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Recognizing Fraud

You are the first and best layer of defense in combating online fraud. Learning to properly detect and avoid online scams is the ultimate protection against fraud. Read the tips below to help you spot potential scams.

Online fraud typically takes the form of fraudulent e-mails and Web sites. These forged means of communication often use corporate logos, colors and legal disclaimers to make them appear authentic.

  • Fraudulent E-Mails

Fraudulent e-mails are the most common avenue of online scams. A "spoofed" e-mail is one that purports to be from a reputable source in an attempt to trick you into divulging personal or account information, sending payment, or otherwise taking an action that will result in fraud. These attacks are common because they are low-tech and can be easily deployed on a massive scale. Even though the warning signs are there, "phishing" and scam e-mails continue to fool people. Some of these mails also request that customers update their account records by clicking on links to fake Internet banking and Interswitch websites.

  • Spoofed Web sites

Spoofed Web sites, like phishing e-mails, are used by fraudsters who build fake websites that look very similar to GTBank’s website to lure unsuspecting customers into submitting their online banking log-in information and card details which are later used to access such accounts. Spoof Web sites allow fraudsters to collect such sensitive information as Internet Banking Account and ATM Card Details.

GTBank will never ask a customer to provide, verify or update their personal, account or financial information via email or pop-up windows. This includes: Passwords, Personal Identification Numbers (PIN), or ATM, Credit or Debit Card numbers. If you receive an email requesting such information, do not respond and never click on a link contained in a suspicious email.

  • Phishing

Phishing involves the use of fraudulent email or browser pop-up messages that appear to be from a legitimate source, often using a company name, logo and/or graphic. A typical scam consists of:

  • Receipt of an email message stating you need to update or validate your account information.
  • The message suggests a dire consequence, such as your online access expiring or being suspended, if you do not respond.
  • Via a link in the message, it directs you to a Web site that looks legitimate, but is not.

The intent is to trick you into divulging personal information, such as your account number, User ID or Password so they can commit crimes of a monetary nature or identity theft. It may also be an attempt to deliver and install malicious code (malware) that can harm your computer.

How to avoid falling for Phishing Scams

  • Never open any email unless you know who the sender is. The very act of opening an email can infect your computer with malware. Be skeptical of every email you get, and never click on suspicious links, or download suspicious attachments. If all else fails, call your bank.
  • Pharming

Occurs when you enter a Web address but are redirected, without your consent or knowledge, to a fraudulent site that looks similar to a legitimate site. The intent of the fraudulent site is to capture confidential information.

  • If your card is lost or stolen, contact us Card Services immediately using the following telephone numbers:

Debit Cards: +232 25 223 333 +232 30 088 063

You will never be contacted directly by companies like MasterCard or Visa to verify personal or card information, your PIN or to request that you transfer funds or process transactions to protect your account.

  • Memorize your Personal Identification Number (PIN). Never write it on the card or anywhere else it could be compromised.
  • Skimming

“Skimming“ is a method by which thieves capture the magnetic stripe data from your card and use it to create a new, counterfeit card. These counterfeit cards are then used to process unauthorized transactions against your account. There are two main methods of skimming card information:

A small device that appears to be a part of the machine is placed over the card insertion slot of an ATM, gas pump, or other self-service kiosk. As you slide your card into the ATM, this device “reads” the data on the stripe and either stores it or transmits it to a nearby location. Often times, there is also a small, hidden camera that captures your keystrokes as you input your PIN into the machine.

How to protect yourself

  • If you see an attachment on an ATM that looks suspicious, don’t use the ATM. Notify the institution that owns the machine as soon as possible. If it’s a GTBank ATM, contact the branch location of the ATM or on +232 25 22 33 33 +232 30088063 +232 30 088064
  • Never give your PIN to anyone or write it on your card.
  • Review your monthly statements immediately and notify us of any discrepancy by calling +232 30 088 101 +232 30 088020 +232 30088023
+232 99 08-88-88
+232 77 99-09-99
+232 78 99-09-99
complaint.sl@gtbank.com