knowing the cherished combination?
We will tell you what methods of withdrawing money from a card without a PIN code exist and how to use them.
Determine - cash or transfer?
If you only need to pay for a purchase in a store, then a cash withdrawal or entering a pin code may simply not be necessary.
Most online purchases can also be made by simply entering your card details, the name of the holder, the expiration date of the plastic and the security CVV code.
For the purpose of additional identification, a special one-time digital code is sent to the holder's mobile phone number, after which the transaction is considered confirmed.
In ordinary stores, payment also takes place without the need to enter a secret combination (we are talking about new standard cards that support PayWave and PayPass contactless payment technology from Visa and MasterCard), but this is only if the purchase amount is less than 1 thousand rubles.
Everything is done in order to speed up the buying process and not delay the store customers.
Getting cash is easy
If there is an urgent need to receive money from the account, you can withdraw money from the card without a PIN code very simply and with a 100% guarantee of a positive outcome. You just need to contact the branch of the issuing bank of your plastic card.
You must have a card and a passport with you as an identity card, there is no need to give the PIN code to the operator.
As the saying goes the federal law"On Customer Identification", the owner of the plastic has full right withdraw money from the card carrier, if at the same time he presented any identity document at the bank branch.
Funds in the specified amount will be transferred to the client's hands, depending on the bank's tariffs, the minimum commission for the operation may be charged. On average, this is 1% of the amount, do not forget to check the rates on the spot.
Card reissue
If you simply forgot your password, it makes sense to immediately apply for blocking this card and issue another one. So you can fully use it for its intended purpose and get rid of the need to stand in line at the bank office.
The current account will remain the same, but you will receive new map with a new password (it is not possible to restore the old one by contacting the bank branch, since no one except the client himself knows it).
Transfer to a card of a third-party bank
The second option, how to withdraw money from a card without a PIN code, is a little more complicated and is more suitable for experienced users who are also mobile or Internet banking clients.
It is necessary to transfer from one card to another, and then cash it out at an ATM. The transfer can be made through mobile banking, through Personal Area on the bank's website or using the services of card-to-card services.
For example, in Sberbank, no commission is charged for transfers between their cards, so the client does not lose anything in the process of such manipulations.
In exactly the same way, you can use any system money transfers contact type. On her website, you will need to link your card, then select the nearest point of issue of funds and simply transfer money.
Then you will need to go there with the documents and call the transfer number in order to get cash. Please note that the commission for the services of such services is quite high, so it is better to give preference to the methods described above.
Fraudsters do not sleep
If we talk about trying to cash out funds from a plastic card in an illegal way, i.e. in case of theft of the card, then the scammers do not have so many options.
Without a pin code, which some owners can write directly on the card or put a piece of paper with the treasured numbers in their wallet, a significant amount will not be written off from the account. But do not be too careless and when entering a pin code at an ATM or a store, if possible, cover your hands from prying eyes.
To cash out money, it is sometimes enough to know the holder's personal data: full name on the front side of the card, its number and expiration date, as well as CVV on the back of the plastic.
In some cases, this information is enough to buy an inexpensive item via the Internet, book a hotel room, or make some kind of purchase.
Therefore, if possible, it is better not to transfer the card to third parties (for example, waiters in a restaurant can be offered to bring you a POS-terminal and make a payment in front of you, and not take your card away somewhere).
A much more complicated process is scanning the magnetic tape of the card using a special device, and then making a similar card.
Most often, thieves install such devices in ATMs or terminals in unreliable places where there are no working video cameras. Alas, it is problematic to protect yourself from such a reading, you need to be very careful and not withdraw money if the ATM looks unusual or suspicious.
Finally
In order not to have to worry about the fact that fraudsters can use your personal data and withdraw money from a plastic card, in the end we have collected a number of simple tips for you on how to protect yourself:
- do not write the pin code directly on the card, it is better to keep it at home in a secret place if you have problems remembering the combination;
- do not tell his relatives, bank employees or strangers;
- if you pay online, check if it is a reliable site and do not use public unsecured Wi-fi networks.
Be sure to connect SMS notifications to your mobile number about transactions made from the card and, if unauthorized transactions are detected, immediately apply for plastic blocking.
