More and more sophisticated thefts. If paying for your purchases on the Internet offers you simplicity and speed, it also exposes you to the theft of your bank details, in a snap of your fingers. Scammers no longer need to have your bank card in hand to pay with, they just have to guess the 16 digits written on the top, as well as the code on the back. Once they have all the keys in hand, they can very easily have fun…

When a malicious person has managed to get your bank card in hand, it’s even easier for them, since they only have to guess your secret code. Four small numbers is really nothing, especially when many combinations come up regularly. A few months ago, Planet compiled a list of the most dangerous secret codes to have, because the easiest to hack. Within minutes, your thief may have guessed your code and withdrawn a large sum of money from your bank account.

As the Public Service website explains, “you must immediately oppose your card”. Do not wait until the next day and contact the interbank server reserved for objections, which is open 7 days a week and 24 hours a day. You can contact it by telephone on 0 892 705 705. A registration number is given to you, to proof that you have effectively opposed your means of payment.

Your bank can reimburse you for the amount stolen, but it all depends on whether or not you use your secret code. If the latter was used to spend more than 50 euros, 50 euros will be charged to you and the rest will be refunded to you. Below 50 euros, nothing will be refunded. It is therefore essential not to have your bank card secret code stolen and it is easier than you think, if you keep these good reflexes in mind.