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  1. Email scam
  2. Telephone deception
  3. Identity theft
  4. Card fraud

    Email scam

    Fraudsters may make use of the convenience of emails to deliver fictitious information to disguise potential victims. Email fraud may take several variations such as:

    1. Inheritance or Lottery scam:  
      Fraudsters may claim the victims have been nominated as the successor of a huge amount of inheritance or have won a big prize, however, they have to pay an advanced fee before getting the sum;
    2. Product promotion email:  
      Fraudsters may disguise victims by claiming there is a special promotion, and include some attachments or hyperlinks in the content. Once the victims opened them, the victims' computers may be infected by trojans or spyware, and risk the loss of personal information;
    3. Acting as well-known organizations:  
      Fraudsters may use an email domain which is very similar to that of the real organizations, such as banks, government departments, or large corporations, in which they may request to confirm personal details with the victims, including account number, passwords, etc.;
    4. Acting as trading counterparts:  
      A variation of the above, fraudsters may act as a trading counterpart of a corporation, and request the victims to settle the invoice balance to another account which has not been used before.

    Whenever you have received any suspicious emails, it is strongly recommended to take the following approaches:

    1. If you receive any suspicious emails purportedly from banks or find the attachments or hyperlinks in the emails doubtful, remember not to open the attachments or click the hyperlinks. Internet banking should be accessed by entering the bank’s website address directly, or using a bookmark or an Internet banking mobile application (App).
    2. Generally speaking, banks rarely take the initiative to approach customers to check their personal information, or request customers to click hyperlinks in emails to access their Internet banking accounts or update their information. Whenever receiving calls or emails purportedly from banks, stay vigilant and verify their authenticity. This can prevent fraudsters from stealing your personal information or login credentials for unlawful use.
    3. In case of any queries, bank customers can contact the relevant bank to verify the email authenticity via other channels (e.g. bank’s customer service hotline).

    Please refer to “Smart Consumer” section under HKMA website for further information.

    Telephone deception

    Common telephone deception cases may take the following forms: 

    1. Fraudsters contacted the victims, use various reasons to disguise the victims to make a transfer or remittance to a designated account;
    2. Callers claim the victims have won a prize, and request them to redeem at a designated place, when the victims in presence, they may be persuaded to purchase under hard sell tactics;
    3. Callers claim as bank staff and trying to confirm details with the victims, who then collect personal information for identity theft.

    Be cautious when received calls from unknown persons, never provide any personal information before assuring the calls are genuine. Report to police if necessary.

    Identity theft

    Identity theft occurs when fraudsters collect the victims' personal information through various channels without consent, such as through pick-pocketing, stealing the letters from mailbox, etc. They will then pretend as the victims to apply bank account, make withdrawal or transfer, apply loans, unauthorized use of credit cards, etc.

    Beware and well protect of your personal belongings and information.

    Card fraud

    ATM skimming, lost and stolen cards, and collection of card details through spyware are the common ways used by the fraudsters to collect information and produce counterfeit cards for fraudulent purpose.


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