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How to avoid currency exchange scams?

Как избежать мошенничества при обмене валюты?

The problem of fraud has not lost its relevance since the very development of the Internet. Criminals were especially active after the introduction of online payment technology, the vulnerability of which has become one of the most important challenges for virtual commerce.

It happens that a person simply needs to exchange one currency for another. At the same time, gullible users who have not shown due attention and ingenuity may well become a victim of a banal deception. Lets consider how to avoid currency exchange scams. What should you pay attention to?

 

Exchange in a banking institution - possible risks

It is important not to forget about the possible risks when making transactions in banking or exchange institutions that are located in supermarkets, in the market and in other public places. Here are the actions negligent specialists of banking institutions and exchange offices can take in order to appropriate part of the clients money:

Intentional depreciation of the exchange rate. Often a visitor sees a stand with currency quotes that suit him perfectly. Then he collects the necessary documents, takes money with him and brings them to the office for currency exchange. He does not even have the idea to check the exchanger for fraud. As a result, the cashier gives out money, the value of which does not correspond to the clients expectations, and the person feels deceived, since it is not possible to terminate the transaction. The bank employee excuses himself by the fact that forgetful employees did not update the stand on time. Therefore, it is very important to inquire in advance about the exchange rate, you should not blindly trust the quotes on the signs of institutions.
A high percentage of conversion, provided a large amount of money. This means that the buyer is counting on a profitable exchange, and the specialist informs him that such an attractive rate is provided only to clients who change colossal amounts of money. The advice is the same: carefully read the real exchange rate. How to check the e-money exchanger for fraud, we will consider below.
Lack of funds in the institution. And such a trick is quite beneficial for negligent employees of companies. The scheme is as follows: the client puts a large amount of money in the tray, the cashier starts counting them at his desk, and then declares that, unfortunately, that much money is not in the cash register at the moment. When recalculating funds, these employees may well appropriate several large customer bills. What to do? Before submitting money for exchange, you need to make sure that there is a sufficient amount of money in the cash register or find out about the possibility of pre-ordering it. The recalculation of money upon receipt or return will only benefit the client. In this case, the cashier will not be able to perform currency exchange fraud.
Counterfeit bills. Some experts use such a move as the detection of counterfeit banknotes in a person. Few people want to contact law enforcement agencies, because this is a rather time-consuming business. All scammers know about it. Therefore, the cashier offers to make an exchange at the minimum rate. These actions should alert any person. You should not go to this fraud, it is better to wait for the representatives of the law enforcement agency and check the accuracy of the words of a bank specialist or an exchange office.
Such cases are observed everywhere in all countries of the world, however, their percentage is not high, because there are an order of magnitude more conscientious employees of such institutions.

You can check the exchanger for fraud on the basis of its scale (the larger, the lower the likelihood of theft of funds, because each employee is engaged in his function, and does not combine them), the presence of regular customers and reviews about him on the Internet.

How to check a virtual exchanger?

In the global network, new exchange points are constantly being created that work online. Undoubtedly, there are honest exchangers, and some developers deliberately create sites to further conduct fake exchanges. If the user does not have time to visit the bank or the entire amount to be converted is in the e-wallet account, then the use of the online exchanger is undoubtedly justified. How to check the e-money exchanger for fraud? How to avoid falling for clone sites tricks?

First of all, a person must study information about a resource in the global network. Do not trust reviews posted on the site itself, because they can be prepaid comments. It will be safer to ask around from friends or look for information on thematic forums.

Its reputation also depends on the duration of the service. If the exchanger was created less than a month ago, then you definitely shouldnt trust it. It is much better to use the services of a site that has been exchanging for at least two years. You can check the true date of formation of the service using special programs that are available on the Internet.

An honest exchanger that does not engage in currency exchange scams will never hide their contact details and location. For clones, information may be fictitious. If the phone number indicated on the resource is a worker, and the operator always answers the questions asked, then this site can be trusted.

The service design plays an important role in recognizing an unscrupulous exchanger. If the design of the site is individual and does not look like a lot of standard sites, then the developer is serious about his work. Most likely, the fraudster will not order a unique design for his resource.

It is important to pay attention to which hosting the resource was created on, if it belongs to free domains, then the trust in the exchanger is minimal. Also, when checking the exchanger for fraud, the network client should be alerted to the restrictions on the exchange amount, which are set by the administration. As a rule, exchangers work in automatic mode and the limit does not matter for them.

If you cannot convert currencies the first time, then you need to think about finding another resource. Also, special sites that monitor exchange offices will help to check the honesty of the service. Another popular program for checking the honesty of a resource is WebMoney Advisor.

As you can see, the integrity of any exchanger or banking institution can be questioned. We figured out how to check the e-money exchanger for fraud. It should be understood that if you want to exchange a large amount of money, a potential client is already taking some risk. Therefore, it is imperative to be vigilant and concentrated and use the services of trusted resources with an unblemished business reputation.