Is giving out a bank account number risky? : CCM

Réponse 1 / 6

Tyte

Hello.

As a banker, I can assure you that the risk is not in giving your account number and bank details (RIB), but who works at your bank.

Indeed, it will be IMPOSSIBLE for someone to empty your account with just your RIB number (which is useless except to indicate a destination for the funds).

On the other hand, there is a risk if the person who works at your branch is not very serious and processes transfer orders received by mail / fax / email ... without prior verification.

I hope I have answered your question.

Have a good day.

houda

I was called for a subscription to France Telecom Orange internet and I gave my checkbook number, and since then, no internet or contract with them. Is it possible for someone to use my bank account details for a withdrawal or purchase online? Thank you for responding. And the bank cannot oppose any potential suspicious withdrawal until there is an actual withdrawal.

nad74

BJ I had the same scammer who pretended to be my phone operator and I provided him with my bank details. My bank told me the same thing: as long as there are no withdrawals, they won't oppose these scammers. So I check my accounts every day.

DAL

If I understand correctly, with a bank account number or an RIB, an individual can see how much money is in a current account. I would like some clarification on this topic because in the case of my personal account, someone can see everything I have in my account and my expenses without having access to my statements. How is this possible? It's strange. Thank you for answering me.

orki

As the banker said, a bank account statement is like an address; it's just the address of where your money is. No one can take your money or check your accounts with it. However, some people use the bank account statement to commit identity theft. When in doubt, NEVER send your bank account statement.

Réponse 2 / 6

geva

A bank account identification (RIB) is an authorization to access your account and should never be given for the purpose of depositing money into an account!

The European Union has done a lot of work to facilitate intra-European transfers that are there to send money between countries, banks, currencies, etc.

The IBAN (International Bank Account Number) is a unique code that you can give to collaborators so they can send you funds. Money comes in, but it doesn't go out!

The RIB is also an authorization to withdraw money - so be careful!

thomas

finally a true answer!!!! thank you

geva > thomas

Meanwhile... I discovered more information on the subject and I think the key element of why this isn't clear.

By itself, an account number should not give access to your account. RIB - Bank Identity Statement (basically bank, account number, etc.). However, a direct debit authorization can give access to your account. The part I find a bit stupid is that they also call it a RIB.

HeXa

FAAAAAAAAAAAAUUUUUUUUUXXXXXXXXXXXXX!!! The IBAN (or International Bank Account Number) is ultimately just an international bank account statement. People should learn to keep quiet.

Réponse 3 / 6

tedylou

Hello,

This post contains some sensible messages, and some nonsense. There is nothing else you can do with a bank account number (RIB) than to deposit money into the account.
Those who want to commit fraud have no difficulty finding or inventing a RIB without being sent one.

We should not forget that we often hand a check to strangers, and that a check includes not only the complete RIB but also, even worse, the signature of the account holder, which allows for far more certain fraud.

In any case, even if one falls victim to fraud, one cannot be held liable for any payment for having provided a RIB, even to a dishonest stranger, as this does not constitute a fault or a contravention of agreements with the bank.

Bank transfers remain the safest method of payment on the Internet, whether it is towards an individual or a company.

In this regard, companies are far from being more reliable than individuals: when making a payment to companies like SURCOUF or CAMIF, for example, that have a storefront, and they then file for bankruptcy, the funds are almost definitively lost, officially and with the blessing of a trade tribunal, indeed, but LOST.

lindafaure

Hello, I agree with you regarding fraud, however, when a mobile phone operator asks you for a bank account number while you want to pay every month by check but they still want a bank account number, what do you do?
We should not give them the right to withdraw from the account!!!
Okay, it's rare that they withdraw more than what’s due but it happens!
I find it outrageous that they force people to give them the bank account number, isn't a check enough?
As you said, the bank account number is included, but with a check, we always have a record and the amount is stated on it, which prevents them from withdrawing a different amount.
Where is the law that states that a mobile phone operator can force its clients to give their bank account number?
Is it just me or are we going crazy in France?

StriixG4meRs > lindafaure

This is France today...

milbille Posted messages 8 Status Membre > lindafaure

The act of providing one's bank details, even to a telecommunications operator, does not authorize them in any case to make withdrawals from the account specified by this bank details. To make a withdrawal, it is imperative that they have a signed direct debit authorization from the account holder.

béré > lindafaure

we're going crazy in France

Réponse 4 / 6

pornic44 Posted messages 13 Status Membre 14

Hello
There is no risk in giving your bank details to an individual to settle a purchase on eBay, Le Bon Coin, or elsewhere. The person receiving the bank details can only deposit money into the account and cannot withdraw funds in any case.
The risk would then be huge, even when giving your bank details to organizations such as for telephone, electricity, gas, or others.
If you don't believe me, ask your bank.
Best regards.

Réponse 5 / 6

44pornic

Hello
There is no comparison between a blank check and a bank account details, it's like night and day. You can give your bank details for a bank-to-bank transaction between private individuals, and you can only deposit money into the account represented by the bank or postal details. If you give your bank details for direct debits, there is an authorization form to fill out and sign to allow the bank or postal service to make withdrawals from the account for payments like EDF, GDF, store cards from major brands, various subscriptions, and also taxes.

Réponse 6 / 6

magneto02

Hi, basically it depends on the numbers you provide. If you only give the national numbers, it’s easier to track. If you give all the national and international bank account details, there’s always a risk! However, the bank cannot act without your consent; otherwise, there’s a dispute! Authorizing a direct debit is one thing, but if you’ve signed an authorization with your own hand, etc., then you remain protected. There’s less risk with a credit card, as in 5 minutes you could easily have €1500 withdrawn online, but it’s still best to avoid giving your bank details to just anyone!

Is giving out a bank account number risky?

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