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Loren

When you’re sending or waiting to receive money with us, you can usually expect it to arrive quickly. But sometimes, your transfer might take longer than normal to clear. This is something that comes up occasionally on our community channels, so we want to explain why your transfer may sometimes be delayed and what to do on the rare occasion this happens. 

First, please know that our priority is always to protect you, your money and identity, so we follow a strict set of guidelines set out by the Financial Conduct Authority (FCA) and the National Bank of Belgium (NBB). Sometimes this can affect processing times for transfers.

## How long will my transfer take?
Different types of transfers may take longer than others to clear. Here’s how long a transfer should normally take to process:

- __Transfers between Monese accounts__ — instant each way (including on weekends)
- __Local payments between your Monese GBP account and another UK account__ — we support UK Faster Payments, which should be instant each way (including on weekends); BACS payments will take 3 business days to receive, and CHAPS payments will arrive in your account on the same business day if they’re sent before 2pm 
- __SEPA payments between your Monese EUR account and another EUR account__ — next business day each way
- __Local RON payments between your Monese RON account and another RON account__ — up to 1 business day each way 
- __International payments (from outside the EEA) to and from your Monese account__ – will depend on the country you’re receiving from or sending to

Bear in mind that when you’re sending or receiving transfers, the timings will also depend on the other bank’s or financial institution’s processing times (and, in some cases, additional checks on our end or theirs). Many types of transfers don’t get processed on weekends and public holidays, so plan for extra time if you’re making transfers on one of these days.

## Why is my transfer pending?
![fighting-financial-crime](//images.contentful.com/96dxy75w1gjr/5kNHZEiZUXHsdWDI6t12aj/33c9a46e156d7d48e711a2217bbf0082/fighting-financial-crime.png)
When you have an outgoing transfer pending, you’ll see it in your transactions list in the app. This could mean that we may have to run a security check before processing the payment. We do this to make sure we’re keeping you and your money safe. Sometimes transfers can take time to settle as local receiving banks and financial institutions run their own checks too, which can also end up causing slight delays.

In the case of a security check from our end, we’ll reach out to you via email and may ask you for some details, such as the source of the money or reason for the transfer. Look out for our emails in your inbox — we’ll always contact you on the email address registered to your Monese account, and this is the email you should always use when communicating with us to speed things along. 

To help us get your transfer on its way, get back to us with the requested information and supporting documents as soon as possible as a reply to that email (don’t start a new email or use a different email to get back to us as this will cause delays).

## Why hasn’t my transfer arrived yet?
If you’re expecting a payment that’s taking longer than usual to appear in your account — which happens rarely — it could be because: 

### The payment wasn’t made correctly
![Sepa Payments](//images.contentful.com/96dxy75w1gjr/5vT4IYfIcKirn4FGzZln0z/e820a45301355154513cea50c4b8d53a/Sepa_Payments.png)
When you’re sending money from an EEA country, always make sure it’s a SEPA payment, as you currently can’t send a SWIFT payment directly to your Monese account. SWIFT is an international payment network and a type of international transfer. 

If you’re [transferring money from a bank from outside the EEA](https://monese.com/blog/receive-payments-outside-europe "How to receive payments from outside Europe"), you’ll need to use different account details. You’ll need to add your Monese ID as a payment reference, otherwise we’ll have trouble finding your transfer. If you’ve accidentally sent a SWIFT payment directly to your personal account number, wait for the funds to bounce back (this usually happens automatically) and try again using SEPA or your international bank transfer details.

### The wrong account details were used
![Account Details](//images.contentful.com/96dxy75w1gjr/3CBIRtguf1pzCncv1sm1zH/2e772574bad57f1724fd800644f83a16/Account_Details.png)
You can find your account details directly in the app, right under the balance. If you believe you’ve entered the wrong account details, get in touch with our Support team through your Monese app and we’ll try to help you locate your transfer.

### We don’t support the currency
![Currencies](//images.contentful.com/96dxy75w1gjr/1VTxHLCRgy4ylzbZmEhc2i/cd6b2c0876abf728a9bc08e574d0ae3a/Currencies.png)
We can only accept transfers in GBP, EUR and RON. So, if you accidentally send a payment in another currency to your Monese account, it’ll automatically bounce back to the sender’s account. Unfortunately, this could take a couple of weeks. We recommend contacting the sending bank and asking them to recall the transfer to help speed this up.

### We have to run a security check
From time to time, we might need to run regular checks to make sure we comply with all the regulations. This doesn’t mean you’ve done anything wrong — we just want to do everything to make sure we’re keeping you and your money safe. When this happens, we’ll send you an email with questions and may ask for additional documents. Please get back to us as soon as possible to get the transfer going.

## Transfers we don’t accept
Please note that we never accept some types of transfers, and these are any transactions related to adult entertainment or cryptocurrencies. Gambling transactions, for example, won’t go through if you’re in a country where it isn’t allowed. If you keep trying these sorts of transactions, you run the risk of having your [account blocked or closed](https://monese.com/blog/blocked-account "Why is my Monese account blocked?"). 

<br/><br/><br/>

We hope this has helped you better understand some of the rules and regulations we follow, which are in place to protect you and ourselves from financial crime. At Monese, we're always working to stay ahead of criminals and illicit activity to ensure our customers' safety.

If you still have questions, [get in touch with our Support team](https://monese.com/contact "Get in touch with us"). 

If you’re sending or waiting to receive money, learn how to make sure it arrives as quickly as possible

Why is my transfer pending? 

pending payment 1920x1080

pending payment monese screen blue background 

Blog post > Why is my transfer pending?

We want to explain why your transfer may sometimes be delayed and what to do on the rare occasion this happens.

Why is my transfer pending?

Part of our mission at Monese is to make financial services as fair, transparent and safe as possible. With that in mind, we want to share how we protect you, your money and your identity.  

## How your money is protected                                                
As you might know, we're authorised by the Financial Conduct Authority (FCA) as an e-money institution. Monese accounts are e-money accounts, and they’re provided by our long-term partner [PrePay Solutions](https://www.pps.edenred.com/ "PPS") (PPS), who is authorised and regulated by the FCA and the National Bank of Belgium (NBB) to issue e-money and provide payment services. As your account is provided by PPS, they’re also responsible for protecting your money.

At Monese, your money is protected through a process known as “safeguarding”.

### What is safeguarding?
Safeguarding means your money is kept separate from any money owned by Monese or PPS and it’s placed into a secure account with an authorised bank, or covered through an insurance policy or similar guarantee. __We never lend your money to anyone and it’s always available to you, on demand__. 

__There’s also no upper limit per customer or account for safeguarding. This means that all the money within your Monese account is protected.__

The safeguarding process makes sure that there’ll always be enough money to repay all customers if an e-money institution goes out of business. In the unlikely case that this happens, the process will be handled by an insolvency practitioner or administrator. It's also worth noting that because the administrator can deduct their costs from this money, you might get slightly less than your full account balance back and it may take longer. 

Banks offer different protection to their customer money. For example, in the UK, this is known as Financial Services Compensation Scheme (FSCS) — a statutory scheme that repays UK customers if a bank goes out of business and can’t repay customers itself. As explained above, your Monese account is protected through the safeguarding process. 

FSCS protection is limited to £85,000 per individual customer per covered firm, but there’s no upper limit per customer or account for safeguarding. This means that all the money within your Monese account is protected.

It’s also worth noting, for our customers in the UK, that in the unlikely case that an e-money institution goes out of business, it might take longer than an FSCS claim — which normally pays out within seven days — to return your money.

Safeguarding also applies to all pots you have with Monese, and similar safeguarding principles apply to money in EUR and RON accounts. Money you have in a savings account with Raisin is protected by the FSCS (or equivalent in Europe) as it’s deposited with authorised banks.

You can read more about how your money is safeguarded in section 2.2 of our [Terms](https://monese.com/terms "Terms & Conditions"). 
Here’s a [page](https://www.fca.org.uk/consumers/using-payment-service-providers "Using payment service providers") on the FCA’s [website](https://www.fca.org.uk/consumers/using-payment-service-providers "Using payment service providers") with more information for our UK customers.
If you’re a UK customer, you can also head to the FCA's website to find out more about the main differences between banks and e-money firms, or for more information on safeguarding requirements, go [here](https://www.fca.org.uk/firms/emi-payment-institutions-safeguarding-requirements "Safeguarding requirements for authorised payment institutions and electronic money institutions"). 

Bear in mind, though, there are times when you may not have instant access to your account. On rare occasions, we may need to block your account if it doesn’t meet certain requirements. You can read more about situations like this in our [terms and conditions](https://monese.com/terms "T&Cs") or on our [blog](https://monese.com/blog/blocked-account "Why is my Monese account blocked?").

## Keeping you and your details safe 
Protecting you, your money and your identity is our number one priority, and it sits at the heart of everything we do here at Monese. We’ve developed technologies and processes to protect you against fraud. 

To help us detect unusual activity, we use our own state-of-art systems to stay one step ahead of fraudsters and cybercriminals.  And it’s not just for you — we too don’t want our products to be used for financial crime. You can be confident that your personal information, account and money are safe and secure with us.

We’re also members of the fraud intelligence agency CIFAS, helping us stay in constant communication with other banking services and provide insight into fighting cybercrime.

## What can you do to keep yourself and your money safe?                                                            
There are many things you can do yourself to stay protected and keep your money safe and secure:

- Sign up to Monese with your own phone and set a strong passcode for your app. 
- When you’re out and about, be sure to use Privacy Mode, pay with your phone whenever you can and if you’ve lost your card, lock it in-app. 
- Check your transactions regularly and never share any sensitive or private information on public forums. 
- Using a [virtual card](https://monese.com/blog/create-virtual-card "Create a virtual card") is a good way to stay secure, particularly when you’re shopping online. 

You can read more about how you can keep your Monese account protected [here](https://monese.com/blog/keeping-monese-account-protected "Keeping your Monese account protected").

Online criminals and their schemes are becoming more sophisticated every day. New and complex ways to trick and rob innocent people of their money are constantly being created. Make sure you’re aware of things like [how we at Monese get in touch with you](https://monese.com/blog/make-sure-youre-talking-to-us "How to make sure you’re really talking to us"), how to tell if you’re on a legitimate Monese website or social media page, plus anything else we’d never ask of you. 

For even more advice on keeping yourself secure and how you can best keep an eye out for scams, head to our [blog](https://monese.com/blog-list?cat=security "Latest articles - Security").   

<br/><br/>

We’ll always work to protect you, your details and your money. If you have any questions, don’t hesitate to get in touch on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or drop us a line at [community@monese.com](mailto:community@monese.com).

Everything you need to know about how we protect you, your money and your identity 

How we keep you and your money safe

Keeping your money safe - Landscape

Monese coins phone security shield lock blue 

Blog post > How we keep you and your money safe

We want to share how we protect you, your money and your identity.  

Each year, the UK’s [Citizens Advice](https://www.citizensadvice.org.uk/about-us/our-work/campaigns/current_campaigns/scams-awareness-month/ "Scams awareness month") runs a Scams Awareness Month campaign to inform people of the different scams happening out there, how to stay safe and what to do if you do happen to fall for a fraud scheme. This year’s campaign takes place from 14–27 June. 

