Online safety for entrepreneurs │Transilvania Bank

Online Safety Guide for Entrepreneurs

As an entrepreneur, your company's time and data are essential. We have prepared for you a brief guide with the most common methods used by attackers and how you can avoid them.

Phishing – fake sites BT Go

Attackers create pages that imitate BT Go and ask you for login data.

For your safety, do not access BT Go from the Google search page, some of the displayed results may be false and I can redirect you to phishing sites.

When you want to log into BT Go from the desktop, go to bancatransilvania.ro in the Internet Banking section or save the application link: https://goapp.bancatransilvania.ro/. If the address is not identical, it is almost certainly an attempted fraud.

Fraudulent schemes using the ANAF name

Companies are contacted for "adjustments", "recalculations" or "refunds" of taxes or fees paid.

ANAF does not request money via phone, WhatsApp or SMS.
ANAF does not ask you to provide company data through links or forms sent by messages.

Spoofing – imitation of the bank's number or even the client's

In such cases, attackers use BT Visual Help with the client's spoofed number, and the client receives a real BT Info message with the BTVH link, although they did not request it.

If you did not request such a link, do not access it and contact us immediately.

False investments and calls regarding "dividends to be collected"

Alarm signals:

Financial „safe” promises.
Request to install remote control applications (AnyDesk, TeamViewer).
Proposals to move money to "secured accounts".

Attempts that imitate the BT Go process for companies

The bank will never ask you:

Update BT Go after you have entered the credentials.
To make "payment simulations.
Update the company data through links sent via SMS/WhatsApp/e-mail
Do not send bank data, OTP codes, PIN, CVV, images of documents, contracts, initials.

Rour recommendations:

Check the source of each message. Especially when it comes to payments, suppliers, access changes, or data updates.
Do not install applications recommended by unknown persons. These can allow attackers access to company data, accounts, transactions.
Do not respond to pressure.Frauds are built on urgency: "now", "immediately", "otherwise the account will be blocked". Ignore and verify.

Check monthly transactions

Check the monthly credit card transaction reports, which you receive automatically from the bank through the requested channel (email, Mobile & Internet Banking, or by mail).

Communicate to the bank any changes regarding the contact details and if you notice transactions that you do not recognize.

BT Pay & digital business cards

BT Pay is the ideal place for digital business cards (debit, credit, BT or non-BT cards, in lei or euro), but also for personal ones. This way you can pay contactless with your phone, check card balances directly from the app, temporarily/permanently block a card, and check all transactions made with the card in real time. With BT Pay you can even group expenses by category.

When you install the application:

Download BT Pay only from the official App Store and Google Play Store and use only the official versions on your phone;
Set a security measure: password, PIN, fingerprint, facial recognition, etc.
Register BT Pay on the phone number that is also in our database.

When you enroll the card:

Enter the requested data (CVV or card details) only in BT Pay;
Enter the OTP codes received from the bank only in BT Pay.

When you use the application:

For payment with the phone at the POS, money transfer or online payment authorization, use the phone unlocking method.
For cash withdrawal from an ATM (contactless), you need the phone unlock method. And when you withdraw cash contactless from an ATM, you also need the card PIN, which must be entered at the ATM.
The security method must also be used when you want to view card data, block/unblock the card, and for any operation that requires authentication.

BT Visual Help helps you with banking information and options such as:

Check balance, IBAN and transactions;
Temporarily or permanently block cards;
You request the reissuance of a card after permanent blocking;
Contest a transaction made with the card - you can manage yourself and refuse payment for certain transactions made with the physical or digital card at ATM, POS or online;
You generate account statements, which will then be sent directly to your email in just a few minutes.

Get in touch with Raul chatbot from BT only in safe places

If you need info about your BT accounts or about the products and services used, the chatbot Raul helps you online, non-stop.

Recommendations:

The chatbot is on WhatsApp (0757 080 006), Facebook Messenger, Skype, as well as on the BT Mic website, make sure these are the bank's official sources.
Keep the confidentiality of identifying details when contacting the chatbot.
If an unauthorized person has obtained the company's identification information (including as a result of phishing), immediately notify the bank.
Do not share information, screenshots, etc. from/of the conversation with the chatbot.

Safely update company data

If you receive any e-mail from us requesting your company data, which seems to be from BT, but you cannot see/verify whether it is from one of the bank's employees or not, it might not be us.

However, if any changes occur in the case of your company – name, field of activity, shareholding structure, you have a reliable way at hand, online, namely the bank's website: Updating data/I update the company's data.

It is a precautionary measure regarding the safety of transactions through BT.
This is a control measure and together we comply with the current legislative provisions (Law no. 129/2019 and the Regulation of the National Bank of Romania no. 2/2019).

Check online if business partners are trustworthy

Let's say a partnership is approaching, but you don't know the partner very well. Before signing the commercial contract, we help you do a check through CIP Online. Practically, you can find information about payment incidents in the last 7 years of account holders with checks, bills of exchange, and promissory notes. The inquiry is done online directly at the Payment Incidents Central (CIP).