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We're with you on the go (Global)

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. 

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

### 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

Proteggere i tuoi soldi è sempre stata la nostra priorità numero uno ed è al centro di tutto ciò che facciamo qui a Monese. Abbiamo sviluppato tecnologie innovative e protocolli di sicurezza per proteggerti dalle frodi. Puoi stare tranquillo che i tuoi dati personali, il tuo conto e il tuo denaro sono sempre al sicuro con noi.

Ma sapevi che ci sono anche cose che puoi fare tu in prima persona per rimanere protetto? Vogliamo condividere con te alcuni suggerimenti per aiutarti a fare proprio questo. 

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

### Iscriviti a Monese con il tuo telefono
Iscriversi a Monese con il telefono di un'altra persona può mettere te e il tuo conto a rischio di frode, per questo lo sconsigliamo vivamente. Quando ti iscrivi a Monese, assicurati di utilizzare il tuo dispositivo mobile personale per registrarti e non accedere con il telefono di un'altra persona. E ricordati di non dare le tue credenziali di accesso a nessun altro.

### Imposta un codice di accesso sicuro
Il codice d'accesso è la chiave personale per il tuo conto Monese. Non dovresti mai condividerlo con nessuno e assicurati che sia un codice che non usi per nient'altro. Se dovessi dimenticarlo, puoi reimpostarlo facilmente una volta verificata la tua identità. Puoi anche sfruttare le nostre opzioni di accesso biometriche come il riconoscimento delle impronte digitali o il Face ID per accedere alla app con maggiore sicurezza.

### Usa la modalità Privacy in pubblico
Se ti trovi con altre persone, mantieni privati il tuo saldo e gli importi delle transazioni aprendo l'app in modalità privacy. Una volta nell'app, puoi anche attivarla scuotendo il telefono!

### Paga con il tuo telefono
Con Monese puoi pagare con un semplice clic sul telefono. Configurando le tue carte su Apple Pay o Google Pay, puoi pagare in negozio ovunque sia esposto il simbolo contactless. Per un ulteriore livello di sicurezza, il telefono genererà un codice univoco per ogni transazione (detto anche token). In questo modo, i dati della tua carta non vengono mai condivisi con il commerciante.

### Hai perso la tua carta? Bloccala
Lo sapevi che puoi bloccare facilmente e velocemente la tua carta dall'app se dovessi perderla? Questo impedirà a chiunque dovesse trovare la tua carta di utilizzarla. Se poi dovessi ritrovare la tua carta, puoi sbloccarla altrettanto velocemente, sempre dall'app. Se invece proprio non riesci a ritrovare la tua carta, puoi segnalarla come smarrita o rubata direttamente dall'app. Poi, richiedi direttamente anche la tua nuova carta dall'app e te ne invieremo una nuova al tuo indirizzo il prima possibile!

### Controlla le tue transazioni
È una buona idea tenere d'occhio le transazioni in uscita regolarmente per prevenire e individuare in anticipo qualsiasi attività fraudolenta. Questo è particolarmente importante quando sei in viaggio. Le cose a cui fare attenzione sono addebiti doppi, rimborsi mancanti o spese non autorizzate. Se ti accorgi di qualcosa di strano, blocca subito la tua carta. Contatta il nostro team di assistenza clienti per segnalare la tua situazione. Ti faremo sapere come possiamo aiutarti e consigliarti le misure migliori da intraprendere a seconda del problema.

### Tieni aggiornati l'app e il tuo telefono
È fondamentale tenere aggiornati il telefono e l'app Monese. Anche se un aggiornamento dell'app non contiene molte nuove funzionalità, è comunque importante scaricarlo. Ti consentirà di essere protetto con i sistemi più recenti per tenere al sicuro te e il tuo conto.

### Non divulgare informazioni private sui forum pubblici
Ci piace conoscere la tua opinione sui canali della nostra community. Tuttavia, tieni presente che le nostre pagine sono pubbliche, il che significa che tutti i contenuti, inclusi i tuoi commenti, possono essere visualizzati da chiunque! Pertanto, non pubblicare informazioni sensibili come dettagli del conto, documenti, codici di accesso, indirizzi e-mail, numeri di telefono o qualsiasi altra cosa che possa compromettere la tua sicurezza come utente. Inoltre, ricordati che non possiamo discutere questioni specifiche relative al tuo conto sui social media. Se hai problemi o domande specifiche, contatta direttamente il nostro team di assistenza clienti.

Lavoreremo sempre per proteggere te, i tuoi dati e i tuoi fondi. Se hai domande, non esitare a contattarci su [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/Monese), [Instagram](https://instagram.com/monese) o scrivici all'indirizzo [community@monese.com](mailto:community@monese.com).

