Protection Against Fraud

Fraudsters make plans to convince the victims of the financial situation that seems to be financially attractive and convince them to transfer money. In fact, their sole purpose is to take the victims' money. When they are defrauded, most customers mistakenly believe that they will obtain financial gain. Generally, the common point in customer fraud is that the sender does not have a personal connection with the receiver.

Do not send money to a person you do not personally know. Fraudsters sometimes encourage people to transfer money. Do not transfer money to a person who wants you to send money to him for the following purposes:

Below you can find the major ones of these fraud trends and scenarios:

The victim is asked to make a prepayment for financial services that are never provided. After the payment is made, the communication channels related to the defrauder are closed and the promised credit will never be passed on to the victim.


Fraudsters consider natural disasters and incidents that require emergency humanitarian assistance as an opportunity and convey their donation requests based on emotional exploitation to the victims via e-mails by using the name of the voluntary organizations. What should not be forgotten here is that charities do not ask donors to send money transfers in the name of a real person.


The victim is convinced by fraudsters that a loved one needs urgent help. Fraudsters take advantage of their worries by pushing the victim to make quick decisions.


The victim applies for a job that looks very attractive and is hired for a fictitious job, and then a payment is demanded for the costs associated with the work.


Fraudsters who introduce themselves as doctors, lawyers or prosecutors call elderly people and tell them that they need to pay for certain expenses such as bail or medical assistance for their children, grandchildren or loved ones. They try to the trap the elderly people by creating pressure on them through the importance and urgency of the matter.


Fraudsters reach the victims by introducing themselves as immigration officers. A lie is told that there are some deficiencies in the immigration records, and that these deficiencies can give rise to a very serious problem and that payment is needed in order to start several processes without coming to the official bureau, and the victim is directed to make the money transfer.


Using the name of any shopping website, it is the method of selling products that never actually reach the victim. Today, internet auctions are popular among consumers. Buyers are presented with a "virtual" market where they can choose between endless varieties of products. However, online auctions are as risky as they are advantageous. Most shopping platforms create security layers that will ensure trade security and prevent potential fraud cases. But money transfers made directly to a name and buying products or services from a source that cannot be confirmed are very risky.

Fraudsters prepare false advertisements, links and internet sites and announce their so-called very affordable products to their victims. Generally, the contents make an impression that they were prepared without care and copied from a place. When they communicate with the fraudsters, customers who are affected by the price of the product and who show interest in it are informed that the payment is by money transfer only on behalf of one person. Victims who transfer money on behalf of the specified person will never receive the actual goods or service.


Fraudsters introduce themselves with a title such as tax inspector / expert etc. and contact with the victim. The purpose is to convince the victim that the victim has an unpaid tax debt. It is said that if the transactions are not started immediately, the victim's bank accounts and his passport will be confiscated. Fraudsters demand a preliminary payment in order to postpone the confiscation operations temporarily and start the so-called procedural transactions and to save time for the victim. It should not be forgotten that no official institution worker will collect the transaction fee with a money transfer directly made to his / her own name.


It is said to the victim he or she is the winner of a game of chance. However, in order to receive the award, a number of procedural payments such as taxes and expenses are required to be completed. In order to complete the aforementioned payments, the victim is asked to transfer money in the name of a real person. The victim puts up with the cost of the expenses by thinking that he or she will have a greater financial gain. When payment is made, he/she has been defrauded.

When buying a product or service, the fraudsters make a payment much higher than it should be by using a dud check or fake check. The victim is requested to send the excess payment through the money transfer service. If the victim transfers money to the name of the fraudster without checking the check, he or she will be trapped.


The victim is fooled by a person he or she has met through a website or mobile application, and made believe to be experiencing a special relationship. Scammers request financial assistance for costs of travelling, ticket, visa, etc. with the promise of meeting the victim. Each time they find another excuse, hence they can never come to meet and they will increase the amount they demand.


Fraudsters who say they sell or rent a very affordable property or car over the Internet can trick their victims by asking for a deposit or a down payment

Fraudsters may disappear in the cyber world leaving little legal way to buyers to appeal. Although BPN / Western Union has nothing to do with these sellers, our customers can be a victim of this type of fraud activities.

If you want to be protected from the fraud attempts mentioned above, please pay attention to the following tips:


Every Representative employee - user has to complete his training of preventing the laundering of the proceeds of crime, financing of terrorism and fraud before the start of using the BPN money transfer system.The agent evaluates customer behavior, transactions and the responses he or she gets from the customer under the "Know Your Customer" principles, and refuses the transaction if he /she suspects that the customer is a victim of fraud.

All Representatives must analyze the following customer behaviors. Users should be careful about the following customer behaviors, and should ask the customer additional questions in order to prevent a potential fraud attempt.

NOTE: All elderly and needy people should be asked whether they know the person to whom they want to transfer money. Because these people can easily become the target of fraudsters.

If fraudsters directly target the representative employees;

Representatives and service points can also be targets of direct fraudsters. The following common methods for these attempts are evaluated.


By calling the representative, fraudsters try to convince employees to access the computer system. Once they have access, they make money transfers that will make the representative incur a financial loss.


Fraudster try to sneak in the computers of the representatives by sending e-mails to them through a method known as feeding.

can be potential fraud attempts each. Representatives are required not to open such e-mails and those which are similar to them, and not to click links that are transmitted in this way, and not to share personal information such as the username and password on any platform.