Security and Privacy

Certain criminals catch their victims among bank customers with the latest methods. Bank customers have claimedto be victims of identity thefts, frauds, counterfeits and unauthorized withdrawal from their accounts. We aim to provide you with the information needed to prevent identity theft and the instructions to help you react correctly to the crime against you.

►Security and Privacy Policies

We respect your privacy and safeguard your information. We are going to upgrade our web security using the latest versions of relevant software and hardware to protect your privacy more effectively.

►Personal Info Use

We use your personal data, which we hold confidential, to tailor our services in accordance with your needs and demands.

►Personal Info Request

We never ask for your information through emails, telephone calls or text messages.

►Cookies

Websites place cookies on your computer to read your information on your subsequent visits. But we never use cookies.

►Find Us Online
  • www.sb24.ir
  • www.sb24.com
  • https://ib.sb24.com is the Internet address for Saman NetBank. Check the address to ensure it is correct before entering username or password.
  • https://shop.sb24.com is the Internet address for Saman Bank Store. Check the address to ensure it is correct before entering username or password.
►To Work With US

To hire we inquire your personal information only by sending emails from our bank website or by asking you to fill out our forms online. Do not send your personal information to email addresses not registered with our website and never fill out the forms without our website.

►Rules

Due to some administrative shortcomings our website may not be updated and some new information may be missing. For the latest updates and full information about our services you can come and visit us in person at branch or dial 021-6422.

►For Further Info
  • Contact Saman Bank’s Inspection Division at 021-23095401
  • Email us at CCO@sb24.com
  • We never ask for your card password, NetBank password, account number, national code, Telephone Bank password or etc. though emails, SMS, or telephone calls.
  • Choose a not-easy-to-guess password. Never use your name, birthday, identification number or any other form of personal information as your password.
  • Irregularly reset your password.
  • Never write down your username and password and keep them safe.
  • Update your software.
  • Use antivirus software and upgrade it constantly.
  • Use a firewall to prevent access to your personal computers. Firewalls are software or hardware designed to prevent unauthorized access to your personal computer when you go to a website or surf the Internet as it controls inputs and outputs.
  • Monitor your account transactions daily and the reports annually.
  • Checks, credit cards and other documents with your national code must be kept safe.
  • Bankcard documents, receipts from ATMs, bank account statements must be irreparably torn apart into pieces.
  • Confirm group transactions one by one; never confirm a bunch at one time.
  • Shut down the computer after each use.
►For Further Info
  • Contact Saman Bank’s Inspection Division at 021-23095401
  • Email us at CCO@sb24.com

Identity theft means the use of someone’s personal information without his or her permission. Personal information or identity document theft means an unauthorized use of identification card, national identification card, driver’s license, paper of ownership, bankcards or any personal information including passwords.
Identity theft causes a misuse of your properties or financial credit, which can causes institution of legal proceedings against you.

►How does an identity thief use your data?

An identity thief uses the counterfeits of your identification card or national card and makes use of your accounts for their benefits. Identity thieves also may steal your bankcard, password or bank account and use the documents as legal papers for certain purposes. Moreover, identity thieves use the counterfeits of your identity card or national identification card to open bank accounts or apply for checkbooks, tax codes, or insurance putting your credit at risk. You must notice that any copy or picture of your national card or national identity is suffices for an identity thief to counterfeit your identity documents and to make use of your life insurance and long-term savings. When busted, an identity thief can present your stolen papers and make your legal reputation tainted.

►How to prevent a data theft?
  • Destroy documents and financial reports presenting your personal information before discard.
  • Keep your national card safe. Never put your national card in a wallet or any other portable carrier that is easy to steal or lose.
  • Do not write your national code on your checks. Your national code is only for official use; use your identity numbers other than the national code if possible like identity number, birth number and etc...
  • Do not give your personal information over the phone, through emails or likewise unless you know the other party.
  • Do not enter your financial information at a public place equipped with Wi-Fi.
  • Do not open unknown emails and type Internet addresses on a separate and new page.
  • When you share a file with others, check the setting and do not share your private files with the public.
  • Keep your personal information safe and out of reach.
  • Copies of national card, identity card, or other identity sources must be destroyed effectively before discard.
►When to suspect

You can prevent theft if you regularly check your financial statements and accounts.

