Something an advisor will never ask
Scammers often impersonate bank advisors to obtain confidential information or money. This page lists everything a real advisor would never ask you to do.
Sharing codes or passwords
What will never be asked:
- Validation codes received by SMS or email
- The application password
- A card code (secret code or 3 digits on the back [CVV])
For what ?
This oiece of information is personal and confidential. It should only be entered into the application and never shared with anyone else.
Requesting a code received via SMS "to verify identity" or "to secure the account" is fraud.
Make a transfer
What will never be asked:
- Transferring money to another account "to secure it" or "to safeguard the funds"
- Make a transfer "to check that the account is working"
- Make a transfer "to unblock the account"
For what ?
Customers will never be asked to move their own money. These transactions are handled directly by our teams without any customer intervention if need be.
Any request for a transfer, regardless of the reason given, is an attempt at fraud.
Provide information about other bank accounts
What will never be asked:
- Share the login details of other banks
- Transferring money from an external account to Sumeria "to secure it"
For what ?
The advisors only manage Sumeria accounts and have no reason to request information or take action on other external accounts.
A sensitive request on another account unrelated to Sumeria
Disable security systems
What will never be asked:
- Remove fingerprint or facial recognition verification
- Disable app security notifications
- Allow a connection from a new device without verification
For what ?
These protections exist to secure the account. Disabling them makes it easier for fraudsters to do their job.
If someone asks to bypass a security measure "to go faster," that's fraud.
Other actions that will never be requested
What will never be asked:
- Install a remote control application (TeamViewer, AnyDesk, etc.)
- Change your phone login details
- Acting hastily to avoide losing money
- Pay an account "unlocking fee"
For what ?
These procedures do not exist; they are methods used by fraudsters to seize control of an account or sensitive data, enabling them to commit fraud later.
An advisor only needs one thing: to verify the identity of the account holder.
All other actions (card blocking, transaction verification, account unlocking) are done without requiring codes, transfers or installations.
What should you do if you suspect something?
If a suspicious request is made:
- End communication immediately
- Do not provide any information
- Contact Sumeria through an official channel:
- Emergency chat (available 24/7): "Help and messages" tab, then "I have an emergency"
- Secure messaging
- Our contact email address if you no longer have access to your application: contact@sumeria.eu
If information has already been shared:
- Block the account or card, depending on the information provided, in the application
- Change all passwords immediately
- Report the incident to customer service as soon as possible