One Decision Can Lead to a Blocked Card and Lost Money, Warns Urbo Bank

Lietuviško kapitalo „Urbo“ bankas is issuing a stern warning to its customers regarding the significant risks associated with sharing bank card information. In an era where convenience often tempts individuals to lend their cards to friends or family for simple errands, the bank emphasizes that such actions can have severe financial repercussions, potentially leading to the complete loss of funds and access to the card.

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Iš pirmo žvilgsnio gali atrodyti paprasta: jei žmogus – artimas ar gerai pažįstamas, kodėl negalėtų pasinaudoti mano kortele ir, pavyzdžiui, nubėgti iki parduotuvės kažko nupirkti ar išgryninti pinigų, jei aš tuo metu negaliu? Tačiau būtent tokiose situacijose ir prasideda didžiausios rizikos

Irmantas Jasevičius, Director of Urbo Bank's Anti-Money Laundering and Fraud Prevention Department, stresses that even seemingly innocuous requests, like using a card for a single purchase or cash withdrawal, can escalate into major risks. The core issue lies in the difficulty of proving theft when the cardholder has voluntarily granted access and disclosed confidential PIN codes. This blurs the lines of responsibility, making it challenging for the bank to classify such transactions as unauthorized.

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Klientas yra atsakingas už savo duomenų saugumą ir privalo laikytis išduotos banko kortelės taisyklių. Leisti naudotis kortele kitam asmeniui, atskleisti saugos kodus ir kitą jautrią informaciją yra grubus taisyklių pažeidimas. Tikėtina, kad dėl tokio elgesio patirtų nuostolių niekas neatlygins

Jasevičius reiterates that customers bear the ultimate responsibility for their data security and must adhere strictly to the bank's card usage policies. Sharing PIN codes, card numbers, expiry dates, and security codes (CVC, CVV) is a grave violation of these terms. If transactions are confirmed using the cardholder's unique PIN or other secure authentication methods like "Smart-ID," the bank has no legal grounds to deem the transaction unauthorized or to reimburse the client. In essence, these secret identification keys are meant to be known only by the cardholder, and their disclosure significantly weakens personal financial protection. Consequently, if funds are misappropriated due to such carelessness, the liability falls squarely on the card owner.

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Tai yra slapti identifikavimo raktai, kurie gali būti žinomi tik kortelės turėtojui. Jų perdavimas kitam asmeniui reiškia, kad klientas pats susilpnina savo lėšų apsaugą. Jei dėl didelio neatsargumo pinigai bus pasisavinti ar panaudoti neteisėtam sandoriui, atsakomybė teks kortelės savininkui