Tips to Prevent Fraud through Electronic Channels

The BCRA reminds financial users of best practices to conduct safer transactions through electronic channels and means of payment.

Things to keep in mind:

The BCRA will neither call nor email you asking for personal or banking data.

- No transfer of money will be required as a condition to collect your emergency family bonus (ingreso familiar de emergencia, IFE), retirement pay, pension or any other benefits. All these pensions or benefits are free of charge. You do not need to hire an intermediary or agent.

- Banks may not deduct any amount from the IFE.


1. Do not disclose your personal data (such as username, password, PIN, social security code, token, and ID (original or copy)) over the phone, by email, on social media or WhatsApp, or through text messages; you will neither be requested to send or post a picture of yourself. Your bank will not ask for this information either.
2. Do not enter personal or banking data on websites through links received by email. They may be fraudulent. Keep you contact details up to date with your bank.
3. Do not accept benefits where you are required to transfer money in return.
4. Do not accept help from third parties, whether in person or over the phone, when using an ATM. Remember that speaking over a mobile phone at banking and ATM facilities is forbidden.
5. If in doubt, contact your bank through any of its official channels.

Take care of your personal and banking information, and you may prevent fraud.


July 20, 2020.

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