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Important note:

We will never ask you for passwords or request you to install software or confirm transactions over the phone. Protecting your data is our highest priority.

If in doubt: contact the bank. If you are unsure, contact us directly!

Why cybersecurity is important:

As one of the most trusted banks in the world, we are committed not only to providing you with excellent financial services, but also to providing you with optimal support and protection in the digital space. Trust is based on security – and that is exactly what we work on every day.

On this website, you can find up-to-date information, practical tips and guidance on how to navigate the digital world safely.

Recognise and avoid digital fraud

Cybercriminals use phishing, fake bank contacts and marketplace fraud to exploit trust. Be suspicious of pressure tactics, links or payment requests. Do not disclose any data, use official channels only and immediately delete any suspicious contacts.

Phishing: how to protect yourself against fraud

Almost every digital scam starts with phishing. Fraudsters try to obtain confidential information via e-mails, text messages, messenger services, social media or phone calls. The messages often appear deceptively real: logos, colours, sender names or familiar texts are deliberately imitated.

Important to know: messages from apparently known senders can also be faked. Familiar does not automatically mean safe. Be especially suspicious if an offer, refund or urgent request sounds too good to be true.

Noticeable signs may include:

Phishing messages deliberately create pressure or fear, for example through purported account closures, outstanding payments or security issues. The goal is to get a quick, knee-jerk reaction, as stress reduces concentration. Noticeable signs may include: 

• Urgent or threatening wording
• Impersonal or false form of address
• Noticeable grammar or spelling mistakes
• Cryptic or unusual Internet addresses
• Requests to enter passwords, codes or personal data

How to actively protect yourself

Never log in via a link from a text or WhatsApp message. Always go directly through the official website or app. We generally do not send text messages with login links.

• Do not click on any links in unexpected messages.
• Do not open suspicious attachments.
• Do not share sensitive information.
• Only use the official LLB contact channels.
• Always question any unexpected request.
• Stop immediately if you are at all suspicious: safety comes before politeness.
• Report suspicious messages immediately.

Cybersecurity: when fraudsters pretend to be LLB employees

Increasingly often, fraudsters are impersonating LLB employees, using fake telephone numbers, names and online profiles that look deceptively real. The goal is to gain your trust and obtain personal data, access information and transaction approvals.

Contact is usually made by phone or by sending a message. The fraudsters pretend there is a purported security problem or an urgent need to verify your account. You are then supposed to click on links, install apps or share sensitive data such as passwords, PINs or codes. These types of requests will never come from LLB.

How to recognise fraud:

• You are contacted unexpectedly and put under pressure or stress.
• You are made to feel a sense of urgency or consequences are threatened.
• Phone numbers may be manipulated or displayed incorrectly.
• The purported LLB employees pose as IT or support staff and request software downloads – LLB will never do that.
• The conversation is conducted in an unusual manner: answers to your questions about names or departments are evasive and unclear.
• Links lead to unprofessional or unknown websites.
• E-mails, social media profiles or sender details may be faked.

How to protect yourself:

• Do not share any confidential data over the phone or via message.
• Do not follow any unexpected links and do not install any software if asked to do so.
• Immediately end conversations if you have an uneasy feeling, are in any doubt or are at all suspicious.
• If in doubt, ask for the name and department, hang up and call back yourself using the official LLB telephone number.
• Only use the known, official ways to contact LLB.
• Report any suspicious contact immediately.
• Don’t let yourself be put under time pressure.

E-commerce fraud: buy and sell safely on Tutti, Ricardo and other platforms

Online marketplaces like Tutti, Ricardo, classified ads or Facebook Marketplace are convenient but increasingly targeted by fraudsters. They use fake profiles, manipulated payment links and fictitious shipping confirmations to cause financial harm to buyers and sellers. The scams seem credible because the fraudsters act professionally and communicate in a very friendly way.

A key warning sign for many fraud cases is the attempt to make contact and handle payments outside the platform. This is how fraudsters deliberately circumvent the protection mechanisms provided by the marketplaces. Fake payment requests are particularly common. Buyers receive a purported link to a "payment service" that actually leads to a phishing website. Sellers are deceived with alleged bank transfer confirmations or are expected to pay shipping costs in advance. 

How to recognise fraud:

• Contact is made very quickly with an urge for immediate action. 
• The purported buyer or seller switches from the platform to WhatsApp or other messenger services. 
• Links lead to unknown websites. 
• The language is unusual or appears automated. 
• Payment confirmations contain errors, unclear amounts or refer to unknown providers. 
• They will often promise that "everything runs automatically" but you are still expected to make an advance payment.

How to protect yourself: 

• Only communicate via the platform. 
• Only use secure, official payment methods. 
• Do not transfer any money to unknown persons, and particularly not for purported shipping labels. 
• Check profiles for any discrepancies. 
• Be sceptical if something sounds too good to be true. 
• Keep all messages and report suspicious activity to the platform – this helps with investigations.