Dropping : Easy money that can have serious consequences

Today, scammers aren't just using phone calls, fake websites, and instant messaging. Increasingly, their schemes involve ordinary people, who themselves become tools for transferring and concealing illegally obtained funds.

Such people are called droppers.

Often, people don't even realize they're helping scammers. They're offered easy money, promised a reward for a few simple actions, or asked to temporarily use their bank card. However, the consequences of such a decision can be much more serious than initially apparent.

Who are droppers?

A dropper is a person who provides their bank card, account, e-wallet, or access to remote banking services to conduct financial transactions on behalf of third parties.

Most often, fraudsters use droppers to transfer, cash out, or conceal the origin of illegally obtained funds.

Essentially, the dropper's bank account or card becomes an intermediate link in the fraudulent chain.

How do scammers lure people into their schemes?

Fraudsters actively use social networks, instant messengers, classifieds sites, and even job offers.

Typically, the scheme begins with a tempting offer:

• "Earn money easily without any job experience";
• "Remote work with high pay";
• "Receive transfers to your card and earn interest";
• "We need a person to process payments";
• "Open a bank card and get a reward."

Fraudsters may claim that such actions are completely legal and risk-free. However, the real purpose of such offers is to use other people's banking products to conduct dubious financial transactions.

Why is this dangerous?

By transferring your card, account, or access to banking services to others, you lose control over what transactions are carried out in your name.

Even if the account holder was not directly involved in the fraud, the use of their banking products in illegal schemes can lead to serious consequences.

Possible risks include:

• blocking of bank cards and accounts;
• restrictions on the use of banking services;
• financial losses;
• verification of the origin of funds;
• reputational risks;
• legal consequences in accordance with the law of the Kyrgyz Republic.

Therefore, offers of quick money for a few money transfers should raise particular caution.

What cannot be shared with third parties?

For your financial security, never share with others:

• bank cards;
• account details;
• logins and passwords for online banking;
• SMS codes for transaction confirmation;
• access to the mobile banking application;
• electronic wallets and other payment instruments.

All banking products are intended solely for personal use by their owner.

How to protect yourself?

To avoid becoming a participant in a fraudulent scheme:

• Don't agree to offers of easy money related to money transfers.
• Do not open bank cards and accounts at the request of strangers.
• Do not share access to your banking products with third parties.
• Do not perform financial transactions on the instructions of strangers.
• Always verify the information if the offer seems too good.
• If you have any doubts, please contact the bank for advice.

Remember

If you are offered to receive money on a card, withdraw it in cash, or transfer it to another person for a fee, this is a serious reason to refuse such an offer.

Keeping your funds safe starts with being responsible with your banking products. Don't let fraudsters use your accounts, cards, or personal information for their own purposes.

Customer Safety

Doscredobank OJSC pays special attention to financial security issues and regularly informs clients about common fraud schemes and ways to protect their funds.

For more information on safety recommendations, please visit the dedicated section of the website:

Customer Safety in Doscredobank OJSC

Protect your banking information and do not share it with third parties.