{"id":12985,"date":"2026-10-30T10:24:45","date_gmt":"2026-10-30T08:24:45","guid":{"rendered":"https:\/\/altapay.rs\/kako-da-prepoznate-internet-prevare-i-zastitite-svoj-novac\/"},"modified":"2026-10-30T11:30:34","modified_gmt":"2026-10-30T09:30:34","slug":"kako-da-prepoznate-internet-prevare-i-zastitite-svoj-novac","status":"publish","type":"page","link":"https:\/\/altapay.rs\/en\/kako-da-prepoznate-internet-prevare-i-zastitite-svoj-novac\/","title":{"rendered":"How to Recognize Online Scams and Protect Your Money"},"content":{"rendered":"\n\n
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\n \"Illustration\n <\/div>\n
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HOW TO RECOGNIZE ONLINE SCAMS AND PROTECT YOUR MONEY<\/h1>\n

Online scams are becoming increasingly common and sophisticated.<\/p>\n

Fraudsters use SMS messages, emails, social media, messaging applications, and even phone calls to trick people into sending money or sharing their personal information, transaction details, Alta Brzi Ke\u0161 money transfer codes, unique reference numbers for international money transfers through Western Union, MoneyGram and Ria Money Transfer, as well as login credentials (PINs) for accessing their digital wallets.<\/p>\n

They may impersonate employees of banks, government institutions, well-known companies, or even friends and family members whose social media accounts have been compromised.<\/p>\n

\n THE GOLDEN RULE OF SECURITY<\/strong>\n If an offer or message sounds too good to be true, it is most likely a scam.<\/em>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n
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WARNING SIGNS: WHEN SHOULD YOU BE EXTRA CAUTIOUS?<\/h2>\n

Be cautious if someone does any of the following:<\/p>\n\n

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Creates a Sense of Urgency<\/h3>\n

Pressures you to act or send money immediately.<\/p>\n <\/article>\n\n

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Demands Secrecy<\/h3>\n

Insists that the conversation must remain confidential.<\/p>\n <\/article>\n\n

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Promises Easy Money<\/h3>\n

Offers rewards, inheritance, high earnings, or loans in exchange for an upfront payment.<\/p>\n <\/article>\n\n

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Requests Payments to Strangers<\/h3>\n

Asks you to send money to someone you do not know.<\/p>\n <\/article>\n\n

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Requests Sensitive Information<\/h3>\n

Asks for payment card details, PINs, passwords, or one-time security codes.<\/p>\n <\/article>\n\n

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Redirects Payments<\/h3>\n

Instructs you to transfer money to an account that is not associated with the company or person you are communicating with.<\/p>\n <\/article>\n\n <\/div>\n <\/div>\n<\/section>\n\n

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BEFORE SENDING MONEY: A SAFETY CHECKLIST<\/h2>\n

Take a few minutes to verify the details before every transaction:<\/p>\n\n

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\n 01<\/span>\n

Verify the Recipient<\/h3>\n

Make sure you know who you are sending money to and verify the identity of the person or organization.<\/p>\n <\/article>\n\n

\n 02<\/span>\n

Verify the Purpose of the Payment<\/h3>\n

Be cautious when someone requests money for something unexpected or promises you financial benefits after making a payment.<\/p>\n <\/article>\n\n

\n 03<\/span>\n

Confirm the Request Is Genuine<\/h3>\n

If a friend or family member asks for urgent financial assistance through a message, contact them directly to verify the request.<\/p>\n <\/article>\n\n

\n 04<\/span>\n

Do Not Let Anyone Rush You<\/h3>\n

Fraudsters deliberately create a sense of urgency to prevent you from verifying information.<\/p>\n <\/article>\n\n

\n 05<\/span>\n

Double-Check Payment Details<\/h3>\n

Before confirming a transaction, verify the recipient’s name, account number, and all other relevant details.<\/p>\n <\/article>\n\n <\/div>\n <\/div>\n<\/section>\n\n

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MOST COMMON TYPES OF ONLINE SCAMS<\/h2>\n\n
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\n 01<\/span>\n

Online Shopping Scams<\/h3>\n

After payment has been made, the purchased goods never arrive, or the delivered product does not match the description in the advertisement.<\/p>\n <\/div>\n\n

\n 02<\/span>\n

Fake Loans and Lending Offers<\/h3>\n

Fraudsters promise quick loan approval but require an upfront payment for alleged processing fees, insurance, or administrative costs.<\/p>\n <\/div>\n\n

\n 03<\/span>\n

Emergency Scams and Fake Profiles<\/h3>\n

Compromised social media accounts are used to send messages to friends and relatives requesting urgent financial assistance.<\/p>\n <\/div>\n\n

\n 04<\/span>\n

Fake Investments and Get-Rich-Quick Schemes<\/h3>\n

Online advertisements promote supposedly safe investments in cryptocurrencies or other financial products, promising high returns in a short period of time.<\/p>\n <\/div>\n\n

\n 05<\/span>\n

Lottery and Prize Scams<\/h3>\n

You receive a notification claiming that you have won a prize, but you are asked to pay a certain amount of money before you can supposedly claim it.<\/p>\n <\/div>\n\n

