How can I prevent access to bank apps after my phone is stolen?

With the increasing use of banking apps التطبيقات On smartphones, is the number of criminals who steal their cell phones Empty bank accounts of the victims. the new Inflation It has drawn the attention of entities such as Procon-SP and the Brazilian Confederation of Banks (Febraban), which give advice on what to do in this case.

To gain access to the apps, criminals often steal the device during use, which actually makes it unlocked and facilitates the scam. Then, they use passwords and personal data already stored on the devices to withdraw funds from accounts and even rent loans.

Tips to avoid scams

To prevent criminals from “cleaning” your bank account, the user can modify some device settings. See some examples:

• Always use the mobile home screen lock setting, preferably with a quick auto-lock (30 seconds, for example);
• Keep your operating system up to date and stay updated with new app updates;
• Do not use the “Remember / Save Password” function in browsers and websites;
• Never write passwords in notepad, email or message The WhatsApp or other applications;
  Choose strong passwords and do not repeat the banking access code on other accounts or sites;
• Use biometrics, facial recognition, two-factor authentication, and other additional tools whenever you can;
• Disable display of notifications while the home screen is locked;
• Also enter the PIN code on the SIM card of the mobile phone.

What do you do after the theft?

First of all, the user must erase the data from the device remotely. Just access pages an Apple Or Google to locate lost cell phones. After deleting the information, inform the operator of the theft or loss so that the line can be blocked. Do not reverse the order as if the line data is deleted first, the user may lose access to the device.

Consumer protection agencies are also recommended to file a police report and contact the bank to request Account lock. According to the Institute for Consumer Protection (Idec), banking institutions are responsible for ensuring the security of applications.

“Consumers can and should contact the bank to reimburse them, also because the bank has all the technological devices to identify back-to-back transactions or large amounts that are outside the person’s standard, and is able to prevent this type of transaction,” the lawyer said. Michel Roberto de Sousa, from Idec.

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