Carding: The discreet banking scam that empties your account

How to effectively protect yourself from carding?

Start by regularly checking your bank statements. Even small amounts debited can signal attempted fraud.

Always enable two-factor authentication (2FA) on your banking applications: this blocks any unauthorized login attempts.

When shopping online, opt for temporary virtual cards or disable automatic card registration on e-commerce sites. Also, avoid clicking on suspicious links received by email or text message: many frauds begin with phishing.

Finally, install an up-to-date antivirus program and make sure all your connections are made through secure sites (https). These simple steps significantly reduce the risk of your banking information being hacked .

What to do in case of fraud?

If you notice a suspicious transaction on your bank account , the first step is to block your card , either from your banking application or by calling the emergency interbank number: 0 892 705 705 (24/7).

Next, report the fraud on the official Perceval platform (available via FranceConnect), which allows you to report the incident to the police without having to leave your home. This process generates a receipt that will be useful for your exchanges with the bank.

Within 13 months of the fraudulent transaction, you can request a refund from your bank . By law, the bank must return the stolen funds to you unless it proves gross negligence on your part.

Don’t forget to file a complaint with the police or online, and keep all evidence: screenshots, emails, opposition references. If the bank refuses to reimburse you, you can contact the banking mediator or consumer protection services .