\n 06<\/span>\n

Romance Scams<\/h3>\n

Someone you meet online gains your trust and then asks for money using various emotional or financial excuses.<\/p>\n <\/div>\n\n

\n 07<\/span>\n

Fake Charity Campaigns<\/h3>\n

Fraudsters exploit current events and emergencies to request donations that are actually transferred to private accounts.<\/p>\n <\/div>\n\n <\/div>\n <\/div>\n<\/section>\n\n

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SAFE USE OF YOUR DIGITAL WALLET<\/h2>\n

If you use the AWallet digital wallet, pay special attention to protecting your account and security information.<\/p>\n\n

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Download the application only from official app stores, using the links provided on our official website.<\/p>\n <\/article>\n\n

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Never share your PIN, password, one-time password (OTP), or other security information with anyone, even if they claim to be employees of an electronic money institution, payment service provider, or another financial institution.<\/p>\n <\/article>\n\n

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Use a strong and unique password or PIN. Do not use the same credentials for accessing your digital wallet and other applications or services.<\/p>\n <\/article>\n\n

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Do not allow anyone else to use your digital wallet or give others access to your phone or other devices used to access the wallet.<\/p>\n <\/article>\n\n

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Before confirming any transaction, carefully check the amount, currency, and recipient details, especially when sending money to a new recipient.<\/p>\n <\/article>\n\n

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When making a payment using a QR code, verify the merchant or recipient and the amount displayed in the application before confirming the payment.<\/p>\n <\/article>\n\n

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Avoid simple PIN combinations such as 123, repeated digits, or dates of birth.<\/p>\n <\/article>\n\n

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If you receive a message or call asking you to log in to your digital wallet, change your password, or confirm a transaction, do not use any links provided in the message. Instead, access the application in your usual way and verify the request.<\/p>\n <\/article>\n\n

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Do not confirm transactions that you did not initiate. Never send money to a supposedly “safe account” at the request of someone claiming to represent customer support or a financial institution.<\/p>\n <\/article>\n\n

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Be especially cautious of messages designed to create urgency, such as “confirm immediately”, “your account will be blocked”, or “urgent verification required”.<\/p>\n <\/article>\n\n

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Do not install applications or allow remote access to your phone at the request of unknown individuals. Fraudsters may use these methods to obtain your personal information or gain access to your digital wallet.<\/p>\n <\/article>\n\n

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Regularly update your phone’s operating system and digital wallet application. Use screen locking, biometric authentication, or other available security features.<\/p>\n <\/article>\n\n

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If you lose your phone, notice an unfamiliar login or transaction, or suspect that someone else has accessed your digital wallet, immediately take steps to secure your account and contact your service provider through official communication channels.<\/p>\n <\/article>\n\n <\/div>\n\n

\n REMEMBER<\/strong>\n Never disclose your PIN, password, or one-time security code to anyone. Our employees will never ask you to provide this information.<\/em>\n <\/div>\n\n <\/div>\n<\/section>\n\n
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IMPORTANT THINGS TO REMEMBER<\/h2>\n\n
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Never share your PIN, passwords, one-time SMS codes, or payment card details.<\/p>\n <\/div>\n\n

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Do not send money to people you only know through the internet.<\/p>\n <\/div>\n\n

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Do not transfer funds unless you are completely certain who will receive the money and what the payment is for.<\/p>\n <\/div>\n\n

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If you suspect fraud, immediately stop communicating with the person involved and verify the information through a trusted source.<\/p>\n <\/div>\n\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n

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WHAT SHOULD YOU DO IF YOU SUSPECT FRAUD?<\/h2>\n\n
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Staying cautious is your best protection. Before sending money or sharing your personal information, take a moment to stop and verify the details.<\/p>\n

A few minutes of caution can protect you from financial loss.<\/p>\n <\/div>\n\n

\n \"Phone\"\n

If you suspect that you have transferred funds to a fraudster’s account, sent money to a fraudster through a money transfer service, or that your digital wallet login credentials have been compromised, contact us immediately using any of the contact details available on our official website. You should also report the incident to the relevant authorities.<\/p>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<\/div>\n\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

HOW TO RECOGNIZE ONLINE SCAMS AND PROTECT YOUR MONEY Online scams are becoming increasingly common and sophisticated. Fraudsters use SMS messages, emails, social media, messaging applications, and even phone calls to trick people into sending money or sharing their personal information, transaction details, Alta Brzi Ke\u0161 money transfer codes, unique reference numbers for international money […]<\/p>\n","protected":false},"author":13,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-12985","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/altapay.rs\/en\/wp-json\/wp\/v2\/pages\/12985","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/altapay.rs\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/altapay.rs\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/altapay.rs\/en\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/altapay.rs\/en\/wp-json\/wp\/v2\/comments?post=12985"}],"version-history":[{"count":2,"href":"https:\/\/altapay.rs\/en\/wp-json\/wp\/v2\/pages\/12985\/revisions"}],"predecessor-version":[{"id":12988,"href":"https:\/\/altapay.rs\/en\/wp-json\/wp\/v2\/pages\/12985\/revisions\/12988"}],"wp:attachment":[{"href":"https:\/\/altapay.rs\/en\/wp-json\/wp\/v2\/media?parent=12985"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}