Scam tampers with bank details when printing bills

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It has become increasingly important to pay extra attention to avoid falling for scams. The most recent of these uses a virus to tamper with bank details when printing bills. Therefore, the Brazilian Federation of Banks (Febraban) recommends that, whenever possible, users pay bills directly through the bank’s application, without the need to print documents.

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Scammers are tampering with bill data using viruses (Image: Brenda Rocha – Blossom/Shutterstock)

Do not print receipts

According to Febraban, scammers are able to change data such as the amount and the account into which the money will be deposited. Another recommendation is to request the sending of invoices in PDF, a format that is more difficult to tamper with. Another tip is to always keep your antivirus up to date.

Many gangs use viruses to tamper with invoices when printing. It changes the details of the bill, such as the amount and the account in which the money will be deposited, and comes into action when the person prints the bill. To avoid falling victim to this type of scam, the recommendation is to ask the sender to send the file in PDF format, which is much more difficult to tamper with, and always keep an up-to-date antivirus.

Brazilian Federation of Banks

Checking the details of the bank issuing the account can also prevent the person from falling for a fake bank slip scam. This happens because some frauds can be easily identified. This is the case of documents that have a different logo from the financial institution that issued the title.

According to Febraban, the bank slip is one of the most used methods by Brazilians to pay bills such as schools, gyms, condominiums, health plans, consortiums, financing, credit cards, among others. Last year alone, there were 4.2 billion bank slip transactions, totaling R$5.8 trillion.

It is important to be extra careful not to fall for scams when paying invoices (Image: Brenda Rocha – Blossom/Shutterstock)

Option for DDA

  • Another way to avoid scams is to sign up for Authorized Direct Debit (DDA).
  • When registering, the customer will receive the electronic version of all invoices issued in their name.
  • As the service takes information directly from the Centralized Receivables Platform, a system created in 2018 by Febraban in partnership with banks to register collection documents within the standards required by the Central Bank, there is no risk of the document being defrauded by a scammer pretending to be a store or service provider.
  • To join the DDA, the consumer must register as an “electronic payer” at the financial institution where they have an account, and, if there is a charge in their name, the tool allows the customer to receive the bill electronically, which facilitates recognition of the debt and, after this recognition, authorize the debt for payment.
  • Registration can also be done via electronic channels.
  • Remembering that DDA is a different service from automatic debit.
  • By subscribing to Authorized Direct Debit, the customer authorizes the bank to notify them whenever a bill is issued in their name and makes the document available for payment, but does not carry out the operation.
  • In automatic debit, the consumer authorizes the institution to pay the bill on the due date.


The article is in Portuguese

Tags: Scam tampers bank details printing bills

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