01-Password-Protection 3f4868c4b26d42bdbc5c1cc73be46c1f

Blog post > Keeping your Monese account protected

Proteggere il tuo conto Monese

Ecco alcuni suggerimenti per rimanere al sicuro



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

È facile cadere in possibili truffe su Internet. Succede anche alle persone più esperte. I criminali online e i loro metodi diventano ogni giorno più sofisticati. Vengono create costantemente strategie nuove e complesse per ingannare e derubare persone innocenti. Può essere difficile rimanere aggiornati su tutte le bufale pensate da questi imbroglioni. Dai siti Web falsi che sono praticamente identici agli originali alle e-mail fraudolente che sembrano assolutamente legittime, sta diventando sempre più difficile distinguere tra ciò che è vero e ciò che è falso.

Ecco perché vogliamo aiutarti a evitare questi sfortunati incontro. La nostra prima priorità è sempre quella di proteggere te e il tuo denaro. Per fare ciò, vogliamo assicurarci che tu sia a conoscenza di alcune cose, e in particolare come noi di Monese ci mettiamo in contatto con te, come distinguere se sei sul sito web o su una pagina social ufficiali di Monese, e quali sono le informazioni che non ti chiederemmo mai.

## Le nostre pagine ufficiali

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

Per essere sicuro di essere sul nostro vero sito Web, assicurati di controllare attentamente il link. Tieni presente che tutte le nostre pagine web hanno come dominio __monese.com__ (questo include anche i relativi sotto domini tipo __support.monese.com__). È importante essere consapevoli, tuttavia, che abbiamo anche partner affiliati. Se ti capita di incontrarne uno, assicurati che tutti i link rimandino sempre a monese.com o alle nostre app su [Google Play](https://play.google.com/store/apps/details?id=com.monese.monese.live&hl=en) e [App Store](https://apps.apple.com/app/monese-a-banking-alternative/id1102793407).

Le seguenti sono le nostre pagine ufficiali sui social media:

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

Siamo anche su [Glassdoor](https://www.glassdoor.com/Overview/Working-at-Monese-EI_IE2235621.11,17.htm) e [Workable](https://apply.workable.com/monese/). Per Facebook, Twitter e Instagram (tranne [@moneselife](https://www.instagram.com/moneselife/)), fai attenzione al segno di verifica per sapere se siamo davvero noi (la spunta accanto al nostro nome). Le pagine descritte sopra sono le nostre uniche pagine sui social media. Se vi imbattete in qualsiasi altra pagina o sito, [fatecelo sapere subito](mailto:support@monese.com). Segnaliamo quelli falsi non appena ne veniamo a conoscenza e facciamo del nostro meglio per tenerli a bada.

Alcuni truffatori risponderanno anche ai tuoi commenti, sulle nostre pagine della community o altrove, fingendo di essere Monese. Vale la pena fare clic sul profilo per verificare che provenga effettivamente da una delle nostre pagine social ufficiali prima di fidarsi. Ancora una volta, facciamo del nostro meglio per tenere il passo con le pagine false e lavoriamo sempre per eliminarle il prima possibile.

## Come contattarci

![body-visual-1-V1](//images.ctfassets.net/96dxy75w1gjr/6dgvjeOQ4dmaoxLCF1yeRq/4d4867161e6bda251253c42d73ff51ec/body-visual-1-V1.jpg)

Ecco i modi in cui puoi contattarci e quelli in cui potremmo contattarti noi, se necessario. Innanzitutto, ci sono 3 modi diversi per contattare il nostro team di assistenza clienti in caso di domande o problemi relativi al tuo conto Monese:

- __Email__: Puoi scriverci a [support@monese.com](mailto:support@monese.com), ma assicurati che provenga dall'indirizzo email che hai usato per aprire il tuo conto Monese.
- __Chat in-app__: Apri l'app e seleziona "Altro", e poi "Supporto". Ti mostreremo le domande più frequenti — e se non trovi la risposta che stai cercando, puoi iniziare una chat con noi.
- __Telefono__: Per cose urgenti puoi anche chiamarci in una delle 14 lingue supportate. Tieni presente che i tempi di attesa possono essere lunghi, a seconda di quante chiamate ci sono in attesa. Quando ci chiami, ti faremo sempre domande di sicurezza per confermare la tua identità prima di procedere a discutere i dettagli del conto.

Tieni presente che non possiamo entrare nei dettagli del tuo conto tramite i nostri canali social media anche se si tratta di messaggi privati — avremo sempre bisogno che tu utilizzi uno dei canali di cui sopra. Parlando di social media, come indicato nelle nostre [linee guida relative alle community](https://monese.com/gb/it/community-guidelines?l=c), per favore non pubblicare commenti pubblici con informazioni sensibili come dettagli del conto, documenti, codici di accesso, indirizzi e-mail, numeri di telefono o qualsiasi altra cosa che possa compromettere la tua sicurezza. Noi li rimuoveremo ovunque non appena possibile, ma i truffatori potrebbero vederli prima e usarli per colpirti!

