For users who seek to obtain a certain return on their savings, banks offer various investment products that are customised to different customer profiles.
This practice does not go unnoticed by cybercriminals, who take advantage of this argument to try to carry out their scams by offering false investments through telephone calls and promising high returns in a short period of time.
Through phone calls or by creating ads on social networks and the internet, scammers promote themselves as brokers or investment managers that offer high returns for investing your savings. If they are able to convince you that it is a unique opportunity to obtain a large amount of extra money, you will be given a bank account number to make a small deposit and try it out.
Once the transfer has been made, the cybercriminal usually provides you a username and password to access a fake website, where you can supposedly follow the performance of your small investment. This performance is controlled by the scammers, who will show you how it doubles or triples over a very short period of time, an argument they use to insist that you invest more money. In some cases, the alleged broker may ask for your online banking's login details to make the next transfer themselves.
And what happens when you want to recover your money and ask for a total or partial redemption of the funds? At this point, the scammer will come up with different excuses to get you to make a last transfer under the pretext of, for example, paying the taxes for the obtained return. Usually, once you have made this last payment, you will lose all communication with the individual as well as your money.
If you receive a phone call or advert from an alleged broker or investment manager via social networks or another internet channel, we recommend: