Less volatile than a check which can be lost, more general public than direct transfer applications like Paylib or Lydia, bank transfer remains the most popular solution for making a payment from your account to an individual or certain professionals. However, this practice often requires communicating a bank identity statement (RIB), which contains a lot of personal data.
Transmitting a RIB: a rarely dangerous process, but…
Bank ID statement is mainly used to credit money to an account. Rest assured, this document does not contain all the information that allows you to access your account and possibly debit it. It is therefore sufficiently secure to represent a preferred solution for your personal transfers. However, a money transfer via a RIB is not an operation to be taken lightly. And for good reason, a RIB can be used to issue fraudulent direct debit orders, particularly in the context of advertising phishing.
How to protect your bank account against a RIB used fraudulently?
Fortunately, bank accounts are now more secure than ever and there are numerous safeguards to ensure you can transmit your RIB without worry. For example, it is impossible to issue a direct debit order in France without having a Sepa creditor identifier (ICS), which makes the misappropriation of RIB almost impossible by individuals. Then, the development of strong identification options, such as double authentication (by SMS or by sending a notification on your bank’s application), means that you can keep control of each banking transaction, including those made without your knowledge. If you notice fraud, you have eight weeks to contest an unsolicited direct debit.