## Come ci metteremo in contatto con te

![body-visual-2v-V1](//images.ctfassets.net/96dxy75w1gjr/7mwU7nJJl9bP8RlrZtzPDK/ab6176bc06e55b7944352674bf73a2c3/body-visual-2v-V1.jpg)

A volte ci metteremo in contatto via e-mail. Di solito lo facciamo dall'indirizzo mail [support@monese.com](mailto:support@monese.com), ma utilizziamo anche altri indirizzi email. Per assicurarti che sia una nostra vera e-mail, controlla attentamente l'indirizzo, fai attenzione agli errori di battitura e verifica che provenga da un dominio __monese.com__ (o da un sotto dominio come __news.monese.com__). Tieni presente che gli indirizzi email possono essere "falsificati" (ad esempio, facendo sembrare che provengano da noi), quindi leggi l'e-mail e verifica che non menzioni qualcosa che non ti chiederemmo mai (scopri di più di seguito).

Se non sei sicuro che un'email sia ufficiale o ricevi un'email da qualsiasi altro dominio che afferma di essere qualcuno di Monese o che agisce per nostro conto, ti preghiamo di comunicarcelo subito. Inoltra l'email a [support@monese.com](mailto:support@monese.com) così da verificare assieme a noi.

Potremmo avere bisogno di chiamarti per parlare con te. Se lo facciamo, di solito sarà dal nostro numero del Regno Unito (+44 1706 304 001), ma la chiamata potrebbe anche provenire da uno qualsiasi dei numeri elencati nella nostra pagina Contatti. Se ti chiamiamo, ci presenteremo sempre per primi e ti spiegheremo subito il motivo per cui ti stiamo chiamando. Se in qualsiasi momento hai dei dubbi sul fatto che siamo noi a chiamare, riaggancia e richiamaci al numero che trovi sul retro della tua carta (non ci offenderemo, promesso).

È importante tu sappia che non faremmo mai quanto segue:

- Non ti chiameremo o manderemo mai un'e-mail chiedendoti di trasferire denaro su un altro conto.
- Non useremo mai i social media per contattarti in merito al tuo conto o per chiederti informazioni al riguardo.
- Non ti chiederemo mai il numero completo della carta, la data di scadenza, il codice CVV o PIN, il passcode dell'app, i codici di sicurezza che ricevi via SMS o qualsiasi password personale.

## Cosa posso fare se sono stato vittima di una frode?

Per prima cosa, mantieni la calma. Se noti una transazione con carta che non sei stato tu a fare, blocca immediatamente la tua carta utilizzando l'app per evitare qualsiasi ulteriore uso sospetto della tua carta o delle tue informazioni. Poi, o per qualsiasi altra cosa diversa da una transazione non riconosciuta, chiama il nostro team di assistenza clienti per segnalare la tua situazione. Ti faremo sapere come possiamo aiutarti. Ti consiglieremo i passi migliori da seguire in base al tuo problema. Ogni paese ha anche la propria [autorità ufficiale](https://www.europol.europa.eu/report-a-crime/report-cybercrime-online) per la segnalazione del crimine informatico. Se ti trovi nel Regno Unito, ad esempio, puoi segnalare la tua situazione a [Action Fraud](https://www.actionfraud.police.uk/).

Ricordati di stare al sicuro e di essere sempre vigile!

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

Tutto quello che devi verificare quando parli con il nostro Team

Come puoi essere sicuro di parlare davvero con noi

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

Non c'è niente di più frustrante, preoccupante o spiazzante che aprire la tua app Monese e scoprire che il tuo conto è stato bloccato. Ci rendiamo conto che non è una situazione piacevole, soprattutto se pensi di non aver fatto nulla di male. Davvero.

Questa realtà emerge spesso nella nostra community, ecco perché ci teniamo a spiegare perché potremmo (in rare occasioni) dover bloccare un conto.

Innanzitutto, è importante sapere che il nostro obiettivo è fornire servizi finanziari sicuri, protetti e leciti. La nostra prima priorità è sempre quella di proteggere te e il tuo denaro. Per fare ciò, seguiamo una serie rigorosa di linee guida stabilite dalla [Financial Conduct Authority](https://www.fca.org.uk/) (FCA) e dalla [National Bank of Belgium](https://www.nbb.be/en) (NBB), a seconda di dove vivi. Ciò significa che a volte dobbiamo bloccare — o persino chiudere — un conto che non rispetta determinati requisiti.

Potremmo anche aver bisogno di bloccare o chiudere il tuo conto se riteniamo che venga utilizzato come descritta ai paragrafi 2.41 e 2.42 dei nostri [Termini e condizioni](https://monese.com/eu/terms), come:

- uso non autorizzato del tuo conto o carta Monese
- uso del tuo conto o carta Monese in modo negligente o fraudolento o per altri scopi illegali
- informazioni inesatte fornite dall'utente durante in occasione dell'apertura del conto

Tutte le banche, gli istituti finanziari e molti altri tipi di attività devono rispettare le stesse norme FCA o NBB. Anche se potrebbe non sembrare sempre corretto, non blocchiamo mai un conto senza una buona ragione.

