Sberbank offers its clients the opportunity to connect to mobile banking or online banking. Due to constant access to personal account, many owners bank cards are exposed to scammers who are trying to different ways take off cash from the account.
For this purpose, telephone conversations can be used, during which the attackers introduce themselves as bank employees, and they often send SMS messages.
Since the beginning of 2018, a new scheme has become popular, allowing fraudsters to scam citizens using the official Sberbank number - 900. This number is used to receive various services or information from bank representatives.
Scammers already know how to fake even official bank numbers phones. The essence of such a divorce is as follows:
- Initially, the attackers target a person who is a bank client;
- they get his phone number;
- an SMS message is sent to this number from the short number 900;
- this message indicates information that a certain amount of money will be transferred from the person’s card to another account;
- at the end of the text there is an opportunity to confirm the operation, for which you need to send some code to number 900, and if this is not done, the transfer will be made automatically;
- with the help of such a message, citizens are intimidated, so they, without hesitation, carry out all the actions required to cancel the transfer;
- a few seconds later a call is heard, allegedly calling the client from a Sberbank employee;
- he reports that scammers tried to take advantage of the citizen’s funds, so in order to save the money, you need to tell the bank employee the code from the new SMS message;
- This code is actually an access to ;
- The fraudster gains access to the service, so he can easily transfer all the money in his account to himself.
Usually, scammers speak politely and calmly, so they inspire confidence among citizens. People are afraid of losing their funds, so they do everything the scammer insists on. you will learn how they can deceive you at Sberbank when issuing a new card.
An example of divorce via SMS from Sberbank can be seen in this video:
Life story
In fact, there are quite a lot of such stories. The people who most often fall for scammers are elderly people who really believe that they are talking to a bank employee.
Due to this scheme, the police receive many statements from defrauded people, but it is almost impossible to return the funds.
Mistakes made by Sberbank clients
The main mistake of deceived people is that they trust strangers to whom they communicate confidential information. The SMS message that comes from the bank clearly states that the available data cannot be reported even to employees of this institution.
If a person introducing himself as a bank employee demands a code from an SMS message, then you should immediately stop communicating.
– the timing and procedure for replacing cards are described in detail in the article at the link.
Example of SMS from scammers. How to prevent cheating
To avoid falling for scammers in the future, consider the following tips:
- It is not recommended to link a phone number to a bank card at all;
- you should not respond to various SMS messages with suspicious content;
- It is not allowed to communicate to strangers who call by phone any confidential information from the SMS message.
You will learn how scammers steal money from bank cards through simple SMS messages.
If, nevertheless, a person gave important information to the fraudster, then you should urgently call the bank branch to block the card. Only in this case can you count on the safety of your funds.
How scammers send SMS from the short number 900 Sberbank - watch in this video:
Number 900 – what kind of contact? The question arises quite often, and to clients, as well as users of other banking structures It would be a good idea to know the answer to this so as not to fall for the tricks of scammers.
So, 900: whose phone is this - who is calling from it? First of all, you need to know that the short number 900 is the service phone number remote servicing of Sberbank clients. Therefore, there is no need to worry or suspect any fraud. Another thing is that all requests that come to your mobile should be checked for legality - you need to make sure that only the actions you have performed are confirmed.
Why is this contact needed? The thing is that if you are a Sberbank client, you almost certainly use SMS notifications (in other words, mobile banking). This service sends messages.
Within the “Full” or “Economy” tariffs, SMS messages can be received for the following reasons:
- crediting funds to the account balance;
- cash withdrawal;
- making a payment by card;
- one-time code to confirm any transactions;
- account seizure;
- notification of the availability of personal offers from the bank.
In fact, this is a necessity dictated by the desire to protect client money. Mobile bank ing may not be connected, but this is very reckless - especially in the context of making transactions remotely.
Important! Alerts and confirmation systems are now the norm for all financial institutions.
Note 1. SMS always have the same format. The title is at the beginning of the message payment system plastic used and the last four digits of the card number. This is followed by informational text.
Standard notification type: VISA ****1111 …– instead of units there will be the last digits of your card number, and in place of the ellipsis there will be a message (about debiting money, crediting it, requesting confirmation, etc.).
Call 900
This phone has the function of not only sending messages to the bank, but also connecting the client with the call center operator.
You can call either 900 , and on +7 495 500 5550 . First contact – for free communication within the territory Russian Federation. The second is for calls from abroad (at the price set by the tariff of the mobile service provider).
Other purpose
900 is used for two more types of actions:
- sending SMS commands;
- USSD requests.
These are similar possibilities. SMS is used to request:
- account balance;
- number of bonuses;
- last ten card transactions;
- credit card information;
- transfer by telephone or card numbers;
- payment mobile communications and so on.