## Common scams you could face
Keeping you aware of the different types of fraud making the rounds is important to us too. We like to take every opportunity we can to educate you so that you, your money and your account stay [protected](https://monese.com/blog/keeping-monese-account-protected "Keeping your Monese account protected").  

The pandemic made way for several [scams](https://monese.com/blog/avoiding-coronavirus-scams "Avoiding Coronavirus scams") to thrive as fraudsters took advantage of the most vulnerable people affected by Covid-19. And they’re still going on. 

Here we talk you through some of the most recent scams still making the rounds:   

### APP fraud
Also known as Authorised Pushed Payment fraud, this is when a scammer pretends to be a company or person you’re already familiar with or doing business with and tricks you into making a payment to their account. APP fraud can take many shapes and forms, from invoice to mandate scams.

__Tips for staying safe:__ 
- Double-check payment information before sending money.
- Transfer a small amount first and check payment has been received directly by the right party.
- Make sure to call an official number to confirm any payment requests you receive via email.

### Pension scams
This is a type of investment scam in which fraudsters may contact you via email, SMS, phone or even introduce themselves via a family or friend of yours who is also being scammed. They often offer free pension reviews, higher returns on your pension savings and use high-pressure sales tactics such as “limited-time offers”. 

__Tips for staying safe:__ 
- Don’t assume something is genuine just because a website or social media page looks real. 
- Always reject unexpected offers, especially if they’re coming out of the blue. 
- Don’t fall for pushy salespeople pressuring you to act fast.  

### Crypto scams
This is another type of investment scam that is popular on social media. You may notice criminals flooding the comments section of your favourite social network pretending to be successful crypto traders who can invest your money for high returns. Many scammers trying to lure you to their website are often phishing attempts to steal your information.

__Tips for staying safe:__ 
- Don’t trust strangers you don’t know on social media — especially with your hard-earned money.
- If something sounds too good to be true, remember that it probably is!
- If you’re considering investing, always get independent advice first and do thorough research.

### Romance fraud 
This type of scam also happens a lot on social media and dating websites or apps. It’s when someone uses a fake profile to form a relationship with you, gain your trust and then ask for money or personal information from you to defraud you. 

__Tips for staying safe:__ 
- Avoid giving too much of your personal information (such as your full name, address and date of birth) to someone you’ve never met in person. 
- If you’re using an official dating website or app, stick to this form of communication only — many criminals will pressure you to take the conversation over to social media to avoid traces of them asking for money or personal information on the dating site. 
- Don’t let anyone guilt or pressure you into sending them money if you’ve never met in real life no matter how much you feel you trust them or believe their story.  

### Shopping fraud 
This scam operates behind the anonymity of online and internet shopping. It can also take many forms including fake online shops, items not being received or getting goods that are different from what you ordered. 

__Tips for staying safe:__ 
- Always double-check the URL. Standard techniques used by criminals who want to send you to buy from a fake site include incorrect spelling, letters replaced by characters or numbers, special characters inserted, altered endings to URLs or adding an IP address.
- Buy from reputable sites or authorised sellers listed on a major brand’s website. 
- Avoid bank transfer buying and search for secure checkout options like Apple Pay, Google Pay, PayPal or major card schemes like Mastercard, instead.

### Delivery fraud 
Fraudsters are taking advantage of all the confusion and uncertainty regarding new delivery fees following [Brexit](https://monese.com/blog/parcel-taxes "Your money or your parcel"). Criminals are targeting recipients pretending to be from Royal Mail, Hermes, DPD and DHL with SMS messages asking them to pay for the release of parcels.

__Tips for staying safe:__ 
- If you’re not sure about the fees you’re being charged, it’s best to call the courier company’s official number to check the charges and what you owe.
- Remember that you’ll only ever receive an SMS from Royal Mail if you’ve opted in for the service. 
- If a parcel from Royal Mail couldn't be delivered to you, they’ll leave you a missed parcel slip to let you know. 

## Steps to take if you fall for a scam 
Don’t be ashamed if you happen to fall for fraud as it’s much more common than you may think. Action Fraud [reported](https://www.financialreporter.co.uk/features/online-financial-scams-are-on-the-rise-so-how-can-you-protect-yourself.html "Online financial scams are on the rise. So how can you protect yourself?") £1.7 billion lost to scams in the last year, and UK’s National Cyber Security Centre’s Active Cyber Defence program said it mitigated more than 700,000 online scams last year. And while this number may seem high, it doesn’t include the number of scams that go unreported.

If you happen to fall for a scam, here’s what to do:  

### 1. Lock your card
Do this immediately right from your app to avoid any further illegal use of your card or information. 

### 2. Contact our Support team
Get in touch through our in-app chat or email us at [fraudhelp@monese.com](mailto:fraudhelp@monese.com) to let us know you’ve been a victim of fraud and provide us with the transaction details and information on what happened. 

### 3. Report
Each country has its own [official authority](https://www.europol.europa.eu/report-a-crime/report-cybercrime-online "REPORT CYBERCRIME ONLINE") for reporting cybercrime and fraud — in the UK, for example, you can report your situation to [Action Fraud](https://www.actionfraud.police.uk/reporting-fraud-and-cyber-crime "Reporting fraud and cyber crime"). In the UK, you can also forward any text to SPAM (7726).

## Resources
Keep in mind that the scams mentioned here are only a few of the many types of fraud out there. Criminals are crafty and part of their job is to come up with new and ingenious scams every day to rob innocent and vulnerable people of their money. Don’t let this be you. Stay up to date by watching the news, reading up on the latest scams on our [blog](https://monese.com/gb/en/blog-list?cat=security "Security blog posts ") or other resources like [Citizens Advice](https://www.citizensadvice.org.uk/about-us/our-work/our-campaigns/all-our-current-campaigns/scams-awareness-campaign-2021/ "Scams Awareness Fortnight"), [Take Five](https://takefive-stopfraud.org.uk/ "Take five to stop fraud") and [Action Fraud](https://www.actionfraud.police.uk/a-z-of-fraud "A-Z of fraud").

If you’re from outside of the UK, we’ve gathered some other useful sites that may be more relevant for you: 

- France — [Ministry of the Interior](https://www.demarches.interieur.gouv.fr/particuliers/escroquerie "Ministre de l'Intérieur")
- Germany — [Polizeiliche Kriminalprävention](https://www.polizei-beratung.de/themen-und-tipps/betrug/ "Betrugsmaschen - Sie können sich schützen")
- Italy — [Commissariato di P.S. online](https://www.commissariatodips.it/ "sportello per la sicurezza degli utenti del web")
- Romania — [Centrul Național de Răspuns la Incidente de Securitate Cibernetică](https://cert.ro/ "Centrul Național de Răspuns la Incidente de Securitate Cibernetică")
- Spain — [AEECF](https://asociacioncontraelfraude.com/ "Asociación de empresas españolas contra el Fraude")
<br/><br/>

Remember: stay vigilant, be skeptical and stay safe! 


Stay safe from fraud

Scams - Landscape (1)

Alarm lock card Monese broken sheild protection scam cellphone 

Blog post > Stay safe from fraud

Each year, the UK’s Citizens Advice runs a Scams Awareness Month campaign to inform people of the different scams happening out there, how to stay safe and what to do if you do happen to fall for a fraud scheme. 

June is Scams Awareness Month 

With Black Friday officially here, the holiday shopping season is under way! And as many of us are confined to doing all our shopping online this year due to Covid-19 restrictions, it’s important to stay extra vigilant of the websites we’re surfing and purchasing from. 

There are plenty of scammers building sites, especially this time of year, that look legitimate but are, in fact, fakes. They’re malicious sites created to steal your bank information and money. So how do you tell a real site from a phoney one? While it's difficult nowadays as many fraudsters become more sophisticated in their work, there are still some telling signs you can watch out for to help keep yourself safe.

### 1. Take a close look at the URL  
Pay attention to the URL of the website you’re on. Even the slightest change in the address bar can redirect you to a different website entirely. Common techniques used by criminals who want to send you to one of their fake sites include incorrect spelling, letters replaced by characters or numbers, special characters inserted, altered endings to URLs or adding an IP address.

__Tip:__ When visiting a website, it's best to directly type the URL into your search bar versus clicking on a link you're unsure of. You can also open a new web browser window and Google what you are looking for, then navigate to your desired destination.

### 2. Watch for typos 
Spelling and grammar errors can indicate that a website went live quickly — sometimes in an attempt to take your money and run! That’s not to say legitimate websites will never have typos, but there will still be an effort to present a professional-looking website to potential customers.

__Tip:__ Read carefully and take your time reviewing a site for any odd mistakes or phrases that don’t make sense. 

### 3. Avoid “too good to be true” deals 
Before you shop, make sure you do your research and know the average market price for the product you’re looking for. Not only will this information help you snag a really good deal when you stumble across one, but it’ll also help you steer clear from the ones that are, in fact, too good to be true. Remember: if something is significantly below the average retail price, it could be a sign that it’s a scam. 

__Tip:__ To avoid fraudsters, only buy products from a store’s official website or an official list of authorised sellers listed on their website.

### 4. Look for secure payment options 
Any reputable online store will offer you secure payment options for making your purchases. Search for choices like checking out with Apple Pay, Google Pay, PayPal or major card schemes like Mastercard. If a website asks you to make a wire transfer, money order or other unsecured and non-refundable form of payment, it’s best to think twice! 

__Tip:__ [Shop online safely](https://monese.com/blog/secure-transactions) with your Monese card, which allows you to check out with Google Pay, Apple Pay or PayPal by linking your card. You can also buy online with a Monese [virtual card](https://monese.com/blog/create-virtual-card) for an extra layer of security. 

### 5. Check for viruses 
Ads aren’t a bad thing. But if hundreds of pop-ups are inundating you, it could be a sign that a site isn't secure. Several free websites allow you to run a quick check for viruses, phishing, malware, and known scam sites: Is [It Hacked?](http://www.isithacked.com/), [VirusTotal](https://www.virustotal.com/gui/home/url), [PhishTank](https://www.phishtank.com/). 

__Tip:__ PCs and Macs are both susceptible to malware. The best way to protect yourself is to install proven antivirus software. There are both free and paid options out there. 

### 6. Find the refund policy 
Honest websites should display a refund policy on their site along with terms and conditions. Look for these pages and make sure they’re populated with real content. If you can’t find this anywhere on the site, it’s another fast and easy way to spot a fake! 

__Tip:__ Before purchasing, make sure you read the refund and return policies plus the terms and conditions. Be sure that the policies are fair and that you’re comfortable with the measures outlined before proceeding. 

### 7. Search for ways to get in touch 
Genuine online retailers will always give you a way to contact them. This could be a telephone number, email address, address to a physical location or live chat. Before buying, make sure you find these points of contact so that you’re able to get in touch if something goes wrong. 

__Tip:__ Look through a few websites that offer a live chat option. If you’re getting the same generic response from all of them, it’s a good chance they’re phoney sites.  

### 8. Read reviews
Not only will reading customer testimonials help you make a wiser decision before purchasing, but it’ll help you learn of others’ shopping experiences (good and bad) before you buy. Take time to search online and on different review platforms for information on other customers’ experiences with the websites you’re interested in interacting with. 

