{"id":3685754,"date":"2025-11-26T21:49:44","date_gmt":"2025-11-26T19:49:44","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3685754"},"modified":"2025-11-30T21:56:36","modified_gmt":"2025-11-30T19:56:36","slug":"avertisment-dur-acestea-sunt-cele-mai-periculoase-fraude-online-care-fac-mii-de-victime-in-romania-un-expert-bancar-dezvaluie-capcanele-momentului-asa-te-fura-infractorii-online-in-cateva-secunde","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/avertisment-dur-acestea-sunt-cele-mai-periculoase-fraude-online-care-fac-mii-de-victime-in-romania-un-expert-bancar-dezvaluie-capcanele-momentului-asa-te-fura-infractorii-online-in-cateva-secunde\/","title":{"rendered":"Avertisment dur: acestea sunt cele mai periculoase fraude online care fac mii de victime \u00een Rom\u00e2nia! Un expert bancar dezv\u0103luie capcanele momentului: a\u0219a te fur\u0103 infractorii online \u00een c\u00e2teva secunde"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3685754\" class=\"elementor elementor-3685754\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4be77f e-flex e-con-boxed e-con e-parent\" data-id=\"d4be77f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e49af1 elementor-widget elementor-widget-text-editor\" data-id=\"1e49af1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vigilen\u021ba este cea mai important\u0103 arm\u0103 \u00eempotriva fraudatorilor. \u00centr-o lume digital\u0103 \u00een continu\u0103 schimbare, informarea corect\u0103 \u0219i reac\u021bia rapid\u0103 pot face diferen\u021ba dintre siguran\u021b\u0103 \u0219i pierderi financiare.<\/p><p>\u00centr-un context \u00een care fraudele online se diversific\u0103 de la o zi la alta, iar infractorii devin tot mai inventivi, Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, a fost invitata emisiunii Vorbe\u0219te Lumea pentru a explica cele mai \u00eent\u00e2lnite metode de atac \u0219i m\u0103surile pe care trebuie s\u0103 le lu\u0103m pentru a ne proteja datele \u0219i banii.<\/p><p>Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor: \u00cen general, fraudele online apar din cauza lipsei de informa\u021bii, a emo\u021biilor puternice pe care le resim\u021bim \u00een momentul \u00een care fraudatorii intr\u0103 \u00een contact cu noi \u2013 indiferent de metoda folosit\u0103 \u2013 \u0219i a dorin\u021bei de \u00eembog\u0103\u021bire rapid\u0103. Aceste trei elemente stau la baza fenomenului prin care ajungem s\u0103 fim manipula\u021bi de infractori.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18b69ee elementor-widget elementor-widget-image\" data-id=\"18b69ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"624\" height=\"351\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/GF-VorbesteLumea.jpg\" class=\"attachment-full size-full wp-image-3685753\" alt=\"\" srcset=\"https:\/\/www.arb.ro\/wp-content\/uploads\/GF-VorbesteLumea.jpg 624w, https:\/\/www.arb.ro\/wp-content\/uploads\/GF-VorbesteLumea-300x169.jpg 300w, https:\/\/www.arb.ro\/wp-content\/uploads\/GF-VorbesteLumea-150x84.jpg 150w, https:\/\/www.arb.ro\/wp-content\/uploads\/GF-VorbesteLumea-18x10.jpg 18w\" sizes=\"(max-width: 624px) 100vw, 624px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec4e4b7 elementor-widget elementor-widget-text-editor\" data-id=\"ec4e4b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Unde ne inform\u0103m corect despre fraude<\/strong><\/p>\n<p>Potrivit Gabrielei Folcu\u021b, una dintre cele mai sigure surse de informare este platforma <a href=\"https:\/\/sigurantaonline.ro\">sigurantaonline.ro<\/a>, un proiect na\u021bional realizat de Poli\u021bia Rom\u00e2n\u0103, Directoratul Na\u021bional de Securitate Cibernetic\u0103 \u0219i Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor. Aici utilizatorii g\u0103sesc tipologii actuale de fraud\u0103 \u0219i recomand\u0103ri clare pentru prevenirea lor.<\/p>\n<p>Invitata a subliniat c\u0103 infractorii mizeaz\u0103 pe lipsa de cuno\u0219tin\u021be, pe emo\u021biile puternice ale victimelor \u0219i pe dorin\u021ba de c\u00e2\u0219tig rapid, elemente care \u00eei fac pe oameni vulnerabili.