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That's the new online fraud banking check

From now on, the bank will notify the user if the recipient's name and IBAN code do not match, as this measure is intended to nip in the bud the transfer fraud.

Hemendik aurrera, bankuak erabiltzaileari jakinaraziko dio, hartzailearen izena eta IBAN kodea bat ez badatoz; izan ere, transferentzia bidezko iruzurra errotik moztea du helburu neurri horrek.

Bank transfers are changing. From now on, before an operation is carried out, the banks will verify that the beneficiary's name and account number (IBAN) match.

This measure is part of the new European Immediate Payments Regulation , which has been in force since this month, with the clear aim of preventing fraudsters from taking advantage of errors or deceptions in the recipient's data.

Until now, transfers were processed by organizations only on the basis of the IBAN code, even if the name did not match. This gap facilitated increasingly common fraud, such as phishing or supplanting.

With the new system, known as Veriation of Payee (VoP), the bank will alert the user before sending the money. It does not block payment, but it does provide a second chance to review information and avoid transfers to fake accounts.

Entities which do not apply this control properly must return the money in the eventof fraud, as provided for in the new European regulations.

Industry experts stress that the measure 'brings Europe closer to a safer and more transparent payment model', but warn that verification is not a substitute for user responsibility.

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