__Tip:__ Make sure you search on independent review sites like [Trustpilot](https://www.trustpilot.com/) for an unbiased evaluation. 

### 9. Consider the source
Be careful with those Black Friday promotional emails landing in your inbox this time of year. If you don’t know the sender and the emails contain strange links sending you to unknown websites, don’t click on them (no matter how good the sale)! This is a common way criminals trick victims into giving up their financial information or infecting your devices. 

__Tip:__ Links can be shortened or compressed, concealing their true destination. The true destination will usually be displayed in your browser's bottom-left corner if you hover over the link. If you get an email about an offer, look up the store on your own and try to find it that way.

### 10. Don’t trust the padlock 
It used to be that you could feel safe browsing or shopping on a site with an SSL certificate (a padlock in the address bar) and if the URL started with https (the ‘s’ at the end stands for secure), but not anymore. As criminals can now obtain a padlock for their phoney site in a matter of seconds, you can’t rely on this alone. Make sure you apply all the other tips and advice outlined in this post when you're evaluating a website. 

__Tip:__ Don’t trust security badges or logos on a site, as these can easily be pictures that have been copied and pasted. If the badge or logo on a website doesn't lead anywhere legitimate with more security information, it’s most likely a fake.  

<br/><br/>

It's hard to tell a genuine website from a copycat these days, but we hope you feel better equipped to tackle any upcoming online holiday shopping with these tips. How do you keep yourself protected when purchasing online? Share your tips with us on [Facebook](https://www.facebook.com/MyMonese/), [Twitter](https://twitter.com/monese?lang=en), [Instagram](https://www.instagram.com/monese/) or email us at [community@monese.com](mailto:community@monese.com). 


If you’re shopping online this Black Friday and Cyber Monday, don’t fall for fraudulent sites  

Top 10 tips to spot a fake website

spotting-fake-websites

Blog post > Top 10 tips to spot a fake website

It may be Halloween, but there are certain tricks you’ll want to ward off this season. At the start of the Covid-19 pandemic, we shared some tips for [avoiding scams](https://monese.com/blog/avoiding-coronavirus-scams) during the outbreak. Many evil schemes to rob you of your money or steal your personal information are very sophisticated. UK Finance’s [Take Five](https://takefive-stopfraud.org.uk/about/take-five/) national campaign has added plenty of details on coronavirus-related scams for individuals and business owners to be aware of. To follow up on our earlier post, we’d like to share a summary of some of these wicked tactics that have been trending so far this year. 

<div data-comp="signup"></div>

### TV licensing 
If you or someone you know is over the age of 75 and due for a TV licence fee change, listen up: an email that’s been going around impersonates the organisation and uses their official branding to trick you into giving up your financial information. The email claims that your payment has failed and includes a link that will prompt you to set up a new direct debit — don’t fall for it! Plenty of criminals set up fake websites that look exactly like the real thing but are only there to steal your personal and banking details. 

__Tip:__ Never click or download any suspicious links or attachments from unsolicited emails no matter how official or legitimate it seems.  

### Council tax reduction 
Similarly, fraudsters are reaching out via email pretending to be from the “government” and offering you a council tax reduction. The email will also include a link so you can claim your reduction, but really it leads to another phoney website that they built to steal your financial information and even your identity. 

__Tip:__ Read and reread unsolicited emails. Watch for any typos or weird hyperlinks, which can be obvious indicators that it’s a scam. Don’t be afraid to Google and research any odd links. 

### Wi-Fi provider 
With so many people working from home these days and kids homeschooling, we’re fully relying on a stable internet connection and at-home Wi-Fi to keep connected and get our work done on time. Criminals know just how dependent you’ve become on your Wi-Fi and are taking advantage of this. They’ll call you, impersonate your internet company and threaten to shut off your Wi-Fi connection unless you pay a fee. In a panic, you might feel pressured into providing your details, but stop, think and fight the urge to do so. 

__Tip:__ If you’re ever unsure who’s on the phone, hang up and call back using an official number on their website.

### IT support 
In a similar scenario, you may be contacted via telephone by a fake IT service provider telling you there are issues with your internet connection. They’ll advise you to download harmful software that could contain viruses, malware or even give the scammer remote access to your PC! 

__Tip:__ Scammers can spoof phone numbers (and emails and text messages). This means a call could appear like it’s coming from an authentic number but isn’t. 

### CEO scam 
On the subject of remote work, we’re also relying much more on email communication with our colleagues instead of face-to-face meetings. Another type of phishing email that’s been common during this age of social distancing and telecommuting is an urgent email from someone on your team like a CEO, HR or finance. Once again, the email asks you to do something like move money, send banking or security information or change payment details for a contract or supplier. Due to spoofing, the message can appear to be coming from a genuine email account, usually from a boss, senior manager, even CEO. 

__Tip:__ Always confirm urgent payment requests directly with the sender, either in person or over the phone, if you’re still working from home. 

### Coronavirus gear
As the whole of Europe is seeing a surge in Covid-19 cases amidst a second wave, people may probably enter into panic mode once again and start hoarding things like toilet paper, hand sanitiser, protective masks, gloves, etc. Don’t be surprised if you start seeing sellers on social media, new websites or even people contacting you via phone or mobile directly to sell you protective gear. 

__Tip:__ Only purchase from legitimate and reputable retailers or an official list of authorised sellers listed on a major brand’s website.

### Government relief schemes 
Whether it’s for individuals, families or small business owners, you may be fooled into clicking on a link offering you a government handout during these trying times. Scammers will target you via SMS or fake emails and ask you to click on a link to see if you’re eligible for the scheme. In fact, it’s just another way for them to obtain your personal and financial information. 

__Tip:__ It’s best to visit official government websites (type the website directly into your web browser) for information on Covid-19 relief grants. 

### Invoice and mandate scams 
Another scam entrepreneurs need to be aware of is the invoice and mandate scam, which is when a criminal will impersonate one of your suppliers. Sometimes this information may be readily available on your company’s website or other channels. A scammer will then spoof and impersonate a supplier and ask you to update their bank account details. Later, when it’s time to pay an invoice from your supplier, you’ll have the fraudster’s bank account details on file and will have sent the money to them. 

__Tip:__ Double-check payment information before sending any money. If you’re working with a new supplier for the first time, transfer a small amount first and check payment has been received directly by the company. 

### Bitcoin investments
In a world of social media and influencer culture, it’s easy to fall under the spell of our favourite celebrities if we see them endorsing a product or service. But remember: these fraudsters are creative and crafty! They’ll photoshop images of Hollywood stars to deceive you into false bitcoin scams and investments. They’ll flood the comment section of your favourite social media platforms with links to opportunities that are “too good to miss”. These links may take you to bogus websites or even infect your devices with malicious software.  

__Tip:__ Be cautious of social media posts or adverts using celebrity endorsements to trick you into investing and “too good to be true” offers. 

### Knock, knock...who’s there? 
Don’t think that you can only fall victim to fraud online or via your mobile or telephone. Some criminals won’t think twice about walking up and ringing your doorbell! During this pandemic, people have been posing as health officials claiming that they need to inspect and assess homes and coerce you into handing over fees for this service. 

__Tip:__ Never let strangers into your home, and keep in mind that medical or health professionals won’t come to your home unannounced and without prior notification.

This is only a fraction of the type of scams that are floating around nowadays. There are plenty more out there as it’s the job of cybercriminals and fraudsters to come up with new schemes daily to trick innocent people out of their money. We must stay extra alert and question anything out of the ordinary that may come our way. 

If you do suspect you’ve fallen victim to fraud using your Monese card or account:
- __Lock your card immediately__ to avoid any other potential unauthorised transactions
- __Contact support__ at [fraudhelp@monese.com](mailto:fraudhelp@monese.com) to report your situation — we’ll let you know how we’re able to help, and we’ll always advise you on the best steps to take depending on your problem
- __Report it to the authorities:__ each country has an official authority for [reporting cybercrime](https://www.europol.europa.eu/report-a-crime/report-cybercrime-online) — in the UK, for example, you can report your situation to [Action Fraud](https://www.actionfraud.police.uk/) 

<br/><br/>

And in the true spirit of Halloween, remember this: things aren’t always what they seem to be! 

Plus tips to help you steer clear of these scary scams 


Trick...or treat? Frightening financial fraud to fend off 

Halloween Scams Blog Post

Blog post > Trick...or treat? Frightening financial fraud to fend off 

Plus tips to help you steer clear of these scary scams 

At Monese, it’s important that we keep your account and money safe from fraud and illicit activity. One of the ways we do this is by offering all kinds of safe ways to make transactions that keep your account details protected. 

So whether you’re paying with your card or phone, online or in-store, know that with our state-of-the-art technology, your money and personal information are protected when making purchases. 

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### Paying with your Monese card 
With your contactless Mastercard debit card, you can make quick and secure payments with just a single tap of your card at any contactless terminal when shopping in-store. When you go online, count on [3D Secure](https://monese.com/blog/2018/12/shop-online-3d-secure) technology for a safer way to pay. Wherever merchants offer this layer of security, you’ll receive a single, one-time password via SMS to enter before completing your purchase on the site. And if you ever lose track of your Monese card, simply lock it in-app to prevent it from being used illicitly. If you find it again, unlock your card just as quickly and easily. 

### Paying with Apple Pay
Why pay with your card at all when you can pay with just a fast tap of your phone? [Apple Pay](https://monese.com/blog/2019/04/apple-pay-is-here) is the private, secure and easy way to pay with iPhone, Apple Watch, iPad or Mac. Pay quickly without the hassle of using a card and avoid the contactless limit altogether. Apple’s mobile payment service is accepted worldwide, and purchases can be made at any vendor, transport terminal, shop or hotel that accepts contactless payments. Easily link your Monese card to your Apple Wallet in just a few simple steps.

### Paying with Google Pay
[Google Pay](https://monese.com/blog/2019/09/google-pay-europe) works at millions of places around the world, from retail stores to corner shops. Use it on your Android phone anywhere contactless payments are accepted. You can even use it to pay online (where Google Pay is accepted). To keep your payment information and account safe, Google Pay uses multiple layers of security. It doesn’t send your card number to the merchant. An encrypted virtual account number (called a token) is used instead, so your card details always stay safe.

### Linking with PayPal
For added scale, speed and security, link your Monese card to your [PayPal](https://monese.com/blog/2019/07/monese-with-paypal) wallet and make it your preferred way to pay. Check out in seconds online or at millions of stores worldwide, from small boutiques to big-name merchants. Your card details are never shared with vendors to protect you, your money and purchases even after check-out thanks to PayPal’s data encryption and fraud protection.

### Using a virtual card 
Another easy and secure way to pay straight from your phone? Your Monese [virtual card](https://monese.com/blog/2019/12/create-virtual-card)! Along with the same functions as your regular Monese card, a virtual card provides you with a unique 16-digit number different from your physical debit card number. This gives you an extra layer of security and is a fantastic alternative for a simple, safer, and faster transaction. Lock it immediately after each use to prevent further transactions and unlock it again whenever you need it next. Your virtual card can also instantly be linked to PayPal, Apple Pay or Google Pay to pay contactless. 

