As technology advances, fraudsters and scammers are also becoming more advanced. In some cases, they may try to convince you to give them remote access to your computer and your online banking.
This is known as Remote Access Takeover (RAT), or Computer Access Takeover. If this happens, the criminal will be able to gain access to all your files, see what you’re typing and may even be able to turn on your webcam, or microphone, to spy on you.
How does RAT work?
With this type of scam, you may receive a call out of the blue from someone claiming to be your bank, an internet or utility company, or even the police.
They’ll try to convince you to give them remote access to your computer by saying they can help with something like a slow internet connection, or fixing a virus. You may also be asked to download software, visit a specific website or follow instructions which give them control.
For your inconvenience the scammer may offer a refund. They’ll then try to persuade you to log on to online banking to check you've received the money. The scammer will still have remote access, meaning they can see everything you’re typing – including your online banking log on details.
They may also ask you for a code sent by the bank (from your Secure Key for HSBC customers) so they can ‘process the refund’. By handing this information over, they’ll have everything they need to move any money from your account.
In some instances, the scammer may have moved money between your accounts so it looks like they’ve sent too much. They’ll then convince you to send it back to them. In reality it’ll be your own money you’re ‘returning’ to them.
HSBC UK, the police or utility companies will never ask you to do any of the above.
How to stay safe from this type of scam
- don’t give anyone you don’t know access to your computer
- be careful how you share your personal information
- if someone has remote access to your computer, don’t log on to your online banking or anything else which could allow them to gain access to any passwords, security information or log on details
- don’t pass on security codes, Secure Key codes or one time passwords to anyone
- keep your anti-virus software up to date
Download our scams leaflet (PDF, 333 KB) for more information on how you can help protect yourself from fraud and scams.
Protecting yourself from fraudsters and scammers is important. See more things you can do to help stay safe and if you’re ever in doubt, contact your bank or the police.