Beware when

  • You notice unexpected statements on your debit cards or accounts.
  • You receive a telephone call or an invoice of unintended purchase.
  • You pay for the costs you did not make.
  • You notice wrong information, addresses, or unknown account.
  • You receive a text message or report of unknown deduction from your account.
  • You do not receive bank statements at your current address.
  • You receive a call saying you owe money in form of false checks, loans, or leasing you believe you are not responsible for.
  • You receive an unexpected amount, which shall be going to be later withdrawn from your account without your permission.
  • You owe money for the insurance you never applied for.
  • You receive a text message or an email about services from companies or institutions unknown to you.
  • You receive tickets under your name but for the car that is not owned by you.
  • You get busted for the crime you never committed.
  • You receive irrelevant tax alerts on your mobile phone.
►What should you do when you experience an identity theft?

You have to call 24-hour Saman Contact by just dialing 021-6422 and ask them to block your bankcard to prevent an identity theft and to protect your properties. Afterwards, you need to go in person to a branch and file it officially that you have been robbed.

If you are robbed:

  • Keep the copies of your documents and official papers as well as history of your calls safe.
  • Officially file for the theft as reports accelerate legal proceedings. Your report is held as evidence of the crime being taken place.
  • Come to the nearest branch and ask for a new card.
  • If there has been an unwanted withdrawal from your account before you block your card, take a bank statement indicating the theft and show it to the police.
  • If you do not receive your documents in your mailbox within three weeks, go to an identity registration office nearby with two pieces of picture and apply for a new identity card or a new national card. You will receive a new serial number for your identity card and national card as well.
►For Further Info
  • Contact Saman Bank’s Inspection Division at 021-23095401
  • Email us at CCO@sb24.com
  • Although action has been taken against counterfeit, signatures still can be imitated fraudulently. Take our security warnings seriously and learn how to keep your checkbooks safe.
  • If you believe you have been a victim of a fraud, ask your bank to block your delivered checks by a person other than yourself. Contact the branch and inform them of the fraud immediately. You have7 business days for providing your bank with a legal complaint or a judicial order.
  • If a person asks to withdraw or send an amount from your account via a check or a promissory note under your name, you have surely been a victim of a fraud. Registered persons or companies never take such an illegal action so trust your Saman Bank and if we call you from your branch to inform you that you have wined our prize, please come and visit us in person at a branch to receive your prize.
►For Further Info
  • Contact Saman Bank’s Inspection Division at 021-23095401
  • Email us at CCO@sb24.com
►Email or Telephone Call Frauds
  • Take precautions when you receive great suggestions through phone, emails, or websites.
  • Verify the source and make sure their suggestions are legal.
  • Do not respond to public emails, which require your personal information for winning a prize.
  • Take precautions with the emails offering “home Jobs” online. They mostly ask you to open an account or do a transaction.
►Phishing Fraud

Phishing is a fraud similar to phone call marketing frauds but via emails. Criminals email to millions of people in hope of catching their victims, probably not more than a handful number, who will accept their fraudulent offers and make transactions, which will reveal sensitive information like username, password, bankcard number. Criminals use the information for malicious reasons and commit an identity theft.