## Lotta al crimine finanziario

![fighting-financial-crime](//images.ctfassets.net/96dxy75w1gjr/0q6GdKXcfOcMNQbQoN6sU/0562d3f9ca4119589c651578b8e431e4/fighting-financial-crime.png)

La normativa più importante che protegge il tuo conto con noi è il regolamento sul riciclaggio di denaro, sul finanziamento del terrorismo e sul trasferimento di fondi (informazioni sul pagatore) del 2017 ([MLR 2017](http://www.legislation.gov.uk/uksi/2017/692/contents/made)). Se sospettiamo attività illegali, per legge, dobbiamo agire immediatamente. L'uso criminale dei nostri servizi non è nell'interesse di nessuno — né tuo, né nostro — e prendiamo molto sul serio la questione.

Siamo anche membri dell'agenzia di intelligence sulle frodi [CIFAS](https://www.cifas.org.uk/), che ci aiuta a rimanere in costante comunicazione con altri servizi bancari e a fornire informazioni sulla lotta alla criminalità informatica.

Per aiutarci a rilevare attività insolite, disponiamo di sistemi all'avanguardia. Questi svolgono un ruolo importante nel proteggere i tuoi soldi dai criminali che potrebbero tentare di accedere al tuo conto Monese. E non è solo per te — noi stessi non vogliamo che i nostri prodotti vengano utilizzati per reati finanziari.

## Conoscerti

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

Quando ti iscrivi con noi, una delle prime cose che facciamo è un controllo "Conosci il tuo cliente" (KYC). Questo è un processo che utilizziamo per comprendere meglio il tuo profilo finanziario e il tuo comportamento. In particolare, dobbiamo essere in grado di:

- essere sicuri che tu sia chi dici di essere
- valutare qualsiasi rischio coinvolto nelle tue finanze
- monitorare i tuoi pagamenti, i trasferimenti e il saldo delle tue ricariche
- avere informazioni corrette e aggiornate su di te

Puoi saperne di più su questi requisiti sul sito Web della [FCA](https://www.fca.org.uk/firms/knowing-customer-assessing-needs).

Per salvaguardare te e la nostra attività, eseguiamo controlli regolari su tutti — ciò spesso ci porta al prossimo passaggio.

## A volte, abbiamo bisogno di ulteriori informazioni

![need-more-information](//images.ctfassets.net/96dxy75w1gjr/5zhLVxYBUjj0xvultsgNWx/612859d5045b7021765dab95b97b126b/need-more-information.png)

Se non dovessimo avere tutti i dati di cui abbiamo bisogno, ti contatteremo, di solito via e-mail, per saperne di più.

A volte, potrebbe essere necessario effettuare un controllo di sicurezza per accertarci che nessun'altro stia utilizzando il tuo conto. Ciò non significa che tu abbia fatto qualcosa di sbagliato — dovremo solo farti alcune domande per verificare che tu non sia stato esposto ad alcun rischio per la sicurezza.

Se non riusciamo a verificare chi sta utilizzando il tuo conto e perché, ciò significa che non stiamo rispettando le linee guida KYC e che potremmo violare le norme sul riciclaggio di denaro, un crimine potenzialmente grave.

Pertanto, se ti inviamo un'email per richiedere ulteriori informazioni e documenti giustificativi, ti preghiamo di contattarci al più presto così da poter tenere il tuo conto aperto e utilizzabile.

Tutto ciò ci aiuta a garantire che il tuo conto, le informazioni personali e il denaro siano sempre al sicuro. Vedrai che tutto quanto sopra è trattato ai nostri [Termini e condizioni](https://monese.com/terms).

Sulla base di alcuni degli scenari sopra descritti, qui puoi trovare un elenco di cose che potrebbero accadere con il tuo conto, unitamente a informazioni relative a cosa puoi fare al riguardo.

## Se la tua transazione è ancora in sospeso

![pending-payment](//images.ctfassets.net/96dxy75w1gjr/MFAM0KgdgPF6vUfuJWLUh/8dfd52fc40a6addabcc5562d7f612ceb/pending-payment.png)

Se stai inviando o aspettando di ricevere denaro, a volte capita che ciò richieda più tempo del solito.

Innanzitutto, tieni presente che i trasferimenti dipendono sempre dai tempi di elaborazione dell'altra banca. Ti consigliamo inoltre di considerare anche che alcuni trasferimenti non vengono elaborati nei fine settimana e nei giorni festivi, quindi pianifica un tempo extra se devi inviare in uno di questi giorni.

