(English ver.)Essential Voice Phishing Prevention Tips Every International Student Should Know

핵심 요약

Transferring or lending means of access such as bankbooks or debit cards is an offense under the Electronic Financial Transactions Act

If you have handed over your account or card, stop the transaction at your financial institution and report to the police (☎112) immediately

With money laundering cases exploiting peer-to-peer (P2P) currency exchange on the rise, always use banks or authorized currency exchange services

A (Student) was a cash-strapped international student. Seeing currency exchange ads posted on WeChat and other platforms, he sent yuan (RMB) to a Chinese money changer. Before long, a large sum was deposited into his Korean bank account — "Faster than a bank and cheaper too," he thought. Soon after, however, he received a notice that his account had been frozen. The money deposited into his account was none other than criminal funds transferred by voice phishing victims. In the end, Student A was suspected of re-transferring the voice phishing money he had received through illegal currency exchange. All of his related accounts were frozen, and he became entangled in a fraud case that put his entire study-abroad life at risk.

🚨Do Not Share Your Accounts

Transferring or lending means of access such as bankbooks or debit cards is strictly prohibited under the Electronic Financial Transactions Act. Violation may result in imprisonment for up to 5 years or a fine of up to 30 million KRW. What may seem like a trivial act — "I just lent it for a moment" — can bring serious legal consequences, so please be extremely cautious.

🚨Report Immediately When Damage Occurs

If you have handed over your account or card to a stranger, please immediately request a loss report or transaction suspension through your financial institution, and then notify the police (☎112) right away. The longer the report is delayed, the greater the damage can become, so a prompt response is essential.

🚨Always Use Safe Channels for Currency Exchange

Recently, voice phishing money laundering cases exploiting peer-to-peer (P2P) foreign currency transactions have been frequent. For currency exchange, please use banks or authorized foreign exchange services whenever possible. Be sure to decline any unusual exchange offers from unverifiable sources.

❓Frequently Asked Questions (FAQ)

What should I do if the means of access I lent was already used in a crime?

Immediately stop transactions on your account and cards through your financial institution and report it to the police (☎112). Even if you were unknowingly involved in a crime, gather any evidence and transaction records and report as quickly as possible.

Why is peer-to-peer (P2P) currency exchange risky?

Currency exchange that bypasses proper procedures can be exploited for illegal activities such as money laundering. In particular, if money deposited through private money changers on platforms like WeChat turns out to be voice phishing criminal funds, transferring it can lead to all of your related accounts being frozen. Always use banks or authorized foreign exchange services.

What daily habits help prevent voice phishing?

Do not respond to money requests from unverified calls, texts, or messengers; never lend your account or card to others; and regularly check your own account transaction history.

🍀Conclusion

Voice phishing preys on a single moment of carelessness. Every small rule — never sharing means of access, reporting damage immediately, and using safe currency exchange channels — is the power that protects your assets. Please remain vigilant at all times and enjoy a safe and convenient financial life.

※For any questions or concerns about voice phishing, please contact the Shinhan Bank Customer Service Center at ☎1599-8000 (weekdays 9:00 a.m.–6:00 p.m. / closed on weekends and public holidays).

🚨Do Not Share Your Accounts

🚨Report Immediately When Damage Occurs

🚨Always Use Safe Channels for Currency Exchange

연관 키워드