The full list can be viewed on the official website of Sberbank.
USSD are performed to:
- find out the balance;
- pay for your or someone else’s phone;
- transfer funds, etc.
Information about the service can be viewed.
Fraud
Let's consider a situation where an SMS message from Sberbank arrived on your mobile phone. Sometimes an advertising mailing from this organization is confused with an attempt at fraud. Indeed, from time to time Sber can send from number 900, for example, personal offers for its clients - open a deposit, take out a loan, etc.
If you receive a notification about an operation that you definitely did not perform, contact the operator hotline. It usually turns out that this is a system error, a failure.
The main thing is not to rush to confirm any actions in response to SMS from mobile banking. Check carefully what is being said.
Important! If someone called you and introduced themselves as an employee of Sberbank, pay attention to the incoming call number. Everything that is not 900 and +7 495 500 5550 is not related to this organization.
You can view Sberbank contacts on this page of the official website.
Service Mobile banking provides clients with the ability to use messaging to fulfill requests and banking operations. SMS commands are sent to Sberbank to number 900 - this way you can find out about completed transactions, the balance of your card account (even if you have several plastic cards), simply transfer money to another card and make payments.
The SMS service provides quick access to banking transactions directly from your phone If you want to use the number 900, then the first thing you need to do is find out whether you have the Mobile Banking service connected and for which cards it works. This is very easy to do - the phrase HELP is sent to 900:
Sending HELP to check connection to the service 
If the service is not connected, then there are two options to quickly fix it: you can contact any branch or you can do it yourself through an ATM.
Connecting the service We talk in detail about which mobile banking tariff to choose in our article on this topic.
Now let's move on to the description of the main short commands on 900.
Simple requests to Sberbank to number 900
To get information about your account, transactions, or available services, you need to use certain phrases, for which there are several options.
Balance request
Most often, each client requests balance information. This allows you to control your expenses and promptly notice the actions of fraudsters. The request is executed in the following words: BALANCE, REMAINDER, OSTATOK, BALANS, BALANCE or code 01. After the word, put a space and enter 4 characters from the digital combination of the card (the last ones). The response message contains information about the balance of this account.
This is what it looks like:
This is what a balance request looks like The bank's response will be something like this:
Answer transcript:
Receiving information on your cards
Using short phrases, you can find out which client cards are connected to the service in order to understand the possibility of using this method of account management with them. The format in this case looks like this: HELP, INFO, INFO, SPRAVKA, INFORMATION, 06. The client will receive a message indicating all the user’s cards with active Mobile Banking (the bank’s response is described in more detail in the previous section of this article).
Message type Help (is the Sberbank card connected to 900 number services)Checking out, blocking and unblocking
The following requests are also available to the client:
- Get a list of operations performed during Lately on the client's account: HISTORY or EXTRACT and plastic numbers. You can also use similar wording, typed in Latin letters or the numbers 02. (More details in the article about).
This is what the HISTORY message looks like (mini-extract) 
Decryption of a message with transaction history - Block (suspend) Mobile Banking: BLOCKING SERVICES, analogue in Latin letters or 05. You should also clarify which plastic to perform the suspension on, and therefore its last 4 digits should be indicated separated by a space.
- Activate the service back: UNLOCKING SERVICES.
- Block the card if it is lost or other difficulties arise. The message contains the word BLOCKING in Russian or Latin letters or short versions: BLOCK, 03. After the space, the numbers from the card and a control digit-code are indicated, which explains the reason why the client wants to perform the operation.
This way you can block lost card 
Confirmation that the payment instrument is blocked 
Blocking instructions It should be clarified that the unlocking procedure is only available in the department. This option is not available remotely. But the speed with which you can block, if necessary, is very convenient.
If you forgot the last 4 digits of your plastic card, you can first send the phrase HELP - you will see the last four digits of each of your Sberbank cards (to which the service package is connected), and then block the required plastic card.
But in order to make sure that you did everything correctly, or in case of problems with the procedure, you can always contact the bank by phone -555-55-50.
Independent execution of transfers and payments
Mobile Bank commands to Sberbank via SMS to 900 also allow you to perform banking procedures without contacting employees and specialists of the institution. In particular, you can send money, pay for services, repay loan obligations, etc.
Command to pay for your phone
Most often, Mobile Banking is used to top up your cell phone account. It is enough to indicate in the message only the amount written in numbers. This amount will be debited from the card account and sent to the phone connected to the service.
How to repay communication services If you have an alert service activated on several cards and you want to pay the operator’s bill with a specific plastic card, you can indicate its last four digits separated by a space after the amount.