Check out the offers of banks
| Card with cashback in Rosbank | Issue a card |
More about the map
- Cashback up to 7% - for selected categories;
- Cashback 1% - for all purchases;
- Bonuses, discounts on goods and services from VISA;;
- Internet banking - free of charge;
- Mobile banking - free of charge;
- Up to 4 different currencies on 1 card.
| Map from Eastern Bank | Issue a card |
More about the map
- Up to 7% cashback;
- Up to 40% cashback on online purchases;
- Cash withdrawal without commission at partner ATMs;
- Internet banking - free of charge;
- Mobile banking is free.
| Card from Home Credit Bank | Issue a card |
More about the map
- Up to 10% cashback from partners;
- Up to 7% per annum on the account balance;
- Withdrawing funds from ATMs without commission (up to 5 times a month);
- Apple Pay, Google Pay and Samsung Pay technology;
- Free internet banking;
- Free mobile bank.
More about the map
- Cashback up to 10% from gas stations
- Cashback up to 5% from bills in cafes and restaurants
- Cashback up to 1% on all other purchases
- Up to 6% per annum on the balance
- Card service - free of charge;
- Free internet banking;
- Free mobile banking.
| Card from Tinkoff Bank |
Sberbank. And then something started. A window opened asking you to cancel the operation (I was sent an SMS with a password to cancel). I wanted to call Sberbank, but a man called me, introduced himself as an employee of Sberbank and said that there was a failure and you need to follow the instructions that appear on the screen and come via SMS messages. Since one matched the other, I entered the password to cancel the operation. The window fell out again, SMS came again, this happened three more times. unable to stand it, I left Sberbank Online, tried to log in again, but could not. Then I called the bank employee who called me, but his phone was blocked. I checked the phone with the Sberbank phone, and it turned out that it differs from the Sberbank one by one digit. Sberbank has a zero after six fives, but here at the beginning. I got through to Sberbank and then they killed me on the spot.
How do they steal money from a Sberbank card, knowing the card number? carefully!
But there is another reason. Knowing the card number and the phone number to which it is linked, you can register again with Sberbank Online - the fraudster only has to receive codes from SMS. You can create a payment template and withdraw money from it without SMS confirmation.
It is especially dangerous that through Sberbank online scammers get access to all accounts, and not just card ones. Tip: To avoid meeting scammers through the Internet bank, be extremely vigilant.
Attention
When visiting the Sberbank website, check the secure connection, it can be found in the address bar: https://. Also, if, when entering the Internet bank, you need to enter something other than your login and password / one-time password, this is not the Sberbank website.
Is it possible to withdraw money knowing the card number and pin code, but not having a card?
Will the money be returned? In most cases, Sberbank returns money if you are a victim of skimmers, and you still have the original card. The main thing is to apply for a refund immediately.
Info
But keep in mind that the actual return period may take from 45 days to six months. Phishing and Social Engineering A classic example of phishing is when you receive an e-mail from a bank, follow a link, and you land on a completely different site that looks very similar to the bank's site.
Important
The login and password immediately go to the attackers, and the money flows into their pockets. The internet bank login page can be spoofed if your computer or smartphone is infected with viruses.
However, today's customers of Sberbank suffer more not from hackers who create fake pages, but from those who swindle data to access the Internet bank by cunning. For example, you may receive an SMS about blocking the card.
How to withdraw money from a card without a pincode?
- In this case, you can only pay with a card for purchases in the store. But this case is also a bit risky. After all, the store may require a passport.
The seller also does not want to take responsibility. But this risk is still minimal. Therefore, if you lose your card, you should immediately call the bank.
Better yet, get a card like mine, which cannot be paid in stores. And for purchases in stores, get another card that you can pay for, such as a Yandex.money card. - They can. It's easy though. You just need to go shopping with your bank card to the nearest supermarket. Often, at the terminals that are at the checkout, a pin code is not requested. This feature is specifically disabled to speed up the customer service process. And your money cried.
1000 and 1 way to steal money from a Sberbank card
In order not to arouse suspicion, scammers, having taken possession of your data, can wait for a while and only then get into your account. Knowing the codes, the money from the card is transferred to anonymous foreign Internet wallets, and from there they either go to pay for goods in online commerce, or are transferred to their real domestic ones.
You can immediately pay in the online store by indicating your card details, and pick up the goods at a fictitious address. Read: Attention the new kind How to protect yourself from such a vulnerability:
- Your card should not be transferred to other persons, even cashiers you have the right to refuse and enter the card into the payment terminal yourself.
- Install an SMS notification system for debit transactions from your bank card or Mobile Banking, since most banks today are ready to provide these service packages.
