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Date: 3 months ago   Category: Finances

Protection against swindlers or next paid service of bank?


In network the post of the girl who tells how in Sberbank branch offered it protection against swindlers — an insurance at additional expense gains popularity. Whether the bank is obliged to preserve money against cyberswindlers and other risks? Photo: depositphotos.com B of network gains popularity the girl's post where it described how in Sberbank branch offered it protection against swindlers — an insurance at additional expense. Indignation of the client of Sberbank was caused by the fact that the bank offers a paid insurance for protection against some risks, the main function of bank — saving the entrusted money. The price of such service begins approximately from 1200 rubles a year. If one million clients use it, then the insurance company, to the word "Sberbank Insurance", will receive about 1,2 billion rubles a year "out of the blue", the client summed up. Business FM decided to understand and contacted Sberbank under the guise of the client. The call center explained that the insurance extends only to cards — both credit, and debit, and protects from the risks connected with theft of money from the card because the card was lost or stolen and also cases when the owner under pressure gave to malefactors the PIN code. Or swindlers withdrew money in office, having forged the signature. Or used cyberfraud for money transfer from the card, the employee of call center of Sberbank says: "Using the forged card with the data applied on it valid the cash card as settlement means for purchases, works or services. Also using information on the insured cash card received in the roguish way: it, with use of a phishing and skimming, already Internet fraud". Whether it is obliged to protect bank from such risks? So far as concerns a contribution, everything is unambiguous: money is placed on a deposit, to them there is no access, and then the bank completely bears responsibility for safety of these means. But in a case with the cash card a situation absolutely other, the senior partner of lawyer bureau Forward Legal Alexey Karpenko says: Alexey Karpenko is a lawyer, the senior partner of the Forward Legal company "Kak tolko bank issues to the client the plastic card, it actually gives to the client let and limited, but an entrance in bank. At the same time the bank loses any control over what happens to the card. I had a personal history as I gave the card foolishly though I was warned: in Rio de Janeiro paid off with the card at restaurant, it was carried away, I just did not pay attention to it, the card to me was returned. Next day 10 thousand dollars were charged off my account. Whose is risk — bank? Or mine? Of course, mine. I gave the card in a charge of swindlers who made Split, and after that I wrote a big pack of statements that not I bought chewing gum at gas station near Rio de Janeiro, not I did shopping in H&M for 7 thousand dollars. And so, from such cases the insurance is also bought". Or other possible situation: let's assume, the man of means falls into hands of bandits, they connect him, take away in the wood and under pressure, so to speak, receive the PIN code from ег

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