To give you extra peace of mind, you receive an instant push notification whenever there’s a transaction on your account. This gives you better control over your account and payments. It allows you to keep an eye and quickly identify any suspicious activity or unauthorised transactions. 

We’ll always work to protect you, your details and funds. If you have any questions, don’t hesitate to get in touch on [Facebook](https://www.facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://www.instagram.com/monese/) or email us at [community@monese.com](mailto:community@monese.com).

[Sign up now ](https://www.monese.com/download-now)

Tips for making transactions safely with your card or phone 

Shop and pay securely online or in-store

Payments & Transfers 1920

Blog post > Shop and pay securely online or in-store

Tips for making transactions safely with your card or phone

Jūsų pinigų saugumas visada buvo mūsų prioritetas ir svarbiausias dalykas, kuriuo mes rūpinamės čia, „Monese“. Siekdami apsaugoti jus nuo sukčiavimo, sukūrėme pažangias technologijas ir integravimo procesus. Galite būti tikri, kad jūsų asmeninė informacija, sąskaita ir pinigai visada yra saugūs.

Bet ar žinojote, kad yra ir dalykų, kuriuos galite padaryti patys, kad būtumėte apsaugoti? Norime pasidalinti keliais patarimais, kurie padės jums tai padaryti. 

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### Registruokitės „Monese“ naudodamiesi savo telefonu
Jei prisiregistruosite „Monese“ naudodamiesi kito asmens telefonu, jums ir jūsų paskyrai gali kilti rimta sukčiavio grėsmė, todėl griežtai nerekomenduojame to daryti. Prisijungdami prie „Monese“ įsitikinkite, kad iregistruodamiesi naudojate savo asmeninį mobilųjį įrenginį ir niekada nebandykite prisijungti naudodamiesi kito asmens telefonu. Ir prisiminkite - niekam kitam neduokite savo prisijungimo informacijos.

### Nustatykite stiprų slaptažodį
Jūsų slaptažodis yra jūsų asmeninis „Monese“ paskyros raktas. Nereikėtų niekada juo su niekuo dalintis, taip pat įsitikinkite, kad tai - slaptažodis, kurio nenaudojate niekam kitam. Jei kada nors jį pamiršite, galite lengvai jį iš naujo nustatyti, kai patikrinsime jūsų tapatybę. Taip pat prisijungdami prie savo programėlės galite pasinaudoti mūsų biometrinių prisijungimo parinktimis, tokiomis kaip pirštų atspaudų atpažinimas ar „Face ID“, kad būtų saugiau.

### Privatumo režimą naudokite viešai
Jei esate atviroje erdvėje, atsidarykite programėlę privatumo režimu, kad jūsų sąskaitos likučio ir operacijų sumų duomenys būtų privatūs. Įjungę jį taip pat galite jį perjungti programėlėje greitu telefono krustelėjimu!

### Mokėkite telefonu
Naudodamiesi „Monese“ galite atsiskaityti vos spustelėję telefoną. Nustatydami korteles „Apple Pay“ arba „Google Pay“, galite atsiskaityti parduotuvėje bet kur, kur rodomas bekontaktis simbolis. Papildomo saugumo sumetimais jūsų telefonas sugeneruos unikalų kodą kiekvienai operacijai (dar vadinamą žetonu). Tokiu būdu jūsų kortelės informacija niekada nebus dalijamasi su prekybininku.

### Pametėte savo kortelę? Užrakinkite ją
Ar žinojote, kad, jei netyčia pamesite savo kortelę, galite lengvai ir greitai ją užrakinti iš savo programėlės? Tai neleis niekam neteisėtai panaudoti jūsų kortelės, jei ji bus rasta. Jei atsitiks taip, kad atgausite kortelę vėliau, galėsite ją atrakinti taip pat greitai, naudodamiesi savo programėlę. Jei visai nerandate kortelės, galite pranešti apie pamestą ar pavogtą kortelę tiesiog programėlėje. Tada užsisakykite naują kortelę taip pat per savo programėlę ir mes jums atsiųsime naują kortelę kaip galėdami greičiau!

### Pasitikrinkite operacijas
Norint užkirsti kelią bet kokiai nesąžiningai veiklai, verta reguliariai stebėti savo išeinančius sandorius. Tai ypač svarbu keliaujant. Dalykai, į kuriuos norite atkreipti dėmesį, yra dvigubi mokesčiai, pinigų trūkumas sąskaitoje ar išlaidos, kurių jūs neautorizavote. Jei pastebite ką nors neįprasto, iškart užrakinkite kortelę. Tada susisiekite su mūsų klientų aptarnavimo komanda, kad praneštumėte apie savo situaciją. Mes jums pranešime, kaip galime padėti ir patarsime, kokių veiksmų geriausia imtis atsižvelgiant į įvykį.

### Atnaujinkite savo programėlę ir telefoną
Labai svarbu atnaujinti savo telefoną ir „Monese“ programėlę. Net jei programėlės naujinyje ir nėra daug naujų funkcijų, jį vis tiek verta atsisiųsti. Tai užtikrins, kad įdiegėte naujausią apsaugą, kad jūsų sąskaita ir programėlė būtų saugi.

### Neatskleiskite privačios informacijos viešuose forumuose
Mums patinka girdėti jūsų atsiliepimus mūsų bendruomenės kanaluose. Tačiau atminkite, kad mūsų puslapiai yra vieši, o tai reiškia, kad visą turinį, įskaitant jūsų komentarus, gali pamatyti visi! Todėl susilaikykite nuo neskelbtinos informacijos, tokios kaip sąskaitos duomenys, dokumentai, kodai, el. pašto adresai, telefono numeriai ar bet kas, kas gali pakenkti jūsų saugumui. Be to, atminkite, kad socialiniuose tinkluose negalime aptarti konkrečių su sąskaita susijusių klausimų. Geriausia susisiekti tiesiogiai su mūsų klientų aptarnavimo komanda, jei turite kokių nors klausimų ar kyla nesklandumų, susijusių su jūsų paskyra.

Mes visada stengsimės apsaugoti jus, jūsų duomenis ir lėšas. Jei turite klausimų, nedvejodami susisiekite su [„Facebook“](https://facebook.com/MyMonese), [„Twitter“](https://twitter.com/Monese), [„Instagram“ ](https://instagram.com/monese) arba parašykite mums adresu [community @ monese.com](mailto:community@monese.com).

01-Password-Protection 3f4868c4b26d42bdbc5c1cc73be46c1f

Blog post > Keeping your Monese account protected

„Monese“ sąskaitos apsauga

Štai keletas patarimų, kaip išlikti saugiam



Today easyJet announced a cyber-security attack that could have exposed the personal details of up to 9 million customers.

The company has said that email addresses and travel details were accessed and that they’ll be contacting everyone affected by this. Their statement also mentioned that 2,208 people have had their card details stolen.

We’re working on contacting all of you who’ve completed transactions with easyJet so that you can be extra vigilant.



## What we know so far
Since your safety and security is always our top priority, we’ve been keeping up with the latest information and will continue to do so in the coming days. Here’s what we know:

- EasyJet announced they’ve discovered a “highly sophisticated” cyber-security attack that exposed 9 million customers’ personal details
- 2,208 people may have had their card details stolen
- EasyJet plans to contact all affected customers by the 26th of May, but say they’ve already contacted anyone who may have had their card details stolen
- They’ve stressed that there’s no evidence that any personal information has been misused


## What information was breached?
While easyJet has said there isn’t any evidence of data being misused, it’s important to note the types of personal data accessed: email addresses, travel details and some credit card details, including CVV codes.



## What we’re doing about it
Security is our utmost priority, and we want to let you know that we’ve always got your back. When there’s a customer data breach like this, we always check to make sure your money is safe. Since easyJet’s announcement, we’ve been running checks for all our customers’ accounts, looking for any suspicious or unusual activity. We’ll let you know if we find anything. In the meantime, as mentioned above, we’re contacting all our customers who’ve completed transactions with easyJet so that they can be extra vigilant.



## What you should do
If you’ve been affected in any way, easyJet should get in touch with you within the next week to let you know. You can also contact easyJet via their [support page](https://www.easyjet.com/en/help/contact). A [page on their website](https://www.easyjet.com/en/infoalert) dedicated to this matter also suggests you email them at infoalert@easyjet.com.

If you’ve already been notified by easyJet that your card details have been exposed, please lock your card from the app right away, and get in touch with our [Support team](https://monese.com/contact) — we’ll cancel your card and send out a new one to you at no cost.

And since email addresses and travel details were accessed, we also recommend staying extra vigilant and looking more closely for any potential phishing scams, spam emails or any out of the ordinary communications.



We take every step possible to protect you, your details and finances. These have been the key foundations of our business since the very beginning. We’ll be updating this blog post as we know more. In the meantime, if you have any questions, our [Support team](https://monese.com/contact) is always here to help.

Low-cost airline EasyJet has revealed a cyber-attack where customers’ personal data has been exposed

EasyJet data breach: what you need to know

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Blog post > EasyJet data breach: what you need to know

Low-cost airline easyJet has revealed a cyber-attack where customers’ personal data has been exposed

It’s easy to fall for scams on the internet. It happens to even the digitally savviest of people. 

Online criminals and their schemes are becoming more sophisticated every day. New and complex ways to trick and rob innocent people of their money are constantly being created. It can be hard to keep up with all the hoaxes thought up by these crooks. From fake websites that look almost exactly like the real thing to fraudulent emails that read absolutely legitimately, it’s getting more and more difficult to differentiate between what’s true and what’s phony.

That’s why we want to help you avoid these unfortunate cons. Our first priority is always to protect you and your money. To do this, we want to make sure that you’re always aware of things such as how we at Monese get in touch with you, how to tell if you’re on a legitimate Monese website or social media page, plus anything else we’d never ask of you.

### Our official pages
![body-visual-badge](//images.ctfassets.net/96dxy75w1gjr/3jWM8gTG2cKP7UCWbE0c0b/145798a9a15f3fb836ee3c014303fc63/body-visual-badge.jpg)

To make sure you’re on our real website, be sure to inspect the link carefully. Note that all of our web pages are on the __monese.com__ domain only (this includes *subdomains* like [support.monese.com](https://support.monese.com/ "Support")).

You can now also log in to Monese from your desktop, via [web.monese.com](https://web.monese.com "Monese for web") (you can read more about it [here](https://monese.com/blog/2020/04/monese-for-web "We’re rolling out Monese for web")).

It’s important to be aware, however, that we do have affiliate partners too. If you happen to come across one of them, make sure that any links always lead back to monese.com or our apps on [Google Play](https://play.google.com/store/apps/details?id=com.monese.monese.live&hl=en "Google"), the [App Store](https://apps.apple.com/app/monese-a-banking-alternative/id1102793407 "Apple") or [AppGallery](https://appgallery.huawei.com/#/app/C103759763 "Huawei").

