The different types of fraud include:

• Telephone calls (Vishing)
  A fraudster calls pretending to be from BIL, mentions “detected fraud,” and urges you to install remote access software to supposedly resolve an issue.
• Via text message or email (Smishing & Phishing)
  You receive a message pretending to be from a reliable organization, containing a link to a fake website where your data is stolen.
• Via QR Code (Quishing)
  A fraudulent QR code redirects you to a malicious website, a dangerous download, or a fake login page designed to steal your credentials.
• By credit card
  In the event of a suspicious transaction, you must immediately block your card via BILnet or by calling Worldline, then report the fraudulent transactions as soon as possible.
• By bank transfer
  A fraudster pretends to be a legitimate supplier or professional in order to divert a transfer. Check your transactions, beneficiaries, and standing orders. If in doubt, block your LuxTrust certificate.
• Investment fraud
  A fake financial opportunity promises very high returns via seemingly professional websites or platforms (trading, crypto, etc.). If it sounds too good to be true, it probably is.
• Identity theft by phone – Spoofing
  The fraudster displays the real number of an institution (e.g., BIL) to gain your trust, when in fact the call is coming from a scammer.
• Websites imitating BIL (bil.com, BILnet)
  Fake websites imitate BIL. Never use Google to find them: use the BILnet app, type www.bil.com yourself, or use your bookmarks.
• Theft by deception at ATMs
  This includes card trapping, cash trapping, and distraction theft to steal your card, PIN, or cash.
• Malware on Multiline
  Malicious software attempts to install itself to steal usernames and passwords. Never leave your Smartcard connected, use two-factor authentication, and only access the site via www.multiline.lu.

For more information, please visit the Prevention and Security page