Secure card payments
Fraud protection
Identifying fraud
Being well-informed is one of the best defenses against fraudsters and perpetrators of financial fraud. The information below will help you stay one step ahead of fraudsters and fraudulent activities and avoid becoming a victim, while utilizing the support and resources of one of the leading banks in the country.
Scams are sometimes difficult to spot. Scammers will often contact you via phone calls, emails, text messages, social media or other communication channels posing as employees of your bank or someone you know and trust and ask you to send money and/or details from your accounts and/or payment cards. That's why it's important to be vigilant and cautious, starting with these helpful tips for avoiding scams:
Never share your passwords, PIN codes, or allow remote access to your personal devices - Stopanska Banka will never ask you for them.
Make sure your contact information is always updated at Stopanska Banka.
Switch to electronic statements and documents to reduce the risk of banking and personal information being stolen or intercepted through the mail.
Activate multi-factor authentication (MFA) and other security features through your mobile carrier and change your passwords regularly.
What you can do if you suspect potential fraud:
Immediately report your card if it is lost or stolen, or temporarily block it for any reason via the Stopanska Banka mobile application.
Call the Contact Center of Stopanska Banka at 02 3100 109 if:
You believe you are a victim of fraud.
Notice transactions in your Stopanska Banka account that you don't recognize, such as unexpected payments, withdrawals, or fund transfers.
You receive notifications about account changes that you didn't request, including updates to your contact information.
You know that you have shared confidential information with potentially suspicious persons, including your personal data or bank account data at Stopanska Banka, login data for Stopanska Banka's digital banking (username and password), or payment card data at Stopanska Banka.
How our agents will help you:
If you have shared your login details, they will help you change your digital banking login password.
They will also work with you to review all recent activity on your account and note any unauthorized charges or transfers of funds.
Suspicious messages/calls
Emails: What to watch out for
Requests to share your password or personal information
Urgent messages that prompt you to log in immediately, with a button or link. Be especially careful with links sent through legitimate platforms and services. Fraudsters often abuse these channels to trick you into entering payment card details or other sensitive information.
Pay attention to the small details — fraudulent emails often contain spelling or grammatical errors.
Always check the sender's address — phishing emails often come from addresses that look almost identical to the real thing, but contain extra letters, altered characters, or unfamiliar domains. The address may appear legitimate at first glance, but combinations of letters can create a misleading visual impression. For example, an address that appears to contain the letter "m" may actually be a combination of the letters "r" and "n" ("rn"), giving the impression that it is a legitimate address.
Never open attachments or click on links from suspicious emails.
Text messages: common signs of fraud
Requests to take or confirm actions through channels other than Stopanska Banka's digital banking or our mobile application.
Urgent requests to click on shortened or unknown web links
Pay attention to the small details — fraudulent text messages often contain spelling or grammatical errors.
Never open attachments or click on links from suspicious text messages.
Phone calls: when to be suspicious
Anyone who calls you and asks for your account password, PIN, or other confidential information
Requests to share sensitive information over the phone
Requests to install software or allow the caller to remotely access your account
Stopanska Banka will never call you and ask for this information.
By sharing these fraud attempts with us, you are helping us identify new trends in fraudulent activities and develop strategies to prevent them. Please submit all suspicious messages to stbfraud@stb.com.mk
Your report will be reviewed by the competent services and will significantly assist us in detecting and preventing fraudulent activities.
How we protect you
From opening a new account to shopping at your favorite stores, our features and services help you stay protected. This includes biometric security technology, which allows customers to use fingerprint and facial recognition as an extra layer of security.
If we notice certain transactions that follow patterns commonly used by fraudsters, we may send you an SMS or email to confirm whether you authorized those transactions. To ensure you receive these notifications, please make sure you have updated your current contact information with the Bank.
If you are contacted by a person claiming to be a representative of Stopanska Banka:
If you receive a text message or email asking for personal information, do not respond to the message. Delete it and do not click on any links.
If you are contacted by phone and asked to read the one-time passcode that was sent to you, do not share the code or reveal your PIN. If you have already shared a one-time passcode or PIN over the phone, immediately call the Contact Center at 02/3100-109.
All suspicious emails that appear to be sent from Stopanska Banka can be forwarded to stbfraud@stb.com.mk.
You can also use the address stbfraud@stb.com.mk to report suspected misuse of bank data, payment cards or unauthorized activities related to your products and services at Stopanska Banka.