A parte ciò, potremmo dover eseguire un controllo di sicurezza prima di elaborare il trasferimento. In tal caso, ti contatteremo e ti chiederemo ulteriori dettagli (come la fonte dei fondi o il motivo del trasferimento). Fai attenzione alle nostre e-mail e rispondici con le informazioni di cui abbiamo bisogno il prima possibile, in modo da poter autorizzare il trasferimento.

## Se abbiamo bloccato il tuo conto

Quando il tuo conto è bloccato, limiteremo il tuo accesso all'app Monese e i pagamenti della tua carta Monese non verranno effettuati. In tal caso, ti informeremo immediatamente, di solito tramite e-mail, e ti spiegheremo cosa fare.

Comprendiamo che avere il tuo conto bloccato può essere davvero problematico, ma sfortunatamente non possiamo sempre dirti perché ciò accade. Se ciò dovesse accadere, faremo tutto il possibile per ripristinarlo il più rapidamente possibile. Per velocizzare il processo, ecco cosa puoi fare:

- Fai attenzione alle e-mail o ai messaggi da parte nostra che ti spiegano cosa fare.
- Rispondi a tutte le domande che ti facciamo nel modo migliore, dettagliato e il più rapidamente possibile.

## Se abbiamo bloccato il tuo conto

In rari casi, potrebbe essere necessario chiudere il tuo conto. Ciò significa che il tuo accesso a Monese viene annullato definitivamente e non sarai in grado di riattivare o aprire un altro conto con noi.

Sappiamo che ciò può essere frustrante. In tal caso, ti invieremo un'email in cui verranno descritte alcune delle ragioni per cui ciò potrebbe essere avvenuto.

Se chiudiamo un conto, di solito è a causa di uno dei seguenti motivi:

- Non siamo stati in grado di comprendere l'attività del conto;
- o i nostri sistemi hanno rilevato qualcosa che sospettiamo essere un rischio per te, altri clienti o noi;
- o le forze dell'ordine ci hanno specificamente incaricato di farlo.

Se non diversamente indicato, di solito ti restituiremo tutti i soldi rimanenti, non appena ci avrai fornito i dettagli di un altro conto a cui possiamo inviare il denaro.

Ci auguriamo che le norme ed i regolamenti che seguiamo sono fatte per proteggere te, gli altri clienti Monese e noi stessi dai criminali. A Monese, lavoriamo sempre per stare al passo con i reati finanziari e garantire la sicurezza dei nostri clienti.

Se hai altre domande, visita la nostra sezione FAQ per ulteriori dettagli. È inoltre possibile ottenere ulteriori informazioni sul sito Web [FCA](https://www.fca.org.uk/about/the-fca "About the FCA") .

Sometimes we have to temporarily block or even close accounts  — here’s why.

Why is my Monese account blocked?

hero-blocked-account-v1-1 50390c38ed0094a386d62c09f1033516

Blog post > Why is my Monese account blocked?

A volte dobbiamo bloccare temporaneamente o persino chiudere i conti — ecco perché.

Perché il mio conto Monese è bloccato?