<\/p>\n<p><strong>Phishing \u2013 \u201epescuitul\u201d datelor sensibile<\/strong><\/p>\n<p>Phishing-ul este una dintre cele mai r\u0103sp\u00e2ndite metode de fraud\u0103. \u021ainta infractorilor sunt datele sensibile: numele, num\u0103rul cardului, data de expirare, codul CVV, dar \u0219i datele de logare \u00een internet sau mobile banking.<\/p>\n<p>Gabriela Folcu\u021b atrage aten\u021bia c\u0103 aceste informa\u021bii nu trebuie niciodat\u0103 oferite prin linkuri primite pe e-mail, SMS sau aplica\u021bii de mesagerie. Ele se folosesc exclusiv de c\u0103tre titular \u00een momentul pl\u0103\u021bilor online, \u0219i doar pe site-uri securizate.<\/p>\n<p>Pentru siguran\u021b\u0103, speciali\u0219tii recomand\u0103 verificarea urm\u0103toarelor elemente:<\/p>\n<ul>\n<li>existen\u021ba protocolului HTTPS,<\/li>\n<li>simbolul l\u0103c\u0103\u021beului,<\/li>\n<li>denumirea corect\u0103 a site-ului,<\/li>\n<li>politica de retur, pentru magazinele online.<\/li>\n<\/ul>\n<p>De asemenea, este de evitat salvarea datelor cardului pe platforme necunoscute sau conectarea la re\u021bele Wi-Fi publice \u00een timpul pl\u0103\u021bilor.<\/p>\n<p><strong>Spoofing &#8211; apeluri \u0219i identit\u0103\u021bi false<\/strong><\/p>\n<p>O alt\u0103 metod\u0103 extrem de periculoas\u0103 este spoofing-ul &#8211; apeluri sau mesaje \u00een care infractorii se prezint\u0103 drept reprezentan\u021bi ai b\u0103ncilor, ai Poli\u021biei sau ai B\u0103ncii Na\u021bionale. De cele mai multe ori, numele institu\u021biei apare pe ecran, ceea ce cre\u0219te credibilitatea.<\/p>\n<p>Recomandarea Gabrielei Folcu\u021b este clar\u0103:<\/p>\n<ul>\n<li>nu se ofer\u0103 date sensibile,<\/li>\n<li>se \u00eenchide apelul,<\/li>\n<li>se contacteaz\u0103 institu\u021bia la num\u0103rul oficial din surse sigure.<\/li>\n<\/ul>\n<p>\u00cen unele cazuri, victimele au fost manipulate s\u0103 retrag\u0103 sume mari de bani din banc\u0103 \u0219i s\u0103 le transfere \u00een portofele crypto, unde recuperarea este extrem de dificil\u0103.<\/p>\n<p><strong>Fraudele cu investi\u021bii \u201egarantate\u201d<\/strong><\/p>\n<p>\u00cen zona investi\u021biilor, una dintre capcanele frecvente este promisiunea unor c\u00e2\u0219tiguri rapide \u0219i sigure. Dac\u0103 o ofert\u0103 sus\u021bine c\u0103 randamentul este garantat, este aproape sigur o fraud\u0103.<\/p>\n<p>Pentru investi\u021bii, Folcu\u021b recomand\u0103 verificarea entit\u0103\u021bilor autorizate pe site-ul Autorit\u0103\u021bii de Supraveghere Financiar\u0103 \u0219i evitarea linkurilor sau ofertelor primite pe re\u021belele sociale. O alt\u0103 aten\u021bionare important\u0103: nu trebuie instalate aplica\u021bii prin care fraudatorii pot prelua controlul dispozitivului \u0219i pot accesa date de logare la conturi bancare.<\/p>\n<p><strong>Fraude prin WhatsApp &#8211; \u00eenc\u0103 active<\/strong><\/p>\n<p>De\u0219i mai rare dec\u00e2t \u00een trecut, fraudele prin WhatsApp continu\u0103 s\u0103 apar\u0103. Acestea pornesc, de obicei, de la compromiterea contului unei persoane reale, iar mesajele primite de la contactele salvate pot p\u0103rea credibile.<\/p>\n<p>Codul de securitate de la WhatsApp trebuie p\u0103strat strict confiden\u021bial. \u00cen situa\u021bia unui mesaj suspect trimis de un prieten, verificarea trebuie f\u0103cut\u0103 printr-un apel telefonic normal. Pentru recuperarea contului, utilizatorul afectat trebuie s\u0103 elimine dispozitivele conectate din set\u0103rile aplica\u021biei.<\/p>\n<p><strong>Ce facem dac\u0103 am fost victimele unei fraude<\/strong><\/p>\n<p>Dac\u0103 datele cardului sau cele de acces la internet banking au fost compromise, primul pas este contactarea imediat\u0103 a b\u0103ncii. Num\u0103rul de pe spatele cardului trebuie salvat \u00een telefon, pentru a putea bloca rapid accesul la cont.