The following are our official social media pages: 

- [@mymonese](https://facebook.com/MyMonese "Official Monese Facebook page") on Facebook
- [@monese](https://twitter.com/monese "Official Monese Twitter page") on Twitter
- [@monese](https://instagram.com/monese "Official Monese Instagram page") on Instagram
- [@moneselife](https://instagram.com/moneselife "Official MoneseLife Instagram page") on Instagram
- [Monese](https://www.linkedin.com/company/monese/ "Official Monese LinkedIn page") on LinkedIn
- [Monese](https://www.youtube.com/monese "Official Monese YouTube page") on YouTube
- [@MyMonese](https://medium.com/@MyMonese "Official Monese Medium page") & [Monese Insights](https://medium.com/monese "Official Monese Insights Medium page") on Medium

We’re also on [Glassdoor](https://www.glassdoor.com/Overview/Working-at-Monese-EI_IE2235621.11,17.htm "Official Glassdoor Monese page"). For Facebook, Twitter and Instagram, watch out for the verification badges to know it’s us (the checkmark next to our name). The pages outlined above are our only social media pages. If you stumble upon any other, let us know right away on community@monese.com. We do report any fake ones as soon as we learn of them and do our best to keep them at bay. 

Some fraudsters will also reply to your comments, either on our community pages or elsewhere, pretending to be Monese. It’s worth clicking on the profile to confirm it’s actually coming from one of our official social media pages before engaging. Again, we do our best to keep up with these fake pages and we always work to take them down as soon as we can.

### How to get in touch with us
![body-visual-1-V1](//images.ctfassets.net/96dxy75w1gjr/6dgvjeOQ4dmaoxLCF1yeRq/4d4867161e6bda251253c42d73ff51ec/body-visual-1-V1.jpg)

Here are the ways you can contact us and how we’ll contact you if we need to. First, there are 3 different ways of getting in touch with our Customer Support team if you have any questions or issues about your Monese account: 

__Email__: You can write to us at support@monese.com, but make sure it’s from the email address you used to open your Monese account.

__In-app chat__: Open your app and tap on ‘More’, then ‘Support’. We’ll show you our most frequently asked questions &mdash; and if you don’t find the answer you’re looking for, you can start a chat with us.

__Phone:__ For urgent things you can also call us and talk to our multilingual Support team (you can do this from the app, or find the number on the back of your card). Keep in mind that wait times can be longer here, depending on how many calls are in the queue. When you call, we’ll always ask security questions to confirm your identity before we proceed to discuss any account details.

Keep in mind that we can’t get into any details about your account via our social media channels even if it's through private messages &mdash; we’ll always need you to use one of the channels above. 

Speaking of social media and as outlined in our [community guidelines](https://monese.com/community-guidelines "Monese community rules"), please don’t post public comments with sensitive information like account details, documents, passcodes, email addresses, phone numbers or anything that may compromise your security. We’ll remove these wherever we can, but fraudsters could also see this and use it to target you!

### How we’ll get in touch with you
![body-visual-2v-V1](//images.ctfassets.net/96dxy75w1gjr/7mwU7nJJl9bP8RlrZtzPDK/ab6176bc06e55b7944352674bf73a2c3/body-visual-2v-V1.jpg)

Sometimes we’ll get in touch by email. Usually it’ll be from support@monese.com, but we do also use other email addresses. 

To make sure it’s a real email from us, check the email address carefully, watch out for any typos and verify it’s coming from a __monese.com__ domain (or a subdomain like __news.monese.com__). Please keep in mind that email addresses can be ‘spoofed’ (i.e., appear to come from us), so read the email and check that it doesn’t mention something we’d never ask you for (learn more below).

If you’re ever not sure if an email is legitimate, or you get an email from any other domain claiming to be someone from Monese or acting on our behalf, please let us know right away. Just forward the email to support@monese.com to check with us.

We may also need to give you a call. If we do, it’ll usually be from our UK number (+44 1706 304 001) but it could also be from any one of our local numbers. If we ring you, we’ll always introduce ourselves first and explain the reason we’re calling. Please keep in mind that phone numbers can also be spoofed – so if at any point you’re in doubt about whether it’s us calling, hang up and call us back on the number on the back of your card (we won’t take it personal, we promise). 

It’s important to know that we’ll never do the following: 

- We’ll never call or email asking you to transfer money to another account. 
- We’ll never use social media to contact you about your account or ask for any details about it.
- We’ll never ask for your full card number, expiration date, CVV or PIN code, your app passcode, security codes you receive via SMS or any personal passwords.

### What can I do if I’ve been a victim of fraud? 

First, try and stay calm. If a card transaction comes up and you don’t recognise it, lock your card using your app immediately to avoid any further questionable use of your card or information. Then, or for anything other than an unrecognised transaction, contact our Support team at [fraudhelp@monese.com](mailto:fraudhelp@monese.com) to report your situation. We’ll let you know how we’re able to help. We’ll always advise you on the best steps to take depending on your problem. 

Each country has its own [official authority](https://www.europol.europa.eu/report-a-crime/report-cybercrime-online "Europol") for reporting cybercrime as well. If you’re in the UK, for example, you can report your situation to [Action Fraud](https://www.actionfraud.police.uk/ "Start reporting").

Remember to stay safe and always be vigilant!

Official pages and other things to check for when talking to our team 

How to make sure you’re really talking to us

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Monese homepage laptop yellow shield on screen magnifying glass 

Blog post > How to make sure you’re really talking to us

It’s an especially sensitive and vulnerable time right now due to the Coronavirus (Covid-19) outbreak, and cybercriminals are certainly taking advantage of people’s distraught state. There’s plenty of news already on some of the schemes that have been cooked up to rob people of their money, data and personal information during the crisis. 

For example, you may receive phone calls from “hospital officials” or even “friends” asking for money transfers, claiming they’re in desperate need during this outbreak. It’s important to be skeptical, however, as these are often fraudsters trying to take advantage of you. This is just one example. New tactics are being made up every day, making it difficult for most of us to keep up. That’s why we’re outlining a few things to keep in mind to help keep you from falling victim to fraud during an already challenging time.

<div data-comp="signup"></div>

### Don’t open suspicious links or attachments
There are plenty of bogus phishing emails and SMS messages going around offering help from local governments during the crisis, free consumer products, [free school meals](https://twitter.com/educationgovuk/status/1242493721536606209), maps to track spreading or even Coronavirus cures (__remember that there is currently no approved vaccine or treatment for Covid-19__). 

These may seem like they’re coming from official authorities such as national or global health organisations. But no matter how legitimate an email or text may seem, never forget that emails and phone numbers can be spoofed. Therefore, it’s best not to open any links or attachments as they can contain malware. Instead, visit the official websites or social media pages of your local government and authorities for real information and to keep up to date. For example, the WHO has launched [a free WhatsApp service](https://www.whatsapp.com/coronavirus/who) to offer verified information and advice. 

### Be extra careful when purchasing online
Scam artists take advantage of people in desperate times. If you’re looking online for items that are quickly disappearing off of supermarket shelves (such as toilet paper, hand sanitiser, cleaning wipes, soap, food, etc.), pay attention to who and where you’re buying from. 

There are many fake shops, websites and social media pages popping up online claiming to sell these in-demand items. Make sure you’re shopping from trusted and reputable retailers only and using their secure payment websites or check out with PayPal, Apple Pay or Google Pay (and avoid bank transfer buying). It’s also a good idea to have a look at customer reviews and testimonials before any purchase, and avoid anything that looks overpriced. 

### Watch out for fraudulent fundraising scams
Fraudsters will also take advantage of people’s charitable spirit and goodwill during times like these. They’ll spam you with fake emails, texts, phone calls and even crowdfunding pages (which are particularly popular on social media sites) asking for your contributions to help during the outbreak. They might even say they’re working or collecting on behalf of the government or a reputable health organisation. 

But be sure to look closely at who and what you’re donating to. Don’t enter any personal card details or information on any website you’re unsure of. If you wish to give during these trying times, make donations to official funds such as the World Health Organisation’s [Covid-19 Solidarity Response Fund](https://covid19responsefund.org/) or local non-profit organisations you know and trust. 

### Consider the source
If you’re looking up information online related to Covid-19, beware of the websites you’re visiting. There have been many malicious domains set up which contain malware and viruses to infect and steal information off your computers. Check all the links and watch for any typos or weird misspellings as these can all be indicators of a phony site. Once again, make sure you’re only visiting official authority and government websites when seeking the latest news and developments on Coronavirus. 

If you do fall victim to a scam, remember to do your best to stay calm. If you believe your Monese card or account have been compromised, lock your card as soon as you can. This will help to avoid any further fraudulent use of your card or information. Then get in touch with our Support team at [fraudhelp@monese.com](mailto:fraudhelp@monese.com) to report your situation. We’ll let you know how we’re able to help. We’ll always advise you on the best steps to take depending on your problem. You should also report it to the official authority - typically each country has its own agency for [reporting cybercrime](https://www.europol.europa.eu/report-a-crime/report-cybercrime-online) or fraud. 

Remember: be vigilant, skeptical and stay safe!

__31 March update:__ [Here's how to make sure](https://monese.com/blog/2020/03/make-sure-youre-talking-to-us) you’re really talking to us, including official pages and other things to check for when talking to our team.

Fraudsters are taking advantage of the Coronavirus outbreak — don’t fall for it

Avoiding Coronavirus scams

112-Avoiding-Scams 50390c38ed0094a386d62c09f1033516

Blog post > Avoiding Coronavirus scams

Nėra nieko labiau gąsdinančio, erzinančio ar stebinančio, nei atidarius „Monese“ programėlę pamatyti, jog jūsų sąskaita buvo užblokuota. Mes suprantame, kokia tai gali būti nerimą kelianti patirtis, ypač jei esate įsitikinęs, kad nepadarėte nieko blogo. Mes tikrai suprantame. 

Tai dažnai mūsų bendruomenės kanaluose minimas nesklandumas, todėl norime paaiškinti, kodėl mums (retu atveju) gali tekti blokuoti sąskaitą. 

Pirmiausia svarbu, kad žinotumėte, jog mūsų tikslas yra suteikti jums saugias ir teisėtas finansines paslaugas. Mūsų pagrindinis prioritetas visada yra apsaugoti jus ir jūsų pinigus. Norėdami tai padaryti, laikomės griežtų gairių, nustatytų [Finansinio elgesio institucijos (FCA)](https://www.fca.org.uk/ "Regulator in the UK") ir [Belgijos nacionalinio banko (NBB)](https://www.nbb.be/en "Regulator in Europe"), atsižvelgiant į jūsų gyvenamąją vietą. Tai reiškia, kad kartais turime blokuoti — arba net uždaryti — sąskaitą, kuri neatitinka tam tikrų reikalavimų. 

Taip pat mums gali tekti užblokuoti arba uždaryti sąskaitą, jei manome, kad ji naudojama kam nors, kas nurodyta mūsų [Taisyklių ir sąlygų](https://monese.com/eu/terms "T&Cs") 2.41 ir 2.42 punktuose, pavyzdžiui: 

- neteisėtas jūsų „Monese“ sąskaitos ar kortelės naudojimas 
- jūsų „Monese“ sąskaitos ar kortelės naudojimas aplaidžiu ar nesąžiningu būdu ar kitais neteisėtais tikslais
- paraiškos teikimo proceso metu pateikėte netikslią informaciją

Visi bankai, finansinės institucijos ir daugelis kitų rūšių įmonių laikosi šių FCA ar NBB taisyklių. Nors tai ne visada atrodo teisinga, mes niekada neužblokuojame sąskaitos be rimtos priežasties.

