Taking advantage of the user’s good faith, some individuals and organisations of fraudsters try to get hold of the user’s access credentials and secret codes through:

  • sending fake e-mails containing links to fake websites (phishing)
  • spreading viruses (crimeware).

Computer fraud of this kind, known as phishing, consists of the creation and use of e-mails or websites apparently linked to financial institutions, and is only successful if the fraudsters manage to get hold of the personal access credentials, as well as the profile credentials or online banking users.

The crimeware scam consists of contaminating the PCs of online banking users with computer viruses. These types of viruses can retrieve personal information from computers and transmit it to the fraudster.



  1. Keep your access data (username and password) private. Do not save them on your computer. Keep your username and password separate, and periodically change your password according to the instructions provided by the Bank (use numbers and letters, upper and lower case, punctuation marks and avoid using your first and last name, date of birth or other easily identifiable data).
  2. NEVER give your passwords to anyone. Please note that no employee of Banca CF+ is authorised to ask for them; therefore, Banca CF+ will never send any request in this sense, whether made in person or by phone, mail, e-mail or any other means.
  3. Always access online services by typing, rather than click on any link in an e-mail to follow up any request contained therein.
  4. Make sure that the web page where you enter your personal data is secure, and be wary of pop-ups. To check that the web page is secure, check that the address is preceded by ‘https’ or that your browser has an icon showing that you are connected to a secure site, usually a closed padlock next to the internet address.
  5. Pay the utmost attention to the presence of manipulated pages, i.e. pages with a different graphic appearance from those of the internet banking application, or with suspicious content (e.g. messages not in Italian).
  6. Regularly check the statements of your accounts and deposits to ensure that the transactions reported are those actually carried out;
  7. Activate any SMS security alerts made available.


Here are some tips to help you protect your PC:

  1. Protect your PC, from viruses and spyware, by installing and keeping the appropriate protection software (antivirus, antispyware, antimalware, etc.) up to date and carrying out periodic scans;
  2. Keep your PC’s operating system and applications constantly updated by installing so-called patches. Only download official updates, available from the manufacturers’ websites;
  3. Protect incoming and outgoing traffic from your PC by installing appropriate data flow filtering programmes, known as firewalls;
  4. When surfing the Internet, do not allow remote activities to be carried out without your authorisation and only allow the installation from the web of programmes whose origin and reliability can be verified;
  5. Infection often involves a sudden change in system settings or a deterioration in general performance (e.g. slowing down, opening unwanted windows, etc.). Such changes may be indicative of suspected infection.


If you think you have suffered a fraud, send an email to 
If you think you have suffered a fraud, after having communicated it to Banca CF+, contact the competent authorities (for example the Police or Carabinieri), who are at your disposal 24 hours a day, also through a special website