<p data-children-count="0">Il Black Friday e il Cyber Monday sono quasi arrivati, e le offerte sono già iniziate. È la stagione in cui i rivenditori e gli appassionati di shopping gioiscono perché i prezzi sono scontati - ma è anche il momento migliore per gli hacker e i micro criminali informatici per approfittarne e cercare di rubare i tuoi soldi, arrivare al tuo conto bancario, o anche mettere le mani sui tuoi dati personali e causare gravi danni.<br></p>
<p data-children-count="0">La sicurezza negli acquisti online è qualcosa a cui tutti dovremmo pensare ogni giorno dell'anno. Ma durante i periodi di maggiore afflusso, le probabilità di cadere preda degli imbroglioni sono più alte. Circondati da imbattibili OFFERTE SPECIALI e OFFERTE ALL'80% DI SCONTO, è facile perdere il controllo e lasciarsi tentare.
</p>
<p data-children-count="0">Ma la buona notizia è che c'è molto che puoi fare per stare al sicuro. Il nostro team antifrode ha messo insieme alcuni suggerimenti per fare in modo che la tua avventura di shopping non finisca per essere molto più costosa del previsto...</p>
<h3 data-children-count="0">È troppo bello per essere vero?</h3>
<p data-children-count="0"> I truffatori di solito cercano di venderti cose a prezzi molto inferiori al valore di mercato. Quindi, se trovi un iPhone 11 a £150 (che normalmente costa circa £750), è meglio stare alla larga. Non lasciare che gli affari loschi offuschino il tuo giudizio. </p>
<h3 data-children-count="0">Evita le trappole nascoste nella sottoscrizione di abbonamenti</h3>
<p data-children-count="0">Controllare regolarmente le transazioni è sempre una buona idea, ma può essere particolarmente utile nei prossimi giorni. Hai visto una spesa ricorrente che non ha senso? Allora probabilmente siete stati indotti ad acquistare prodotti o servizi aggiuntivi di cui non avevate bisogno. In caso di dubbi, o se ritieni di essere caduto in una truffa, blocca la tua carta e contatta il tuo fornitore del contoper chiedere consigli. Puoi anche usare una carta virtuale quando fai acquisti online, è sicura e può essere facilmente bloccata e sbloccata dopo aver pagato.</p>
<h3 data-children-count="0">Blocca le finestre pop-up</h3>
<p data-children-count="0">Solo poche finestre pop-up sono autentiche. Spesso ti fanno credere di poter facilmente ottenere gratis qualcosa di valore semplicemente registrandosi per un'altra "offerta" e magari anche invitando alcuni dei tuoi amici. La cosa migliore da fare è cambiare le impostazioni del browser (o provarne <a href="https://brave.com/">uno nuovo</a>) per bloccarle.
</p>
<h3 data-children-count="0">Stai attento con gli acquisti dall'estero</h3>
<p data-children-count="0">Se stai pensando di acquistare qualcosa di speciale, presta particolare attenzione quando ordini da aziende al di fuori del tuo paese, perché i problemi possono sorgere facilmente - la consegna e i resi possono essere problematici (o molto costosi), e la mancata conoscenza dei metodi di pagamento può aumentare il rischio di avere i dati della carta di credito compromessi.
</p>
<h3 data-children-count="0">Attenzione alle offerte "esclusive"</h3>
<p data-children-count="0">Stai acquistando da un noto e rispettabile sito web, ma poi vieni improvvisamente contattato privatamente (ad esempio, su una piattaforma di social media) per un accordo che è troppo bello per essere vero? Allora è meglio lasciare perdere la transazione.
</p>
<h3 data-children-count="0">Non dare per scontato che 'https' sia sempre sicuro</h3>
<p data-children-count="0">Quando si inseriscono informazioni sensibili e dati bancari in una pagina di acquisto, un URL (o indirizzo del sito web) che inizia con 'https' non significa necessariamente che sia sicuro. Alcuni truffatori hanno trovato il modo di aggirare questo problema. Assicurati sempre di utilizzare rivenditori e siti di pagamento di fiducia, dove sai che l'URL è verificato e sicuro.
</p>
<h3 data-children-count="0">Proteggi il tuo bene più prezioso, i tuoi dati</h3>
<p data-children-count="0">Pensaci due volte se ti vengono richiesti ulteriori dati personali e sensibili. Ci sono dettagli che sono irrilevanti per il tuo acquisto quando fai acquisti online, in particolare la tua carta d'identità, il passaporto, il numero della patente di guida o il numero della previdenza nazionale. La vostra identità potrebbe finire per essere "rubata" e utilizzata per commettere cose senza scrupoli.
</p>
<h3 data-children-count="0">Non firmare senza leggere</h3>
<p data-children-count="0">Quando è stata l'ultima volta che hai letto i termini e le condizioni? Le sottoscrizioni che ti legheranno a lungo termine possono essere un peso maggiore di quanto ti sembri adesso. Si può essere truffati e costretti a pagare migliaia di euro per un prodotto che ne costa solo centinaia.
</p>
<h3 dati-bambini-conteggio="0">Evita di acquistare con bonifici bancari</h3>
<p data-children-count="0">I truffatori tendono a preferire i bonifici bancari. Quindi cerca di utilizzare metodi e sistemi di pagamento affidabili. I commercianti professionisti avranno siti web che supportano una varietà di opzioni di pagamento.
</p>
<h3 data-children-count="0">Non farti ingannare pagando un falso supporto IT</h3>
<p data-children-count="0">Alcuni truffatori possono dare l'impressione che il sito web che stai visitando sia 'congelato' e ti esortano a chiamare un team di supporto per risolvere il problema. Durante la telefonata, questi falsari possono mascherarsi da grandi aziende informatiche e convincerti a credere che il tuo computer sia pieno di virus, spyware e altro malware. Se qualcuno ti chiede di chiamare per risolvere un problema informatico, è meglio ignorarlo.
</p>
<p data-children-count="0"><br></p>
<p data-children-count="0">Speriamo che questi consigli per la tua sicurezza informatica ti aiuteranno quando sfarai acquisti per le prossime feste &mdash; o regalandoti un po' di shopping terapeutico. Se hai qualunque altro consiglio da condividere, faccelo sapere - basta candividerlo tramite il nostro <a href="https://facebook.com/mymonese">Facebook</a>, <a href="https://twitter.com/monese">Twitter</a> o <a href="https://instagram.com/monese">Instagram</a>, oppure a <a href="mailto:community@monese.com">community@monese.com</a>.
</p>

Suggerimenti da parte del nostro gruppo anti frodi su come evitare di essere truffati in occasione degli acquisti online