## Kova su finansiniais nusikaltimais
![Finansiniai nusikaltimai](//images.ctfassets.net/96dxy75w1gjr/0q6GdKXcfOcMNQbQoN6sU/0562d3f9ca4119589c651578b8e431e4/fighting-financial-crime.png)

Svarbiausias jūsų sąskaitą saugantis reglamentas yra 2017 metais priimtos Pinigų plovimo, teroristų finansavimo ir lėšų pervedimo taisyklės (Informacija apie mokėtoją)([MLR 2017](http://www.legislation.gov.uk/uksi/2017/692/contents/made "Regulation")). Jei įtariame neteisėtą veiklą, pagal įstatymą turime nedelsdami imtis veiksmų. Nusikalstamas mūsų paslaugų naudojimas niekam nenaudingas — nei jums, nei mums - ir mes į šį klausimą žiūrime labai rimtai.

Mes taip pat esame sukčiavimo žvalgybos agentūros „[CIFAS](https://www.cifas.org.uk/ "Credit Industry Fraud Avoidance System") nariai, ji mums padeda nuolat palaikyti ryšį su kitomis bankų tarnybomis ir suteikia naudingų įžvalgų kovojant su elektroniniais nusikaltimais.

Kad galėtume lengviau pastebėti neįprastą veiklą, turime savo moderniausias sistemas. Jos vaidina svarbų vaidmenį saugant jūsų pinigus nuo nusikaltėlių, kurie gali bandyti patekti į jūsų sąskaitą. Ir tai svarbu ne tik jums - mes patys nenorime, kad mūsų produktai būtų naudojami finansiniams nusikaltimams.

## Susipažinimas su jumis
![ID](//images.ctfassets.net/96dxy75w1gjr/1VxynPF2WTJPuiio6kytTq/d5b9d228af47177ee0e43707408ae697/getting-to-know-you.png)

Kai prisiregistruojate su mumis, vienas iš pirmųjų dalykų, kurį mes darome, yra „Pažink savo klientą“ (KYC) patikrinimas. Tai procesas, kurį naudojame siekdami geriau suprasti jūsų finansinį profilį ir elgesį. Visų pirma, mes turime sugebėti:

- įsitikinti, kad esate tas, kuo sakote esąs
- valdyti bet kokią riziką, susijusią su jūsų finansais
- stebėti mokėjimus, pervedimus ir balanso papildymą 
- turėti teisingą ir naujausią informaciją apie jus

Daugiau apie šiuos reikalavimus galite sužinoti [FCA svetainėje](https://www.fca.org.uk/firms/knowing-customer-assessing-needs "Knowing your customer").

Siekdami apsaugoti jus ir mūsų verslą, reguliariai tikriname visus savo klientus- tai dažnai mus veda prie kito žingsnio.

## Kartais mums reikia daugiau informacijos
![Pranešimas el. paštu](//images.ctfassets.net/96dxy75w1gjr/5zhLVxYBUjj0xvultsgNWx/612859d5045b7021765dab95b97b126b/need-more-information.png)

Jei neturėsime visos reikiamos informacijos, susisieksime su jumis, paprastai el. paštu, kad sužinotume daugiau. 

Kartais gali reikėti atlikti saugumo patikrinimą, kad įsitikintume, jog niekas kitas nenaudoja jūsų paskyros. Tai nereiškia, kad padarėte ką nors blogo - tiesiog turėsime užduoti keletą klausimų, kad patikrintume, ar nesusiduriate su jokia saugumo rizika. 

Jei negalime patikrinti, kas ir kodėl naudoja jūsų sąskaitą, tai reiškia, kad nesilaikome KYC gairių ir galime pažeisti Pinigų plovimo reglamentus - tai laikoma sunkiu nusikaltimu.

Taigi, jei el. Paštu atsiųsime užklausą dėl papildomos informacijos ir ją patvirtinančių dokumentų, susisiekite su mumis kuo greičiau, kad galėtume išlaikyti jūsų sąskaitą atvirą ir prieinamą. 

Visa tai padeda mums įsitikinti, kad jūsų sąskaita, asmeninė informacija ir pinigai visada yra saugūs. Pamatysite, kad visa tai, kas išdėstyta pirmiau, nurodyta mūsų [Taisyklėse ir sąlygose](https://monese.com/terms "T&Cs"). 

Remiantis kai kuriais iš aukščiau aprašytų scenarijų, čia pateikiami keli dalykai, kurie gali nutikti jūsų paskyrai, kartu su informacija apie tai, ką galite tokiu atveju daryti.

### Jei jūsų tranzakcija vis dar atliekama
![Laukiantis mokėjimas](//images.ctfassets.net/96dxy75w1gjr/MFAM0KgdgPF6vUfuJWLUh/8dfd52fc40a6addabcc5562d7f612ceb/pending-payment.png)

Jei siunčiate ar laukiate pinigų, kartais tai gali užtrukti ilgiau nei įprasta. 

Pirmiausia atminkite, kad pervedimai visada priklauso nuo kito banko apdorojimo laiko. Taip pat reikia atsižvelgti į tai, kad kai kurie pervedimai neapdorojami savaitgaliais ir švenčių dienomis, todėl numartykite papildomo laiko, jei siunčiate vieną iš šių dienų. 

Be to, mums gali reikėti atlikti saugumo patikrinimą prieš apdorojant pervedimą. Tokiu atveju susisieksime su jumis ir paprašysime daugiau informacijos (pvz., apie lėšų šaltinį ar pervedimo priežastį). Stebėkite mūsų el. laiškus ir kuo greičiau susisiekite su mumis reikiamos informacijos, kad galėtume pradėti jūsų pervedimą. 

### Jei užblokavome jūsų sąskaitą
![Užblokuotos sąskaitos programėlės ekranas](//images.ctfassets.net/96dxy75w1gjr/VVmgkIIcXrygS5gl5sa9e/2620aef514cb55bd504d09d438b67f8b/account-blocked-app-screen-1.png)

Kai jūsų sąskaita bus užblokuota, mes apribosime jūsų prieigą prie „Monese“ programėlės, o visi mokėjimai, kuriuos atliksite naudodami „Monese“ kortelę, nebus atlikti. Jei taip atsitiks, mes jums iš karto, paprastai el. paštu, pranešime ir norodysime, kokių veiksmų imtis. 

Suprantame, kad su užblokuota sąskaita gali būti nepaprastai nepatogu, tačiau, deja, ne visada galime pasakyti, kodėl taip nutiko. Jei kada nors taip atsitiks, mes padarysime viską, ką galime, kad jos veikimas būtų greitai atstatytas. Norėdami pagreitinti procesą, štai ką galite padaryti: 

- Susipažinkite su mūsų el. laiškais, kuriuose aprašomi tolimesni veiksmai.
- Atsakykite į visus mūsų klausimus kuo geriau, išsamiau ir kuo greičiau.

### Jei mes uždarėme jūsų sąskaitą
![Uždarytos sąskaitos programėlės ekranas](//images.ctfassets.net/96dxy75w1gjr/5W1ZrWhn28JGaUpDLVbOck/6f7fbdb96bf3348749d0680eb16cdbab/account-closed-app-screen-1.png)

Retais atvejais mums gali tekti uždaryti jūsų sąskaitą. Tai reiškia, kad jūsų prieiga prie mūsų programėlės atšaukta visam laikui, ir jūs negalėsite pas mus iš naujo suaktyvinti ar atidaryti kitos sąskaitos.

Mes žinome, kad tai gali būti nemalonu. Jei taip atsitiks, atsiųsime jums el. laišką, kuriame nurodomos kai kurios priežastys, kurios taip galėjo nutikti.

Jei uždarome sąskaitą, dažniausiai tai įvyksta dėl šių priežasčių:

- Negalėjome suprasti jūsų veiklos paskyroje;
- arba mūsų sistemos aptiko tai, kas, mūsų manymu, kelia pavojų jums, kitiems klientams ar mums;
- arba teisėsauga mums nurodė tai padaryti.

Jei mums nenurodyta kitaip, mes paprastai grąžinsime jums visus likusius pinigus, kai mums nurodysite kitos sąskaitos,į kurią galime juos atsiųsti, duomenis. 

Tikimės, kad jūs suprantate, kad normos ir taisyklės, kurių laikomės, yraskirtus apsaugoti jus, kitus „Monese“ klientus ir mūsų įmonę nuo nusikaltėlių. „Monese“ mes visuomet stengiamės užkirsti kelią finansiniams nusikaltimams ir užtikrinti klientų saugumą. 

Jei vis dar turite klausimų, apsilankykite mūsų DUK skiltyje, kur rasite isamesnės informacijos. Taip pat daugiau informacijos galite gauti [FCA svetainėje](https://www.fca.org.uk/about/the-fca "About the FCA").

Kartais mes turime laikinai blokuoti ar net uždaryti sąskaitas \- štai kodėl.



Kodėl mano „Monese“ sąskaita užblokuota?



herojaus-užblokuota-sąskaita-1-1 50390c38ed0094a386d62c09f1033516

„Monese“ užblokuotos sąskaitos ekranas 

Blog post > Why is my Monese account blocked?

Kodėl mano „Monese“ sąskaita užblokuota?

