Phone fraud consists of calls aimed at obtaining a person's confidential data and/or username and online banking password and then scamming them by making fraudulent bank transactions or card purchases.

How does phone fraud work?

You may receive a call from somebody claiming to be a bank employee or a technician from a computer company or telephone operator with information of interest to you. In the case of the bank employee, for example, it may be about a suspected fraudulent charge on your credit or debit card. If the caller is claiming to be from an IT company, they may tell you they have detected a virus on your computer.
Using different pretexts and often sounding professional, they attempt to gain your trust while asking you to divulge confidential data (passwords, codes, etc.) that they say they need to carry out a series of checks. There are no such checks and the scammer will use the information you provide to defraud you.

What measures can you take?

If you receive a phone call to inform you about something out of the ordinary and the caller asks for your personal and/or banking details, you should always be suspicious and, of course, never divulge any information.
If you do provide personal details or suspect you may have been scammed, you should inform your bank branch as quickly as possible (if it is not open, you can call CaixaBank's 24-hour helpline: 902 115 007) and make a police report with all the details you were able to collect during the call (e.g. telephone number, the caller's name, the information they gave you to try and scam you, etc.).