Are scammers sending bank letters with a QR code that can steal your money?!
Take a look at the viral claim, and find out what the facts really are!
Claim : Bank Letter With QR Code Is A Scam!
People are sharing a photo of a letter from a bank, claiming that the QR code in the letter can steal your money if you scan it with your phone!
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Truth : Bank Letter With QR Code Is Not A Scam!
This is likely another example of FAKE NEWS circulating on WhatsApp and social media platforms, and here are reasons why…
Fact #1 : This Is Old Fake News
First, let me just point out that this photo is not new. It first went viral, with a voice message in August 2022, and has subsequently gone viral on and off over the last year or so.
Fact #2 : CIMB Letter Was Genuine
The letter, which was sent by CIMB, is genuine. CIMB even posted a reply to one viral tweet, that the letter was genuine:
Fact #3 : CIMB Letter Was Only Sent To Business Customers
The letter was not meant for consumers, and was only sent to CIMB business customers, to request that they update their company/organisation’s information.
This letter appears to be CIMB’s efforts to comply with KYC (Know Your Customer) requirements set out by regulators like Bank Negara Malaysia (BNM).
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Fact #4 : QR Code Leads To CIMB Website
QR codes is a type of barcode, which allows people and companies to share / deliver information, that can include links. QR codes can lead you to malicious websites, but they cannot deliver malware, or hack your computer or smartphone.
The QR code in the CIMB bank letter isn’t malicious. It actually codes for a link to the CIMB website. You can verify it by simply scanning the QR code in that “CIMB scam letter”. You will see that it only leads to http://www.cimb.com.my/bizupdate [which no longer exists]
Ultimately, this viral warning was likely created by well-meaning but clueless Internet “experts” who are apparently not tech-savvy enough to even verify the QR code by simply scanning it!
Fact #5 : Form Was To Be Emailed / Delivered
The CIMB letter asked its business customers to download and fill in a form. However, that form was not to be submitted online.
Rather, the letter specifically asked its business customers to email the completed form to a legitimate CIMB email address, or to physically mail or courier it to the bank itself.
In a real scam, you will be asked to taken to a fake CIMB bank website, and asked to logged into your bank account. That’s how the scammer gets hold of your bank login credentials.
However, even that scam won’t work without access to your TAC (Transaction Authorisation Code), which is sent to your phone by SMS, or authenticated through the bank’s mobile app.
For certain, scammers cannot log into your bank account by simply gaining your company’s information through a form, unless you actually include your company’s bank account login details!
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