<\/p>\n<p>\u00cen caz de prejudiciu, trebuie depus\u0103 o pl\u00e2ngere la Poli\u021bie \u0219i anun\u021bat Directoratul Na\u021bional de Securitate Cibernetic\u0103. Dac\u0103 este doar o suspiciune sau o tentativ\u0103, banca poate recomanda, de exemplu, reemiterea cardului sau m\u0103suri suplimentare de securitate.<\/p>\n<p>Surs\u0103: <a href=\"https:\/\/www.protv.ro\/emisiuni\/vorbeste-lumea\/articol\/119940-avertisment-dur-acestea-sunt-cele-mai-periculoase-fraude-online-care-fac-mii-de-victime-in-romania-un-expert-bancar-dezvaluie-dezvaluie-capcanele-momentului-asa-te-fura-infractorii-online-in-cateva-secunde?trk=feed-detail_main-feed-card_feed-article-content\">aici<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Vigilen\u021ba este cea mai important\u0103 arm\u0103 \u00eempotriva fraudatorilor. \u00centr-o lume digital\u0103 \u00een continu\u0103 schimbare, informarea corect\u0103 \u0219i reac\u021bia rapid\u0103 pot face diferen\u021ba dintre siguran\u021b\u0103 \u0219i pierderi financiare. \u00centr-un context \u00een care fraudele online se diversific\u0103 de la o zi la alta, iar infractorii devin tot mai inventivi, Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3685753,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3685754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Avertisment dur: acestea sunt cele mai periculoase fraude online care fac mii de victime \u00een Rom\u00e2nia! Un expert bancar dezv\u0103luie capcanele momentului: a\u0219a te fur\u0103 infractorii online \u00een c\u00e2teva secunde - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/avertisment-dur-acestea-sunt-cele-mai-periculoase-fraude-online-care-fac-mii-de-victime-in-romania-un-expert-bancar-dezvaluie-capcanele-momentului-asa-te-fura-infractorii-online-in-cateva-secunde\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Avertisment dur: acestea sunt cele mai periculoase fraude online care fac mii de victime \u00een Rom\u00e2nia! Un expert bancar dezv\u0103luie capcanele momentului: a\u0219a te fur\u0103 infractorii online \u00een c\u00e2teva secunde - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Vigilen\u021ba este cea mai important\u0103 arm\u0103 \u00eempotriva fraudatorilor. \u00centr-o lume digital\u0103 \u00een continu\u0103 schimbare, informarea corect\u0103 \u0219i reac\u021bia rapid\u0103 pot face diferen\u021ba dintre siguran\u021b\u0103 \u0219i pierderi financiare. \u00centr-un context \u00een care fraudele online se diversific\u0103 de la o zi la alta, iar infractorii devin tot mai inventivi, Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/avertisment-dur-acestea-sunt-cele-mai-periculoase-fraude-online-care-fac-mii-de-victime-in-romania-un-expert-bancar-dezvaluie-capcanele-momentului-asa-te-fura-infractorii-online-in-cateva-secunde\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-26T19:49:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-30T19:56:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/GF-VorbesteLumea.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"624\" \/>\n\t<meta property=\"og:image:height\" content=\"351\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"RABVB\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"RABVB\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/avertisment-dur-acestea-sunt-cele-mai-periculoase-fraude-online-care-fac-mii-de-victime-in-romania-un-expert-bancar-dezvaluie-capcanele-momentului-asa-te-fura-infractorii-online-in-cateva-secunde\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/avertisment-dur-acestea-sunt-cele-mai-periculoase-fraude-online-care-fac-mii-de-victime-in-romania-un-expert-bancar-dezvaluie-capcanele-momentului-asa-te-fura-infractorii-online-in-cateva-secunde\\\/\"},\"author\":{\"name\":\"RABVB\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/ae6781863ef928b4d6176e16b3c4452f\"},\"headline\":\"Avertisment dur: acestea sunt cele mai periculoase fraude online care fac mii de victime \u00een Rom\u00e2nia! 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