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Fraud by phone

may call you and pose as bank employees, e.g. from our fraud desk. Some fraudsters also call posing as an employee of a well-known company such as Microsoft. Read on to find out how fraud by phone works.

Someone calls you ‘on behalf of the bank’

How it works

Fraudsters often call you after you have received a phishing email and entered your details on a fake web page. Fraudsters can be very convincing when they have these details and will act like they know you well or know a lot about you. They try to gain your trust and persuade you to reveal your security codes, which they can use to transfer funds from your current account. 

Spoofing

The telephone number used by fraudsters to call you with might be the same as the bank's own number. This is a practice known as ‘spoofing’. If you’re unsure, call the bank yourself. Don’t divulge any details or transfer money.

Money back in cases of fraud

If you transferred money and it later turned out that you were swindled, banks are not obliged to compensate the financial loss. This is because you made the payment order yourself. Nevertheless, the banks have decided that they will offer compensation to customers who have been victims of spoofing in the past under certain conditions. One of those conditions is that the victim reported the matter to the police. If you have been a victim of spoofing and want to know whether you are entitled to compensation, please contact us.

Important information

  • We will never ask for your 
  • We will never ask you to transfer money
  • We will never email you a link to log in to the ABN AMRO app or Internet Banking
  • Report the suspicious call to us

Someone calls you ‘on behalf of Microsoft’

Fraudsters who call you ‘on behalf of Microsoft’ often speak English, but not always. Other company names are also sometimes used in cases of fraud, such as Facebook, Instagram, Amazon and Google.

How it works

Fraudsters tell you that you have a problem with your computer and that they need to access your computer in order to solve it for you. They will often ask you to go to a website and download software. This software lets fraudsters access your computer and control it remotely. In order to gain your trust, they first pretend to perform complicated checks, before announcing that they can ‘solve the problem for you’, but only if you pay a small fee using Internet Banking. 

Beware: at this point, the fraudsters still have access to your computer! When you are about to confirm the payment, they will try to distract you so they can change the amount or currency, for instance, and have you transfer a much greater amount than you intended.

What you can do

  • Ignore unwanted requests from unknown parties concerning your computer
  • If you are not sure whether the request is genuine, hang up and close Internet Banking
  • Close the program that the fraudsters used to access your computer
  • Delete the software that the fraudsters sent you
  • Tip: turn on the Savings Lock on your savings account(s) and protect your savings extra well

Money back in cases of fraud

If you transfer funds, but it later turns out that you have been defrauded, we unfortunately cannot reimburse your financial losses since you issued the payment order yourself.

Other types of fraud