Paying for your phone using plastic You can pay per day in the amount of ₽
How to pay for someone else's phone
Using a similar principle, you can top up the telephone balance of your relative or friend. In this case, you will need to indicate the word TEL, enter directly the digital combination of plastic and indicate the size in ₽.
TEL formulation in its simplest form And just like when paying for your phone, you can use the additional indication of a specific plastic card to transfer money.
Additionally, a card for debiting funds is indicated You can create and save templates for making payments for services to companies or transferring funds to individual accounts. Then it will be easier to perform actions according to the literal values of the template.
Various options shipments to top up your balance Fraud Protection
If you leave your smartphone unattended, it will be easy for an attacker to deprive you of the maximum daily amount for replenishing services cellular communications— 3000 ₽. Sometimes, for a while, you want to protect yourself from this kind of fraudulent attacks and disable the so-called “Fast payments”.
To disable the ability to transfer or withdraw money, you need to send one of the words: ZERO, NULL.
Transfer to card by phone number
In Sberbank, SMS commands to number 900 mean a transfer to an individual, company from the list of bank partners or legal entities. persons according to details. Messages are generated according to the following principles:
- You can transfer money to a client if you know his phone number (not his account) in this form: TRANSLATION (TRANSLATE or analogues in Latin letters), phone number, amount. The transfer limit is limited to 8 thousand rubles per day.
Transfer by recipient's phone 
Transfer from your chosen plastic card to the recipient's plastic card 
A confirmation message will protect you from possible error - Payments for services of various companies. You should look at the list of banking institution codes for the letter abbreviations assigned to companies. This is what you need to indicate when sending. After the space, the personal account, contract number or other parameter for identifying the client in this organization, the amount to be paid and the digital combination of the card are noted. The limit is 10 thousand rubles.
Transfers and payment for services 
Rules for making transfers to an organization's account Letter codes of organizations can be viewed in this tab on the official website - Billing payments are made according to the following template: recipient code, payer code, month for which the payment is made and card number. This procedure requires confirmation. This happens as standard according to the code in the response message.
Message type for billing payments 
Instructions for billing payments - Redemption credit obligations: CREDIT, borrower's account, amount and card.
This is what loan repayment looks like 
Instructions for loan repayment It is worth clarifying that the limits for a number of the listed operations will be higher if you use self-service devices or online banking. When paying or transferring an amount through a branch cash desk, there are usually no restrictions. Such rules are determined by safety precautions, which make it possible to increase the level of protection of money in the client’s account.
If you want to participate in charity, you can donate any amount to the Give Life foundation. It is enough to enter the following values in the message: GIFTLIFE or GRANTLIFE, donation amount and latest plastic figures. The validity is limited to 10 thousand rubles.
Sberbank mobile banking commands via SMS to number 900 will help speed up any transactions and are available almost anywhere (where there is a cellular signal) and at any time.
Conclusion
Today it is difficult to imagine your life without a mobile phone: it is not only used as a means of communication between people, but is gradually turning into a tool for conducting various banking operations. To carry them out, a whole system of short messages is provided, the convenience of which anyone can appreciate.
Initially, an SMS is received from number 900 (Sberbank service number), in which an unknown person asks to transfer him a certain amount of money, which will be debited from the victim’s account if the sent message is sent in a reply message digital code. Or the operation will be confirmed automatically after 600 seconds.
A person is naturally stunned by such a hopeless situation. And this is where the fun begins.
Suddenly a phone call comes from the official number of Sberbank (8-800-555-5550). On the other end of the line is a man who addresses the victim by name and reports that scammers are trying to deceive him. And he, as a bank security specialist, must understand and help with this problem.
Next, the Sberbank employee says that you need to stay on the line, write a response to the message - the code that is indicated there, then insert a space and the word - “cancel transfer”. After this, the money, along with the bank’s security specialist, disappears without a trace.
What to do?
- Do not panic. If you do not make any transactions, the money is not automatically debited.
- Do not do anything he says, but tell him that you will call him back and hang up.
IGNORE that he will insist that you don't have much time. Putting the victim under time pressure is the first thing scammers do. When there is not enough time, a person does not have time to comprehend the situation and follows the lead of a more confident person, i.e. on the scammer's lead. - Start asking about the employee’s name, what department he is calling from, and who his manager is. Start to pull the rug out from under his feet.
You ask, how can this be?
Pay attention to the service number from which the SMS comes. For a real Sberbank it is usually 90-0. Fraudsters may have 900 and 9OO (with two letters O) and other options.
The reverse phone number can be easily imitated by anyone if you call through some computer programs Internet telephony. Therefore, there is nothing surprising in this.