Is it possible to withdraw money from a card without a card and without a pin-code? now it's easy...
- Do not disclose your card number to third parties.
- Do not make purchases in suspicious online stores, so as not to compromise the number.
- Block the card if it is lost.
- Set limits on spending transactions on the Internet and a ban on payments abroad.
If the money was taken away Write a statement to the bank and to the police. Chances of a refund If there was a transaction with 3D-secure, the bank will not voluntarily return the money. If not, most likely the decision will be in your favor. Mobile banking - a black hole Here we will talk only about Sberbank. Package mobile bank Sberbank is an SMS informing about all transactions plus the ability to send short commands to special numbers for making payments (for a phone, transfer from card to card, etc.).
5 ways to steal money from a Sberbank card
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Can they withdraw (steal) money from a bank card without knowing the pin code?
Tweet Share Share Email Comments Surprisingly, there is a sensation and a catch in the title of the page. But no, it’s really easy, it doesn’t get easier - now we’ll tell you everything.
You can withdraw money from a card WITHOUT A CARD AND WITHOUT PIN-code knowing the card number, expiration date and the "secret code" printed on the back, and sometimes in front of the card :) Now let's ask ourselves how many people know these 3 components. Well, let's hope it's just you. The fact that you keep the card with you and do not transfer it to anyone gives you protection. Or not? Well, you and the bankers think so. But not scammers. So the question is: Is it difficult to get from you all this necessary information about the card to empty it? The answer is again easy:
- Every month you give your card to hundreds of cashiers, and I doubt that you will notice if the seller turns the card over and remembers the “secret code” of 3 digits (CVV code).
How scammers can take money from your card, knowing only its number
Knowing only the card number, attackers can pick up the expiration date and make a purchase on some sites that do not require a CVV code (for example, Amazon.com), in addition, the code on the back of the card is not required for small payments, for example, to pay for a cell phone. connections. Not small amounts are spent on the phone numbers of Beeline subscribers from Sberbank cards.
Most online stores accept payments through the 3D-secure protocol. In this case, the operation must be confirmed with a one-time password from SMS.
But first, it is required not everywhere. Secondly, a number of cases have been recorded when attackers somehow obtained one-time passwords. Either a leak on the side of the bank, or on the side of the operator ... Why is Sberbank more dangerous? “My story is this: on a free site, I wrote an ad for the sale of a baby stroller.
Then the person loses contact with the bank, while the attackers transfer money to Corn (in my case, to Novosibirsk). The next (!!!) day, Sberbank sends SMS that the account is blocked. But there is no more money on it. The login password, according to Sberbank, the attackers knew. Why Sberbank?
- When replacing a SIM card, the phone number remains the same, but the IMSI code of the SIM card changes. By law, banks must track it, but this process works very crookedly - they block access to Sberbank Online for those who have not changed the SIM card, or they block it 3 months after the replacement, and the number of frauds associated with replacing the SIM card is growing rapidly.
There are situations when you forgot the pin code from your card, and you need cash, or you just wonder if fraudsters can use the money on your card account by taking possession of your card. To dot all the i's, let's answer the question in this note: "How to withdraw money from a card without a pin code?".
How to withdraw money from a card without a PIN code to its holder?
Let's make a little clarification to our question: do you need to use money to pay for purchases or services, or do you definitely need to get cash?
In the first case, you will not need a pin code at all. For any transactions with the card on the Internet (for example, buying goods in online stores) it is not required - only card details and a phone number associated with your card are required. A one-time code will be sent to it (read about) for additional identification of the card.
The problem may arise in regular stores, where in order to pay for the purchase, you will need to confirm it with a pin code. Let us clarify that we are talking about cards with a chip, since magnetic stripe cards have not been issued since 2015 (the Central Bank of the Russian Federation has a ban for security reasons), although when paying for a purchase worth more than 1 thousand rubles, they were usually required to enter a personal identifier ( pin) or just a card password. What now? If your card supports (PayPass from Mastercard / PayWave from Visa), then you can easily pay for a purchase worth up to 1 thousand rubles. Moreover, the terminals in many large chain stores are set up so that for an inexpensive purchase (no more than the same 1 thousand rubles) you do not need to enter a pin at all - due to the high traffic, this increases the speed of customer service. Thus, it is quite possible to pay for inexpensive purchases with a card, which, by the way, thieves use.
Now let's analyze the situation of receiving cash from such a card.
