Safe banking — how to recognize fraud

This guide helps you use Juuli safely. It explains the most common types of fraud in plain language and how to recognize them.

What Juuli will never ask you for

Juuli will never ask you for your password or your two-factor (email) code.
Juuli will never phone you to ask for security information, and will never ask for your login code or security details by email, SMS, WhatsApp or social media.
Juuli will never ask you to move your money to a "safe account".

Any message or call asking for this is a scam — don't respond, and let us know.

One exception you should know: for an online card payment you started, we may send a one-time 3DS code to your phone by SMS. Enter it only on the payment page — never read it out or share it with anyone who asks.

Common types of fraud

Phishing

Fraudsters try to steal your passwords and security details using fake emails, messages and websites that look like your bank or a payment provider. The fake page's look and address are often almost identical to the real one. Don't follow messages that ask you to click a link and log in or to share your codes. If you're unsure a site is genuine, you can check when its domain was registered — a very recent registration can be a red flag.

Shoulder surfing — payment terminals

When you enter your PIN at a payment terminal, make sure no one is watching and cover the keypad with your hand. Always keep your card somewhere safe.

Spoofing / help-desk fraud

Fraudsters can disguise an email address, phone number or caller ID to look like a trusted sender. They may call saying "there's suspicious activity, move your money to a safe account" or "confirm your login details". Juuli — and any bank — will never ask for your login details or tell you to move your money to another account.

Impersonation / WhatsApp fraud

Someone pretends to be a person you know (usually from a new number) and urgently asks you to pay a bill. Typical signs: new number, urgency, contact only via WhatsApp. Before sending money, reach the person another way and confirm; if you can't, don't send anything.

Fake payment requests and links

When you receive a payment request or link (especially from someone you don't know), check that the page it leads to is genuine. Fraudsters often use fake payment pages, and anything you enter goes straight to them. Never enter your account details on a link you don't trust.

Marketplace / second-hand fraud

Be careful with very attractive deals — if it sounds too good to be true, it usually isn't true. Check the market value of the item; a price that's far too low is a warning sign. Fraudsters may also send fake "€0.01 verification" payment requests to "check you're real" — these are usually fake. Research the site and the seller first.

Don't become a money mule

If anyone asks to use your account or to move money through it — no matter how appealing the reward — never agree. Your account is likely to be used for illegal activity, and you can be held (criminally) liable because the account is in your name. Consequences can include being unable to open accounts or obtain credit, and criminal proceedings. This also breaches Juuli's Acceptable Use Policy and leads to your account being closed.

What to do if you're suspicious

Freeze your card immediately: Financial Accounts → Cards.
Report it to us at support@juuli.com.
If a payment link or IBAN was shared, also report it to your local police.
Remember: Juuli never asks for your password or two-factor code — don't share it with anyone.

Still have questions? Email our support team at support@juuli.com — we're happy to help.