Halifax Clarity cc withdrawing cash abroad question!

lisyloo

SSL websites (those accessed via https:// URLs instead of http://) have a cryptographic signature which cannot be forged, and these can be verified by independent certificate authorities that are trusted by your web browser. All ebanking websites use this facility.

Thanks for the reply.
I understand that genuine banking websites would have these things in place.
But a false website would not.
They would simply present you with a very good "look alike" and take your details.
Why would they want to put obstacles in place to stop you doing this?

I think you are saying the client would have to go through the cryptographic stuff first before reaching the fake site and I am saying that's not correct. A false website can be set up through a hotspot before you access any of the security of the genuine website.

chattychappy

lisyloo wrote: »

Thanks for the reply.
I understand that genuine banking websites would have these things in place.
But a false website would not.
They would simply present you with a very good "look alike" and take your details.

Even if someone abroad did go to the trouble of faking a UK credit card/banking site, the sites I use never ask for all your details. Eg 3rd and 4th letter only of a 6 letter password. I think the exception is MBNA - but they present you back with a picture (site key image) that you have previously chosen before you type in your password. These measures alone would prevent a site such as that you describe acquiring the necessary details. Even if you were duped, CC card sites where you can perform transactions (eg a BT) typically ask for something further (eg CCV) before proceeding. So the fraudster would have to obtain these details separately as you wouldn't normally have provided them during a log in sequence.

There are also systems such as "Rapport" that Natwest uses to prevent you being redirected to the wrong site and the use of card readers before you can perform banking transactions or even log on in some cases.