The options here are:
1. Transferring funds to another card and withdrawing cash from it at an ATM. This can be done through a mobile bank (using SMS commands), Internet banking, at an ATM, or use the services of c2c (card-to-card) services. It is better if the receiving card is issued by the same bank as yours, as you will have to pay a commission for the transfer. For example, in Sberbank, when transferring between your cards or to a card opened in the same region (territorial bank), the commission is 0%.
2. If you have only one card, then, using the example of Sberbank, can be remotely opened in the personal account of Sberbank(Sberbank Online, aka SbOl) demand deposit(Savings account), transfer any amount from the card to it and withdraw this money from the passport by visiting a bank branch.
But why not go to the bank with a card and just ask to withdraw money from a card account using a passport? It won't work because you have without fail the cashier will require you to enter a PIN code that you forgot. For details, contact, there you will also find out that you can get your money on your passport only if you apply for a reissue of the card in connection with its loss or loss of the pin code. In this case, the card will be reissued to you, but the money will still be given out (in fact, they will remain on your account anyway, so they can be withdrawn on a new card).
3. You can use the services of money transfer systems(for example, contact). To do this, you need to create a personal account in one of the systems where you link your card. It will be possible to transfer money from it and receive it at the nearest cash point. Keep in mind that the commission for such an operation will be decent, but you will be able to receive the money in a matter of minutes. Don't forget to bring your passport with you.
Do scammers need a pin code to steal money from an account?
Fraudsters came up with many ways to steal funds from card accounts, read, for example, a review article about, where you will learn a lot about their criminal "arsenal". If we are talking about card theft, then without knowing the pin code, they will not be able to withdraw a significant amount. The only thing they can do is buy inexpensive goods worth up to 1,000 rubles in stores that do not require entering a personal code. Their main task in this case is to find out the code by looking at you in the store. That is why it is recommended to cover your fingers of the other hand with your free hand when you enter the pin code on the terminal, and do not be shy about it.
But scammers are more adept at those methods of deception when they don’t even need a card along with a pin code, but only need its details to make payments or transfers through Internet services. But there is one caveat here, you cannot make a payment transaction without knowing the one-time code that comes to the card holder's phone. If an attacker stole a phone along with the card, then this will be a gift of fate for him - withdraw money from the card to the last penny.
But usually this doesn't happen. Therefore, scammers go to various tricks and tricks, which we reveal in the article at the link above. They lure data from cardholders, who, due to their illiteracy, tell them both details and passwords, and then “bite their elbows”, looking at their devastated account. This is all very, very sad, so one of the main tasks of any person will be, then the scammers will not get to you.
In fact, answering the question of how to withdraw money from a card is quite difficult, especially if you want to do it through an ATM. If you are the owner of this bank card, then do not try to remember the password by choosing combinations of numbers, otherwise your card will be blocked. In this case, it is better for you to contact the bank branch in order to change the card password.
You can also go to the branch of the bank that issued you a card with plastic and a passport and withdraw all the funds and then change the password of the card. These are legal methods of withdrawing money from the card without knowing the pin code.
However, not only cardholders are interested in this issue. Fraudsters most often wonder how to withdraw money from someone else's card. Despite the efforts of banks, now it is possible. And while there are many ways to implement such actions.
How to quickly withdraw money from someone else's card
An attacker with the aim of removing financial resources can use one of the following methods:
- Enter the PIN code of the card if it is written on the card or just guess it. Quite often, people write the card password on the plastic itself, so as not to accidentally forget it. On the one hand, it is convenient, but on the other hand, it is very dangerous. Given the size of the card and the frequency of its use, even the most prudent owner can lose it, and an attacker can easily take advantage of this. If the bank offers to come up with a password yourself, do not choose too simple passwords in the form of a date of birth or several consecutive numbers (1111 or 1234), as such passwords are easy to guess;
- Pay for the purchase in the store. Now quite a large number of stores can pay with a bank card without entering a password. In this case, the attacker will impersonate the owner, and it is likely that he will succeed;
- Theft of funds using SMS notifications. Fraudsters have learned to fake real messages from Sberbank, which allows them to carry out card transactions without the knowledge of the owner.
Withdraw money from a card without a PIN code via the Internet
Unfortunately, these are not all methods that an attacker can use. Many of this category of people are also interested in the question: how to withdraw money from a Sberbank card without a PIN code via the Internet, while making a minimum of effort. In this case, there are also several options.