10 modi per fare acquisti sicuri

London27.2-min 50390c38ed0094a386d62c09f1033516

Blog post > 10 ways to shop safely on Black Friday

10 modi per fare acquisti sicuri durante il Black Friday

<p>Lavoriamo sempre per migliorare le tue carte Monese e siamo lieti di annunciare che stiamo implementando 3D Secure!<br></p>
<p>3D Secure - noto anche come 3DS o <a href="https://www.mastercard.co.uk/en-gb/consumers/features-benefits/securecode.html">Mastercard SecureCode</a> - è il modo più sicuro per fare acquisti online perchè offre un livello di sicurezza aggiuntivo, fornendoti via messaggio una password monouso da digitare prima di completare l'acquisto.
</p>
<p>Vorremmo dedicare un po' di tempo alla spiegazione di questa funzione, come usarla, e perché è un'aggiunta importante al nostro servizio.
</p>
<p><br></p>
<h3>Quindi come funziona?</h3>
<p>3D Secure rende lo shopping online più sicuro sia per te che per te rivenditori, autentificando che sei tu, il titolare della carta, che effettua la transazione al momento dell'acquisto.
</p>
<p>Questa maggiore sicurezza deriva da un messaggio SMS che ti viene inviato ogni qualvolta effettui una transazione online utilizzando la tua carta Monese.</p>
<figure> <img src="{asset:3694:url}"></figure>
<p><br></p>
<p>Ecco come funziona:<br></p>
<ul><li>Acquista in qualsiasi negozio online con il logo MasterCard SecureCode, utilizzando la tua carta Monese per pagare </li><li>Apparirà una finestra pop-up (che mostra il logo Monese), che richiede una password unica
</li><li>Riceverai un messaggio SMS con la password - di solito è un semplice codice a sei cifre valido per 15 minuti - sul numero di cellulare che hai registrato con noi
</li><li>Digita la password e il gioco è fatto!<br>
<br>
</li></ul><p>È importante sottolineare che questo processo è completamente protetto e il negozio online non ha accesso ad esso.
</p>
<p><br></p>
<h3>Che cosa significa per me?</h3>
<p>Significa che avrai più posti in cui fare acquisti online, con una minore possibilità di essere vittima di frodi con le carte!
</p>
<p>Alcuni negozi online registrati in 3D Secure hanno la possibilità di rifiutare transazioni che coinvolgono carte che non sono incluse nel programma, quindi la tua carta Monese ora dovrebbe funzionare su tutte (o la maggior parte) di queste.
</p>
<p>Sul fronte delle frodi, questo livello di sicurezza rende molto più facile proteggersi da transazioni online non autorizzate nei negozi online aderenti. Non tutti utilizzano ancora 3D Secure, ma è previsto che circa l'80% di tutti i negozi online aderirà entro la fine del 2019. È comunque possibile utilizzare la carta per acquistare in negozi che non fanno parte di questo programma, ma il pop-up aggiuntivo di verifica non verrà visualizzato. In questo caso, consigliamo sempre di fare attenzione: dai un'occhiata ad alcuni <a href="https://monese.com/blog/2018/11/cyber-monday-things-to-remember">suggerimenti sulla sicurezza</a>che abbiamo condiviso di recente!
</p>
<p><br></p>
<h3>C'è qualcosa a cui devo fare attenzione?</h3>
<p>Ricordati che avrai bisogno di avere il tuo telefono con te per completare gli acquisti di 3D Secure.
</p>
<p>Ad esempio, se vuoi fare acquisti online mentre viaggi all'estero, devi assicurarti di poter ricevere SMS (il che potrebbe significare che devi avere il roaming abilitato).
</p>
<p>E se cambi il tuo numero, non dimenticare di aggiornarlo subito nella tua app Monese! Sarà così automaticamente trasferito al servizio 3D Secure entro 24 ore.
</p>
<p><br></p>
<h3>Come ottenerlo?</h3>
<p>Se hai una carta Monese del Regno Unito, è automatico! Non è necessario registrarsi e non ci sono costi aggiuntivi per utilizzare il servizio.
</p>
<p>Inoltre non è necessario installare alcun software speciale e il processo di pagamento può essere effettuato da qualsiasi dispositivo abilitato per il Web compresi PC, laptop, tablet e smartphone. Tuttavia, se utilizzi qualsiasi tipo di software di blocco degli annunci, ti potrebbe essere richiesto di disattivarlo su determinati siti.
</p>
<p>Stiamo ancora lavorando per aggiungere il supporto per le carte Euro: ci vorrà un po' più di tempo per offrire il servizio nel maggior numero possibile di lingue.
</p>
<p><br></p>
<p>Se hai altre domande, non esitare a dare un'occhiata al nostro <a href = "https://support.monese.com/hc/en-gb/sections/115000663429-Monese-Card"><assistenza clienti</a> o <a href="https://monese.com/contact">mettiti in contatto</a>con il nostro team di supporto!<br></p>
<p><br></p>

Monese Card 3D Secure

Monese blue card Mastercard phone text message 3D Secure 

Blog post > Layer up with 3D Secure

Country Tag > United Kingdom

Saliamo di livello con 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>

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Blog post > Ensuring your security: the Marriott data breach

