In the digital age we live in, fraud attacks such as phishing emails are becoming increasingly difficult to distinguish from ‘real’ emails. Your (digital) security is therefore becoming more and more important, especially when it comes to banking matters.
Informer Money and Swan do everything they can to protect you against fraud. It is important that you yourself are prepared for fraud, recognize fraud, and report fraud.
Stay safe
When you suspect fraud, it is important that you act immediately.
Important: Swan never calls without an appointment. If you are unexpectedly called by Swan, hang up immediately.
Contact between Swan and you as a customer
General
Your security is Swan’s priority. Please read the following carefully to understand how highly Swan values your security.
Swan never calls without an appointment. If you are unexpectedly called by Swan, hang up immediately.
Do not send an email, but submit a ticket. This is the safest way.
Swan only asks for name or phone number verification, nothing else. All other information requests are made via secure tickets and always for valid reasons, such as a transaction review.
Web banking access
In the web banking environment, Swan has built in, among others, the following security measures:
After 5 minutes of inactivity, or when closing the browser tab, you are automatically logged out to ensure your security.
To log in to the web banking environment, Swan uses a mix of fingerprinting, access codes, and one-time passwords to make access as secure as possible.
Payments
Swan also has several layers of security when it comes to payments.
You can use single-use virtual cards instead of standard virtual cards. The risk of fraud with a single-use virtual card is many times lower.
You can add trusted beneficiaries to your Web Banking platform. Only users with the correct access can make payments to non-trusted beneficiaries.
Every 24 hours you are required to accept a fraud warning before you can make a payment.
Suspected fraud
If you have become a victim of fraud, you are required to report the fraud as soon as possible. To report fraud, submit a ticket with Swan Support.
Common methods of fraud
Nowadays there are many ways of fraud. Below you can find common methods of fraud and how you can prevent them:
Card fraud
Phishing (email) and smishing (SMS): You receive an email or SMS:
Contact the organization yourself to verify the email or SMS;
Check the email for spelling errors in names or email addresses;
Never open links without checking them;
Do nothing if something is urgent.
Vishing (phone):
Contact the organization yourself to verify the phone call;
Do nothing if something is urgent or if you are put under pressure.
CEO fraud: You receive a letter or email from your CEO:
Contact the CEO personally to verify the letter or email;
Check the letter or email for spelling errors in names or email addresses;
Invoice fraud: You receive a possible fake invoice:
Double-check the supplier’s details;
Look up an email address or phone number and contact the supplier yourself to verify the invoice;
Follow the trusted steps when paying the invoice.
Account takeover (ATO): Someone tries to gain access to your account:
Keep your login details safe by using password managers such as LastPass;
Use strong, unique passwords and codes every time;
Never share login details over the phone. Swan will only ask for your name or phone number;
Use passkey or 2FA to add an extra layer of security to the login process;
Only log in on secure networks. For example, use your personal hotspot instead of the Wi-Fi of a coffee shop.
10 tips against fraud
To protect yourself as well as possible against fraud, you can follow the steps below:
Do nothing urgent: During fraud, you are put under pressure to do something immediately.
Know what fraud looks like: Stay informed about the forms of fraudulent activities.
Only follow trusted processes: Do not deviate from traditional trusted processes.
Review and assess the email or SMS thoroughly: Check for spelling errors in names, websites, email addresses, etc.
Contact the organization yourself: Do not directly follow instructions if you are called, but call the organization yourself.
Do not open unknown links: Instead, check the website or contact the organization to verify the link.
Activate passkey or 2FA: If available, set up passkey or 2FA. This adds an extra layer of security to the login process.
Secure your login details: Always use unique login details and store them in password managers such as LastPass.
Never share your login details: There is no reason to share login details with unknown parties. For sharing with known parties, use the sharing function in password managers.
Keep software on computers, phones, and other devices up to date: Software updates keep your devices protected, so make sure your computer, laptop, or other devices are and remain up to date.