<p data-children-count="0">Juodasis penktadienis ir Kibernetinis pirmadienis jau beveik atėjo, ir akcijos jau prasidėjo. Tai sezonas, kai pardavėjai ir nuolaidų išalkę pirkėjai išties turi ką veikti ir įnirtingai ruošiasi, nes mažėja kainos. Bet taip pat yra pats geriausias laikas įsilaužėliams ir elektroniniams nusikaltėliams pasikėsinti į jūsų pinigus, įsilaužti į jūsų banko sąskaitą ar net pavogti jūsų asmeninius duomenis ir padaryti didelės žalos.<br /></p>
<p data-children-count="0">Apsipirkimo internete saugumas yra dalykas, kuris mums turėtų rūpėti kasdien. Tačiau judriausiais laikotarpiais tikimybė, kad tapsime apgaulės aukomis, išauga. Esant apsuptam neprilygstamų SPECIALIŲ PASIŪLYMŲ ir 80% NUOLAIDŲ PASIŪLYMŲ nesunku prarasti nuovoką ir pasielgti neatsargiai.</p>
<p data-children-count="0">Tačiau gera žinia yra ta, kad jūs galite daug prisidėti prie savo saugumo. Mūsų sukčiavimo prevencijos komanda pateikia keletą patarimų, kurie padės užtikrinti, kad jūsų apsipirkimo nuotykiai jums nekainuos daugiau, nei planuota .</p>
<p data-children-count="0"><br /></p>
<h3 data-children-count="0">Skamba per daug gerai, kad būtų tiesa?</h3>
<p data-children-count="0">Sukčiai dažniausiai stengiasi jums parduoti daiktus už žemesnę nei rinkos kainą. Taigi, jei pastebėsite „iPhone 11“ už 150 svarų sterlingų (tuo tarpu mažmeninėje prekyboje analogiška prekė paprastai kainuoja maždaug 750 svarų sterlingų), geriausia tokios akcijos vengti. Neleiskite, kad apgaulingi pasiūlymai užtemdytų jūsų sveiką nuovoką.</p>
<h3 data-children-count="0">Venkite paslėptų registracijos mokesčių</h3>
<p data-children-count="0">Reguliariai tikrinti savo operacijas visada yra gera idėja, tačiau ji gali būti ypač naudinga artimiausiomis dienomis. Ar pastebite pasikartojantį nuskaitymą, kuris neatrodo logiškas? Tuomet tikriausiai buvote apgauti įsigydami papildomų produktų ar paslaugų, kurių jums nereikia. Jei kyla abejonių ar manote, kad galbūt nukentėjote dėl sukčių apgaulės, užrakinkite savo kortelę ir susisiekite su savo sąskaitos valdytoju, kad žinotumėte, kokių veiksmų imtis toliau. Taip pat apsipirkimams internete galite naudoti virtualią kortelę - ji turi atskirus savo duomenis, o sumokėjus ją galima lengvai užrakinti ir atrakinti.</p>
<h3 data-children-count="0">Blokuokite iššokančius langelius</h3>
<p data-children-count="0"> Tik labai nedaug iššokančiųjų langų yra autentiški. Dažnai jie tikina, kad galite lengvai gauti ką nors vertingo nemokamai, tiesiog prisiregistruodami kitam „pasiūlymui“ ir gal net rekomenduodami jų savo draugams. Geriausia yra pakeisti savo naršyklės nustatymus (arba pamėginti <a href="https://brave.com/">naują</a>), kad tokius langelius užblokuotumėte.</p>
<h3 data-children-count="0">Būkite atsargūs su užsienio parduotuvėmis</h3>
<p data-children-count="0">Jei planuojate pirkti ką nors ypatingo, atkreipkite dėmesį užsakydami iš užsienio kompanijų, nes gali kilti papildomų nesklandumų - pristatymas ir grąžinimas gali būti būti sudėtingi (arba labai brangūs), o nepažįstami mokėjimo kanalai gali padidinti riziką, kad bus pakenkta jūsų kortelės informacijai.
</p>
<h3 data-children-count="0">Būkite atsargūs su tariamai išskirtiniais pasiūlymais</h3>
<p data-children-count="0">Ar perkate iš gerai žinomos ir gerbiamos internetinės parduotuvės, bet staiga privačiai gaunate pasiūlymą (tarkime, socialiniame tinkle) dėl sandorio, kuris yra per geras, kad būtų tiesa? Tuomet geriau ignoruoti tokį sandorį</p>
<h3 data-children-count="0"> Nemanykite, kad „https“ visada yra saugus</h3>
<p data-children-count="0"> Kai pirkimo puslapyje įvedate neskelbtiną ir finansinę informaciją, URL (arba svetainės adresas), prasidedantis „https“, nebūtinai reiškia, kad jis yra saugus. Kai kurie sukčiai rado būdų, kaip apeiti saugumo nustatymus. Visada įsitikinkite, kad apsiperkate patikimose parduotuvėse ir mokėjimo svetainėse, kur žinote, kad URL yra patvirtintas ir saugus.
</p>
<h3 data-children-count="0">saugokite vertingiausią savo turtą – savo asmeninę informaciją</h3>
<p data-children-count="0">Pagalvokite dar kartą, jei jūsų paprašys papildomų asmeninių ir neskelbtinų duomenų. Tam tikra informacija yra nesusijusi su jūsų pirkiniais, ypač asmens tapatybės dokumentų, paso informacija, taip pat vairuotojo pažymėjimo numeris ar sveikatos draudimo numeris Jūsų tapatybė gali būti pavogta ir panaudota neteisėtais tikslais. </p>
<h3 data-children-count="0">Neprisiimkite įsipareigojimų visam gyvenimui</h3>
<p data-children-count="0">Kada paskutinį kartą įdėmiai perskaitėte taisykles ir nuostatas? Ilgalaikiai sandoriai gali būti didesnė našta nei atrodo jų sudarymo metu. Galite būti apgaule suvilioti mokėti tūkstančius už produktą, kuris kainuoja tik šimtus.</p>
<h3 data-children-count="0">Pirkdami venkite bankinių pavedimų</h3>
<p data-children-count="0">Sukčiai dažniausiai renkasi banko pervedimus. Naudokite patikimus mokėjimo metodus ir sistemas. Profesionalūs prekybininkai turės svetaines, suteikiančias įvairių mokėjimo galimybių.</p>
<h3 data-children-count="0"> Neapsigaukite mokėdami už suklastotą IT pagalbą</h3>
<p data-children-count="0">Kai kurie sukčiai gali susidaryti įspūdį, kad svetainė, kurioje lankotės, yra „įšaldyta“, ir paraginti paskambinti techninės pagalbos komandai, kad ją pataisytų. Skambučio metu šie sukčiai gali apsimesti kompiuterinių technologijų kompanija ir įtikinti jus, kad jūsų kompiuteryje yra virusų, šnipinėjimo programų ir kitų kenkėjiškų programų. Jei kas nors prašo jūsų paskambinti, kad išspręstumėte IT problemą, greičiausiai geriausia jų neklausyti.</p>
<p data-children-count="0"><br /></p>
<p data-children-count="0"> Tikimės, kad šie kibernetinio saugumo patarimai padės jums nepridaryti klaidų perkant dovanas šventiniam laikotarpiui &mdash; arba kai tiesiog panorėsite save pamaloninti apsipirkimu. Jei turite patarimų, kuriais norėtumėte pasidalinti, mielai juos išgirstume - tiesiog praneškite mums per mūsų<a href="https://facebook.com/mymonese">Facebook</a>, <a href="https://twitter.com/monese">Twitter</a> arba <a href="https://instagram.com/monese">Instagram</a>, arba parašykite <a href="mailto:community@monese.com">community@monese.com</a>.</p>

Mūsų sukčiavimo prevencijos komandos patarimai, kaip netapti sukčių auka apsiperkant internetu

London27.2-min 50390c38ed0094a386d62c09f1033516

Blog post > 10 ways to shop safely on Black Friday

10 būdų saugiai apsipirkti Juodąjį penktadienį

<p>Nuolat stengiamės tobulinti „Monese“ korteles, todėl džiaugiamės pranešdami, kad įdiegėme „3D Secure“ standartą!<br/></p>
<p>„3D Secure“ - dar žinomas kaip 3DS arba <a href="https://www.mastercard.co.uk/en-gb/consumers/features-benefits/securecode.html">„Mastercard SecureCode“</a> – saugesnis būdas apsipirkti internetu. Jis prideda daugiau saugumo, atsiunčiant vienkartinį slaptažodį žinute, prieš atliekant pirkimą. 
</p>
<p>Norime daugiau papasakoti, kaip naudotis šia paslauga ir kodėl tai mums svarbu. 
</p>
<p><br/></p>
<h3>Kaip tai veikia?</h3>
<p> Su „3D Secure“ apsipirkimas internetu yra saugesnis abiems pusėms ir įrodantis, kad būtent kortelės savininkas atlieka atsiskaitymą.
</p>
<p>Saugumas sustiprinamas siunčiant SMS žinutę, kai atsiskaitote „Monese“ kortele internetu.</p>
<figure><img src="//images.ctfassets.net/96dxy75w1gjr/4Moqt5uyPvSmT6Nw7t86QI/f04e3b664a65316d9efb01ba6df4787c/notification_zoomed_2x.jpg" /></figure>
<p><br/></p>
<p>Štai, kaip tai veikia:<br/></p>
<ul><li>Apsipirkite bet kurioje interneto parduotuvėje su „MasterCard SecureCode“ logotipu, naudodamiesi „Monese“ kortele. 
</li><li>Pasirodys iššokantis langas (su „Monese“ logo), kuriame prašoma vienkartinio slaptažodžio</li><li>Gausite SMS žinutę su slaptažodžių (paprastai jį sudaro 6 skaitmenys ir jis galioja 15 minučių) į mobilųjį registruotą mūsų sistemoje.
</li><li>Įveskite slaptažodį ir viskas bus atlikta!<br/><br/>
</li></ul>
<p>Šis procesas yra ypač saugus ir interneto parduotuvė jo niekaip nekontroliuoja.
</p>
<p><br/></p>
<h3>Ką man tai reiškia?</h3>
<p>Tokiu būdu galėsite apsipirkti daugiau vietų internete ir išvengti internetinių sukčių! 
</p>
<p>Kai kurios internetinės parduotuvės, taikančios „3D Secure“ gali atmesti tranzakcijas kortelėmis, kurios nepriklauso programai, tad Jūsų „Monese“ kortelė turėtų veikti pas visus pardavėjus. 
</p>
<p>Dėl saugumo, šis apsauginis žingsnis padeda lengviau apsisaugoti nuo neteisėtų internetinių mokėjimų interneto parduotuvėse. Nors ne visi dar naudojasi „3D Secure“, bet tikimasi, kad apie 80% visų internetinių parduotuvių tai turės 2019 m. pabaigoje. Kortele taip pat galite atsiskaityti ir parduotuvėse, kurios nėra šios programos dalis, tačiau atsiskaitydami nematysite papildomo saugumo lango. Šiuo atveju verta atkreipti dėmesį į keletą <a href="https://monese.com/blog/2018/11/cyber-monday-things-to-remember">saugumo patarimų,</a> kuriais neseniai pasidalinome!
</p>
<p><br/></p>
<h3>Ar turiu dar ką nors žinoti?</h3>
<p>Norint atlikti pirkimus su „3D Secure“, reikia turėti telefoną.
</p>
<p>Pavyzdžiui, jei norite apsipirkti internetu, kol keliaujate užsienyje, turite pasitikrinti, ar gaunate SMS pranešimus (tam bus reikalinga raumingo paslauga).
</p>
<p> Pasikeitus telefono numeriui, reikia nepamiršti jo atnaujinti „Monese“ programėlėje! Jis atsinaujins per 24 valandas ir veiks su „3D Secure“ paslauga.
</p>
<p><br/></p>
<h3>Kaip galiu gauti paslaugą?</h3>
<p>Jei turite JK „Monese“ kortelę galite iš karto naudotis paslauga! Jums nereikia registruotis ir nėra papildomų mokesčių šiai paslaugai. 
</p>
<p>Jums taip pat nereikia instaliuoti specialios programinės įrangos, o mokėjimo procesas gali būti atliktas iš bet kokio įrenginio - kompiuteriu, planšetės ir išmaniųjų telefonų. Visgi, jei naudojate reklamą blokuojančią įrangą, ją gali tekti išjungti tam tikrose svetainėse. 
</p>
<p>Dar dirbame su šios paslaugos pasiūlymu ir europietiškoms kortelėms – kadangi paslaugą norime pasiūlyti daugeliu kalbų.
</p>
<p><br/></p>
<p>Jei turite daugiau klausimų, atsakymų galite rasti <a href="https://support.monese.com/hc/en-gb/sections/115000663429-Monese-Card">Pagalbos centre</a>, arba <a href="https://monese.com/contact">susisiekti</a> su mūsų pagalbos komanda!<br/></p>
<p><br/></p>

We’re rolling out 3D Secure, a safer way to use your Monese card while you’re shopping online.

