Sending bank details by email

Don’t send bank details by email for any reason it’s risky scammers can get around anything. I think it is best to wait until you see her personally.

I wouldn’t have thought so either. Bad luck for her, but she is making extra work for other people and IMO the extra money should be put into your general branch funds.

Has she ever in her life written a cheque because that would have the exact same details as she'd be giving in an email? You're correct that even if an email was intercepted those details would not give anyone access to her account without further passwords or memorable data.

I have passed the problem on to the treasurer to deal with, but I was just interested in what people thought.

I love organising these trips, but it does highlight the old saying "There's nowt so queer as folk!" One person just did not turn up, and we are all there in the coach waiting - I rang her mobile and she calmly said "Oh, I am not coming, I don't feel 100%" - the idea of letting me know did not seem to have occurred to her!

I totally agree with Rosie 51. Also a cheque has a specimen signature. Not too long ago we used cheques regularly and booked things over the phone giving our card details.

Every invoice I receive for my business has the supplier’s bank details on it so I can pay them. I put our business account information on invoices I send out. It is normal.

Your friene is being ridiculous.

I often purchase lots from auction houses and their bank details are always on the invoice they send me by email. I am sure all these companies are not too worried about having their accounts hacked. Bank transfer is one of the safest payment methods their is. I run an online shop in the EU and many customers prefer this method rather than card or Paypal so I send them my bank detals.

Texting or whatsapping in secure. Email is not. Your friend is right, Lucky.

How do people think that business runs these days?

Trillions of invoices fly around the world by email with bank details on.

I send and receive dozens every day for our own business.

We even publish our church bank details in the parish magazine so that people can pay for events etc. No-one can access the account with just the BACS information.

I'm prepared to accept that, notagran, although it was someone working for JPMorgan Bank that told me to use text or whatsapp as more secure.

Anyway, texting or whatsapping details are alternatives to email so I don't really see why there was a problem for the OP's U3A group. The woman didn't have to send her bank details by email. There are easy alternatives. 🤷🏻‍♀️

I have several friends who won't buy anything online as they won't use their card details. I had another pal at the gym who did not have any cards and only used cash as he didn't want to be in debt!

No one can do anything with your sort code and bank number ...apart from deposit in that account.....it would have been fine

kircubbin2000

I have several friends who won't buy anything online as they won't use their card details. I had another pal at the gym who did not have any cards and only used cash as he didn't want to be in debt!

My mum won't herself....she worries its not a secure site....but she's happy for me to do it on her behalf as she feels I have more experience and won't be scammed.....does your friend lack confidence online?

Baggs

I'm prepared to accept that, notagran, although it was someone working for JPMorgan Bank that told me to use text or whatsapp as more secure.

Anyway, texting or whatsapping details are alternatives to email so I don't really see why there was a problem for the OP's U3A group. The woman didn't have to send her bank details by email. There are easy alternatives. 🤷🏻‍♀️

Every invoice i get comes via email with bank details on

It is OK to send them by email, provided the person paying into the account phones the sender to verify it is from them. Where I work we have to check them by phone too and if we don't have that, they have to post that. The danger is that a scammer intercepts the email and substitutes their details for the legitimate ones.

Just tell her to text it. All text messages are encrypted end to end meaning that only the sender and receiver can read them.

Tizliz

Every invoice I receive for my business has the supplier’s bank details on it so I can pay them. I put our business account information on invoices I send out. It is normal.

And they are often attached to emails.
I've just paid two today.

We pay for birthdays as part of our WhatsApp group in work. We just put our bank details on and pay each other. Common practice I think.

If you must send bank details by email can I kindly suggest you do it this way . 3 emails in the first one the first 2 numbers of the sort code followed by the first 3 numbers of the bank account, Then in about 30 minutes a second email with the second 2 number of the sort code and and the next 3 numbers of the account and last email leave it for about an hour then the last 2 numbers of the sort code and the last numbers of the bank account . Give them a funny title, I know it is a bit of a faff but I have done this with people I know when refunding money.

Luckygirl3

Just wanting opinions.

I organise concert trips for local U3A. Someone pulled out at the last minute and, as I was able to sell her place on, I contacted her and asked for her bank details so I could organise a refund. She had paid some weeks ago by BACS.

She is unwilling to send those details as she says email is not secure.

Is she right about this? I cannot see that, even if the email were to be hacked, anyone would be able to use these details to get money from her account without further passwords etc.

The person refusing to give bank details by email is correct and sensible. Scammers can use bank details for all sorts of fraud and in hacking an email, they don't just get bank details but access to historic emails sent to and from the person which will tell them all kinds of useful information in addition to the bank details. They can also send emails to the hacked person's contacts. I would however give options - do you want to verbally give me the bank details so they're not in an email or is there some other way you'd like the money back. Hope this helps.

Why couldn't she give you the details verbally? When you set up to pay someone the banking system checks their name, sort code and account before allowing you to progress to payment.

Rosie51

Has she ever in her life written a cheque because that would have the exact same details as she'd be giving in an email? You're correct that even if an email was intercepted those details would not give anyone access to her account without further passwords or memorable data.

All the details you need to make a payment, and more are on a cheque. Not sending these by email is a security step too far!

Call her and ask her for the IBAN number, and then deposit the money into her account.