Ensuring your security: the Marriott data breach

<p>Il Cyber Monday è arrivato! - Ed è, come sempre, un vero e proprio evento colossale di vendite in tutto il mondo, ricco di occasioni uniche con una vertiginosa serie di offerte, tutte a <em>prezzi bassissimi.</em></p>
<p>È tutto talmente facile da lasciare un po' disorientati nella scelta a causa della frenesia dello shopping che coinvolge tutti e forse ci fa dimenticare della nostra personale ricerca di quel must have che abbiamo visto online. Ciò significa che spesso possiamo non accorgerci, o ignorare, quei segnali di avvertimento che ci dicono che ciò che stiamo acquistando e dove acquistiamo potrebbe non essere esattamente come sembra.
</p>
<p>A tal proposito, abbiamo pensato che sarebbe utile un elenco con alcuni suggerimenti e consigli - forniti dal Team anti frode di Monese - che dovrebbe aiutare a tenere i consumatori al sicuro durante gli eccessi del Cyber Monday, e contribuire a mantenere il loro denaro protetto da eventuali accordi loschi.
</p>
<p><br></p>
<h3>Blocco URL</h3>
<p> Quando inserisci informazioni sensibili, in particolare informazioni finanziarie in una pagina di acquisto, assicurati che l'URL inizi con "https". La "S" significa che è sicuro.
<p><br></p>
<h3>Evita acquisti tramite bonifico bancario</h3>
Prova a utilizzare solo fonti di pagamento attendibili. I commercianti professionisti di solito hanno siti Web che supportano una varietà di opzioni di pagamento. I truffatori tendono a preferire i bonifici bancari.
<p><br></p>
<h3>Fai attenzione alle sottoscrizioni trappola "nascoste"</h3>
Hai mai controllato il tuo conto notando addebiti ricorrenti che non ti aspettavi e che non ha richiesto? Una sottoscrizioni trappola si verifica quando un consumatore acquista online e viene indotto a comprare prodotti o servizi aggiuntivi di cui non ha bisogno. Questi tipi di trappole abbonamento accadono spesso. Nei prossimi giorni, controlla molto attentamente il tuo saldo.
<p><br></p>
<h3>Proteggi il tuo bene più prezioso, i tuoi dati</h3>
Quando effettui acquisti online, pensaci due volte se ti viene chiesto di aggiungere ulteriori informazioni personali e dati sensibili. Ti vengono richiesti ID, passaporto o numero di patente? O anche numeri di assicurazione nazionale? Questi dettagli sono irrilevanti per il tuo acquisto. La tua identità potrebbe finire per essere "rubata" e usata per commettere azioni senza scrupoli.
<p><br></p>
<h3>Fai attenzione ai falsi "Supporto IT</h3>
Alcuni truffatori ricorrono all'espediente che dà all'utente l'impressione che il sito web che sta visitando sia 'congelato' e lo esortano a chiamare un team di supporto per risolvere il problema. Durante la telefonata, questi truffatori possono mascherarsi come grandi aziende di computer e convincerti a credere che il tuo computer sia pieno di virus. In realtà, non lo è e tu hai fornito loro informazioni sensibili inutilmente.
<p><br></p>
<h3>Acquista solo da siti attendibili</h3>
 L'acquisto da venditori di terze parti, inclusi alcuni negozi di social media, non offre politiche di rimborso e rappresenta un paradiso per i truffatori che cercano di rubare i tuoi soldi.
<p><br></p>
<p>Inoltre, il nostro fondatore e CEO qui a Monese, Norris Koppel, raccomanda quanto segue;"<em>Il Cyber Monday è una grande opportunità per i consumatori per fare acquisti natalizi in anticipo da rivenditori affidabili. Tuttavia, offre anche molte opportunità per i truffatori di farti sperperare denaro, accedere al tuo conto bancario o persino mettere le mani sui tuoi dati sensibili e personali "</em></p>
<p><em>"I consumatori devono stare attenti quando effettuano acquisti online e mettere in dubbio tutto ciò che non sembra corretto. Nei prossimi giorni, prenditi il tempo necessario per tenere d'occhio il tuo conto per assicurarti che tutto sia in ordine. Nel dubbio, contatta il fornitore della carta per chiedere un consiglio o se ritieni che potresti essere caduto in fallo."</em>
</p>
<p>Tenendo conto di queste regole di base, non c'è ragione per cui il tuo shopping durante il Cyber Monday non dovrebbe essere un'indulgenza prenatalizia facile, sicura e gratificante - anche se stai cercando un buon affare su un nuovo telefono.</p>

Cyber Monday Blog Post@2X

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Blog post > Cyber Monday: Things to remember

Cyber Monday - Cose da non dimenticare

Security Safe

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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. &nbsp;&nbsp;</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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