Layer up with 3D Secure

Monese Card 3D Secure

Monese blue card Mastercard phone text message 3D Secure 

Blog post > Layer up with 3D Secure

Country Tag > United Kingdom

Apsisaugokite su „3D Secure“

<p>Today Marriott International announced it had discovered a data security incident involving its Starwood guest reservation database. The hotel group has detected unauthorised access to guest information relating to reservations at Starwood properties since 2014.</p>
<p>We take your security very seriously. We want to let you know that our team is already hard at work to identify whether any customers have been affected.If we have reason to believe that you may have been affected, then we will be contacting you shortly. 
</p>
<p>If you’re concerned because you may have made transactions with Marriott International, we recommend you use the customer support Marriott International has established. You can find more information on the website it has dedicated to this incident, which you can find <a href="https://answers.kroll.com/">here</a>. 
</p>
<p>If you are notified by Marriott International that you have been affected by this breach, please forward this communication to our support team and we will issue you a new card for you for free.
</p>
<p>As always, if you have any questions about this, <a href="https://monese.com/contact">our support team</a> is here to help.
</p>
<p><br /></p>
<h3>What do we know so far?
</h3>
<p>Marriott believes that this may have affected the information of up to 500 million guests who made a reservation at a Starwood property. 
</p>
<p>Starwood brands include: W Hotels, St. Regis, Sheraton Hotels & Resorts, Westin Hotels & Resorts, Element Hotels, Aloft Hotels, The Luxury Collection, Tribute Portfolio, Le Méridien Hotels & Resorts, Four Points by Sheraton and Design Hotels. Starwood branded timeshare properties are also included.
</p>
<p>The types of affected data include: name, mailing address, phone number, email address, passport number, Starwood Preferred Guest account information, date of birth, gender, arrival and departure information, reservation date, communication preferences – and most importantly, payment card numbers and expiration dates. Marriott is saying that payment card numbers were encrypted, but they also aren’t ruling out the possibility that the encryption method was compromised:
</p>
<p><em>For some, the information also includes payment card numbers and payment card expiration dates, but the payment card numbers were encrypted using Advanced Encryption Standard encryption (AES-128). There are two components needed to decrypt the payment card numbers, and at this point, Marriott has not been able to rule out the possibility that both were taken.</em>
</p>
<p>However, we do know for a fact that all of our current active customers have cards issued after July 2017, when we migrated from Visa to Mastercard, so this would only affect customers with relevant transactions after this date.
</p>
<p><br /></p>
<h3>What are we doing about it?
</h3>
<p>We take your security very seriously, and we want to let you know that our team is already hard at work to identify whether any customers have been affected.
</p>
<p>We will follow up with all our customers who we believe are affected by this. If you are among those affected, we may cancel and reissue your affected Monese cards – this would come at no expense to you - will however be in touch with you directly before we take this action.
</p>
<p><br /></p>
<h3>What should you do? 
</h3>
<p>Since other types of data have been potentially accessed (such as names and email addresses), we also recommend that you watch out for any potential phishing scams, spam emails, or any out of the ordinary communications.
</p>
<p>Marriott says it has begun sending emails to affected guests whose email addresses are in the Starwood guest reservation database. They have also set up a dedicated call center to answer questions about this incident, which is open seven days a week and is available in multiple languages. If you receive any such communication from Marriott, please forward this to our support team and we will issue a new card for you for free.
</p>
<p>Additionally, Marriott is providing its guests with a free year of ‘WebWatcher’. This is a tool that monitors sites where personal information is shared and alerts you if evidence of your personal information is found (however this will only be available to our UK customers).
</p>
<p>Marriott International announced that passport details may have been compromised as part of this breach. Your passport details are incredibly sensitive. If Marriott confirms that your passport details have been affected, we recommend that you check with your passport issuer on the steps you should take next.
</p>
<p>We take every step possible action to protect your financial details and this has always been central to our business operation. <br /></p>
<p>We routinely take proactive measures to ensure that, as much as is possible, your data remains safe and secure. The security of our customers is of utmost importance to us and we will always work to protect you, your details and your finances.
<br /></p>

marriott-breach 50390c38ed0094a386d62c09f1033516

Blog post > Ensuring your security: the Marriott data breach

Ensuring your security: the Marriott data breach

<p> Pristatome „Cyber Monday“! - Tai pasaulinio lygio pardavimų renginys su dideliu asortimentu prekių <em>ir ypač mažomis kainomis</em>.</p>
<p>Apsipirkimo siautulyje gan lengva pasiklysti ir nerūpestingai įsigyti galbūt ne tokį reikalingą internete matytą daiktą. Tai reiškia, kad dažnai galime pražiūrėti ar ignoruoti ženklus, iš kur ir ką perkame.
 </p>
<p>Turėdami tai galvoje, norime pasiūlyti keletą „Monese“ nusikaltimų prevencijos komandos patarimų ir gudrybių, kurios padės saugiau jaustis per „Cyber Monday“ akciją ir apsaugoti savo pinigus nuo neteisėtų operacijų.
 </p>
<p><br /></p>
<h3>Saugi URL</h3>
Įvesdami jautrią finansinę informaciją pasitikrinkite, ar URL prasideda su ‘https’. Simbolis ‘S’ reiškia, kad atsiskaitymas saugus.
<p><br /></p>
<h3>Venkite atsiskaitymų pavedimu</h3>
 Naudokitės tik patikimais atsiskaitymo būdais. Profesionalūs pardavėjai siūlo įvairias atsiskaitymo galimybes. Apgavikai dažnai prašo atsiskaitymų pavedimu.
<p><br /></p>
<h3>Pasitikrinkite dėl užslėptos prenumeratos</h3>
Ar kada nors savo sąskaitoje pastebėjote prenumeratos mokesčių, kurių neužsakėte ir neplanavote? Taip nutinka, kai įsigijant prekę internetu, užsisakote papildomą paslaugą, už kurią mokamas prenumeratos mokestis. Todėl verta dar kartą pasitikrinti sąskaitą.
<p><br /></p>
<h3>Ypač saugokite savo duomenis </h3>
Atlikdami internetinius apsipirkimus, dar kartą įvertinkite, ar prašoma asmeninė informacija yra būtina. Ar Jūsų prašo paso, teisių numerių? Ar net reiklaingas socialinio draudimo numeris? Tokie duomenys yra nebūtini apisperkant. Tokiu būdu gali būti pavogta Jūsų tapatybė ir atlikti neteisėti veiksmai.
<p><br /></p>
<h3>Saugokitės netikros IT pagalbos</h3>
Kai kurie apsimetėliai imituoja tinklapio technines problemas ir prašo skambinti IT pagalbai. Skambučio metu galite būti įtikinti, kad Jūsų kompiuteryje yra begalė virusų. Tokiu būdu perduosite savo jautrią informaciją. 
<p><br /></p>
<h3>Pirkite tik iš patikimų tinklapių</h3>
Pirkdami iš trečiųjų šalių, kaip ir socialinės medijos tinklapių, saugokitės politikos be grąžinimų, nes tai puikus būdas pavogti Jūsų pinigus.

<p>„Monese“ įkūrėjas ir vadovas Norris Koppel taip pat rekomenduoja: “<em>„Cyber Monday“ yra puiki galimybė gauti šaunių pasiūlymų prieškalėdiniu laikotarpiu iš patikimų pardavėjų. Visgi, tai tuo pačiu puiki terpė nusikaltėliams pavogti pinigus iš Jūsų sąskaitos ar net pasisavinti Jūsų jautrią informaciją.“</em></p>
<p><em>„Vartotojai turi būti atidūs apsipirkdami internetu ir įdėmiai įvertinti įtartinus aspektus. Šiomis dienomis stebėkite savo sąskaitą, ar nevyksta įtartinų operacijų. Iškilus abejonėms, susisiekite su kortelės išdavėju ir paprašykite patarimo. Būtina kreiptis, jei manote, kad jau nukentėjote nuo apgavystės.“</em></p>
<p>Laikantis šių paprastų taisyklių, Jūsų „Cyber Monday“ pirkinys nebus prarastas, net jei tik ieškote akcijos naujam telefonui , tai bus paprastas, saugus ir atperkantis prieškalėdinis malonumas.</p>

Here are some tips and tricks on how to keep your money protected during the Cyber Monday sales!

Cyber Monday: Things to remember

Cyber Monday Blog Post@2X

Monese blue vault orange and green characters with sheild, card and phone

Blog post > Cyber Monday: Things to remember

„Cyber Monday“ - ką reikia prisiminti

Security Safe

Vault blue building background hot air balloon windows 

Blog post > An update on the British Airways data breach

An update on the British Airways data breach

<p>Yesterday Cathay Pacific announced it had discovered suspicious activity on its network back in March 2018, and confirmed unauthorised access to some personal data in early May.<br /></p>
<p>A very small number of our customers may have been affected. We’ve been in touch with all of them to let them know that, according to the Cathay Pacific statement, their card details should not have been accessed as part of this breach.</p>
<h3>What information was breached? </h3>
<p>Whilst Cathay Pacific has stated that there is no evidence that any data has been misused, it’s important to note that the following types of personal data of Cathay Pacific and Cathay Dragon passengers were accessed: passenger name; nationality; date of birth; phone number; email; address; passport number; identity card number; frequent flyer programme membership number; customer service remarks; and historical travel information. The combination of data accessed varied for each affected passenger, but no-one’s travel or loyalty profile was accessed in full, and no passwords were compromised.</p>
<h3>What are we doing about it?</h3>
<p>At Monese security is our utmost priority and we want to let you know that we’ve always got your back. When there’s a customer data breach like this, we always check to ensure you, your details and your finances are safe. Since the Cathay Pacific announcement we ran checks for all our customers. A very small number of our customers had transacted with Cathay Pacific. We checked these accounts for any suspicious or unusual activity and we found no suspicious transactions, nor did we find any reports for unauthorised transactions. </p>
<p>We have an exceptional anti-fraud team here at Monese. This team monitors for suspicious activity in real time, all the time. </p>
<h3>What about passport details? </h3>
<p>Cathay Pacific announced that passport details may have been compromised as part of this breach. Your passport details are incredibly sensitive. </p>
<p>If you believe you may have been affected, you can <a href="https://infosecurity.cathaypacific.com/cx/en_HK/hidden-pages/important_info_data_security_event_row.html">submit a request to Cathay Pacific here </a>and the airline will tell you if it has identified your personal data as having been accessed. Cathay Pacific is also offering ID monitoring services to affected passengers.</p>
<p>If Cathay Pacific confirms that your passport details have been affected, we also recommend that you check with your passport issuer on the steps you should take next. </p>
<p>We take every step possible to protect you, your details and your finances. These have been the key foundations of our business since the very beginning. </p>
<p>If you have any questions about this, <a href="https://monese.com/contact">our support team</a> is always here to help!</p>
<p>We love lifting the bonnet here at Monese HQ and showing you who, and how we go about keeping you, your details and your finances safe. Expect more on this in the coming weeks&hellip; </p>

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