Payment for goods
Pay by card in online stores. For these purposes, as a rule, the data already available on the plastic itself is sufficient. These include: the plastic number, as well as the three digits indicated on the reverse side, the so-called CVV code, which is actually intended for making payments on the network;
Making a copy of a map
Scanning the magnetic tape and making a copy of the plastic. Of course, this is a technically complex, but all possible method used by many attackers. This is done by means of special equipment that can read the card itself and see its password. This can be done either in unreliable shops or ATMs far from busy streets. Therefore, it is better to use the card in large shopping centers, where video surveillance is constantly conducted.
Viral applications
Withdrawal of funds from the card using special virus applications. On a gadget (smartphone, tablet), an application can be quietly installed that reads the password and login for entering Internet banking and blocks the SMS message that comes to the number used on the smartphone. In this way, money can be debited from the card, and the owner will not receive a notification about the transactions. In order to protect yourself from such situations, you need to install a special anti-virus program on your gadget.
Transferring funds from someone else's card to your own
Transferring money from a stolen card to your own. This is also possible, especially if you use special programs to enter the cardholder's Internet banking page.
Identity theft from third party sites
Use of your data. For example, when paying for a hotel room, you must provide all the card details, including the secret code located on the back. And this data is quite enough to withdraw funds from the card. Attackers most often withdraw initially insignificant amounts of money within 500 rubles, counting on the fact that the owner simply does not pay attention to it.
Cross references
For example, you carry out transactions in Internet banking, and when you go to your website, enter all the card details, including your login and password. However, in this case, you may not get to the real page of the bank, but to the site of intruders who, knowing all of the above information, can easily use your money that is on the card. And at the same time it is not necessary to know the pin code.
It should be noted that this applies to all cards, not only Sberbank. Therefore, you need to be very careful when using plastic, so as not to be left without money.
What can be done with a bank card
There are different algorithms of actions in case you:
- The simplest and most correct option would be the same bank and wait. First, the ATM will “spit out” it, then it will start beeping, after 30 seconds it will “swallow” it. All swallowed credit cards go to the bank, and the bank itself contacts the owner.
- Just contact any branch of the bank that issued the card.
- You can find the cardholder yourself and return his payment document to him.
However, attackers, as a rule, act differently, and the first question that interests them is how to withdraw money and what it will be like. You can withdraw money using the methods described above, but such actions are illegal, which means that criminal liability is provided for. And the first thing you need to pay attention to when planning to commit such a crime is Article 159 of the Criminal Code of the Russian Federation - bank card fraud, for which you can get a considerable prison sentence. Accordingly, it is still not worth withdrawing money from someone else's card, in order to avoid serious problems with the law.
How to protect yourself from scammers
Now, you know how you can withdraw money from a bank card without even knowing the pin code, which means you can take certain measures so that this does not happen to you. Let's introduce a few of them:
- You should not write a pin code on the plastic itself, despite the fact that it seems very convenient. After all, you can lose the card, and an attacker can easily use your money. Also, you should not disclose the password from the card to employees of banks, shops or other places where payments are made. Banks often offer customers to come up with a password on their own, while remembering that the more complex the pin code, the more difficult it will be for an attacker to guess;
- Install an antivirus program on your gadget. Since often attackers use special programs to withdraw funds or to transfer money to their own bank card;
- Use a separate card for payments on the Internet, first replenishing it with the required amount. You can do this using terminals;
- Withdraw cash only in buildings where video surveillance is carried out. Since attackers often connect special equipment that can read the PIN code of the card and your funds become available not only to you;
- Connect an SMS notification about all transactions carried out on your bank card. This will help keep track of all transactions and payments on the card. Also, messages can be sent to your e-mail in parallel, while you will be able to print a receipt for the operation.
Currently, there are many ways to withdraw money from a plastic card of any bank without knowing the pin code. There are both legal and illegal methods. In the first case, you apply to the bank with a passport document and a card to withdraw funds and change the pin code. In the second case, money is withdrawn from the card by fraudsters without the knowledge of the owner of the plastic. Moreover, this can be done both with the help of ordinary stationary stores, ATMs, and with the help of the Internet network, using special virus applications.
It should be remembered that such actions are illegal and, accordingly, they are subject to criminal liability in the form of imprisonment for a certain period of time, which is determined based on the severity of the crime and the amount of stolen funds.
Owners of plastic cards should be very careful when making transactions on the Internet or paying in stationary stores, as well as when withdrawing cash from ATMs.