Banks will be responsible for the theft of money from card customers

National Bank of Ukraine forbade banks to shift all the responsibility for the theft of money from the cards to their holders. However, this does not mean that in the case of fraud citizens will be able to receive quick payment. Banks will continue to pursue its long-term investigation.

Money Ukrainians who receive payment cards after Sept. 9 have better protection compared to other customers. On that day came into force NBU decree number 382, ​​which banned banks to shift all the responsibility for the theft of money from the cards to their holders.

"Electronic means of payment user should not include terms and conditions of the requirement of unconditional responsibility for the inadequate translation, except if it is proved that the act or user inactivity led to the loss of the User's means of payment, the disclosure of the PIN or other information that allows you to initiate a payment transaction "- said the new rules of operation with payment cards.

For owners of the existing 30.8 million active payment cards, this rule does not apply. "Retroactive law is not", - said director of the department of payment systems and innovative development of the NBU Sergei Shatsky. Banks are not planning to change the existing contracts. "At the moment the contract of complex bank service Oschadbank does not contain provisions on the unconditional responsibility of the user of a payment card for committing fraudulent transactions on his account. According to the contract, the customer is solely responsible for the implementation of the fraudulent transactions on his account only if it is established that he has disclosed his payment card data (number, the PIN-code, the CVV2-code), - reported the press service of Oschadbank. - With respect to contracts entered into with customers by September 9, NBU number 382 does not contain the requirement of application of this provision to such contracts. "

The new rules do not mean that customers will receive compensation in the event of any fraudulent card transactions. "User after discovery of the loss of electronic means of payment is obliged to immediately notify the Bank in the manner provided by the contract. Prior to the notification of the bank risk of loss from the transactions and the responsibility of the user, and the date of communication - the bank - said the director of Legal Affairs AltBanka Arsene Magpie. - In NBU decree it is only about the impossibility of laying the treaties on the use of electronic means of payment all liability for damages on payment cards on the client. But even if there is such a clause, including the contracts concluded prior to September 9, do not deprive the customer the right to claim money back from the banks for operations that are not carried out. "

evidence of guilt

Bankers believe that the actions of the holders of cards often become a cause of stealing money. "The cases when fraudsters trick in Scouting cardholders necessary data, which are then used for unauthorized transactions, primarily on the Internet. I would like to remind all users of payment cards on the inadmissibility of disclosure to anyone personal information or payment card data, even if the caller is a person you seem SBU officer, police officer or bank employee - says Director of the Department of card products and alternative sales channels Ukrgasbank Inna Tyutyunov. - In addition, we encourage customers to connect the service "M-banking", which allows to monitor all transactions conducted with the card, and to respond quickly when carried out by unauthorized client card transactions. If the customer refused the service, the responsibility for all the operations and the risk of losses from fraudulent transactions rests with the customer. "

But customers are not worth much to worry about. "To prove the guilt of the client difficult, I would say that it is practically impossible. In my opinion, will help the exchange of information between banks, possibly as part of Exchange-online system Ukrainian Interbank EMA association (if a similar situation with the customer were already in other banks), and a detailed analysis of the client's payment history ", - said Deputy Head of Processing Center Industrialbank Eugene Yahny.

fraud checks

To find out the cause of theft, banks are conducting an investigation, as the words of the client it is not enough. "To investigate the requested documents on the transactions of retail outlets, which were carried out the operation, requests are sent to the acquiring bank; is an active interaction with other Ukrainian and European issuing banks to obtain information about similar cases, not confirmed, and find a possible source of the data being compromised. At the disposal of the bank have the entire history of the use of the customer card, which allows you to determine the characteristic or uncharacteristic of any operation, the outlet for the holder, - said the head of payment card management Piraeus Bank Elena Gorlushko. - On the basis of the data collected conclusions that were not whether the acts or omissions of the customer - the payment card holder reason that unauthorized transactions "holder were conducted in the following map.

Therefore, the new rule does not mean that the customer will be able to receive compensation immediately after the theft of money. "In the case of unauthorized card transactions customer handling procedure in the bank remains unchanged. Only after an appropriate investigation, with the assistance of the international payment systems, acquiring bank, the Ministry of Interior and the Postal and Telecommunications authorities and the recognition of the client's statements justified the funds are credited to the card account of the customer, "- explains the head of the Security Department of the card business of the Bank Vadim Yakovets idea.

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