►To Prevent Phishing
  • Never give your personal or financial information over the phone, through faxes or as replies to public emails masqueraded as a trustworthy entity.
  • Never click on a link sent to you from an unknown source. Fraudulent emails are embellished with the logos of the most famous companies, active in private or public sector, to deceive their receivers into thinking that the email has been sent from legally registered companies. Often public emails direct you to a fraudulent webpage. You must inspect the Internet address and type the address on a new page and skip being linked to the website. Sometimes criminals use a warning against fraud on the very first page of their websites to ensure your full deception.
  • Do not take action if an email warns you against unpleasant outcomes awaiting you if you do not confirm your personal or financial information they require. You must verify the source by visiting their website or contacting them on the phone.
  • Monitor your bank and debit card statements carefully and regularly. If you notice an unknown and unauthorized transactions, regardless of the amount, take action since you will be a victim of greater frauds soon. Trivial, illegal transactions that are often neglected make a path for greater frauds as criminals obtain tracking numbers or account numbers for later deceptions.
  • When you enter your personal information online, use the key or lock icon at the bottom of your browser. It is helpful to know that security webpage addresses often (not always) start with “https”.
  • If you send your financial information to a suspicious email, contact our Inspection Division immediately. We will protect your account and personal information
  • Report suspicious cases to Iran Cyber Police.
►Malware Frauds

Malware is software designed to disrupt computer operation, gather information or have unauthorized access to computer systems. Malware is often used to define software or computer codes designed to misuse data on computers. Viruses, worms, Trojan horses and other disruptive programs are among malwares.

The following is a list of action you can take to prevent malware attacks:

  • Update security patches and antivirus signatures.
  • Only open emails from known senders.
  • Scan files with antivirus software before opening.
  • Do not open unwanted messages; just delete them.
  • Do not click on links sent by unknown sources.
  • Scan all the files of security solutions before transferring to your system.
  • Just transfer the file whose sources are trustworthy.
►For Further Info
  • Contact Saman Bank’s Inspection Division at 021-23095401
  • Email us at CCO@sb24.com

Organized criminals support hackers to remotely control the fiscal information of large and small companies. Hackers withdraw money from credit lines and accounts of individuals or companies and transfer it into their accounts aboard.

Hackers enter a company and make use of their confidential information mostly following the same steps:

  • Target victims
  • Install a malware
  • Observe online transactions
  • Gather and transfer data
  • Start transferring the amount
►Prevent Hacking
  • Use a single computer for financial transactions.
  • Install a firewall on your computer.
  • Learn how to correctly install and use antivirus software on your computers. Regularly and constantly update software.
  • Update your browser.
  • Confirm transactions, one by one, not as a group.
  • Check your transactions daily and your credits annually latest.
  • For security of your computer and your webpages, ask the IT counselor of the company at your service to help you with latest knowledge.
►For Further Info
  • Contact Saman Bank’s Inspection Division at 021-23095401
  • Email us at CCO@sb24.com

Social engineering attacks use human interactions (social skills) to gain or to keep information of organizations or computer systems. Criminals have sophisticated looks and introduce themselves as new employees, repairmen, or researchers and show you identification proofs, which shall be counterfeit. They ask questions directed to gain information like username, password, or IP necessary for entering a system of an organization.

►For Further Info
  • Contact Saman Bank’s Inspection ِDivision at 021-23095401
  • Email us at CCO@sb24.com
Banking Safety and Security Guidebook for the Elderly, Disadvantaged and Handicapped

Elder financial exploitation is expected to grow in the coming years. We, at Saman Bank, believe that financial security is a key to a long and healthy life. We are determined to help you improve your financial security. The following advice will help you identify fraudulent acts and take action when you fall a victim to a financial exploitation.

►New friends and acquaintances

Consider how you have made friends and he or she has become involved with your life? Consider what benefits your friendship can bring him or her? Find out about where he or she is from, and his or her job, family and friends. Disguised as friend, a criminal makes you trust him or her more as time passes. You may ask him or her to do your groceries shopping, or cash your checks and your never notice a mistake or misdeed but you have to know that you have revealed your financial information to this friend of yours who can easily take advantage of your financial resources. You may have been emotionally feeling attached to your friend who has been a great help to you recently but now has started making unreasonable demands in form of direct or indirect threats of leaving you. If you are physically in need, plan in advance, to reach for paid help from official sources and diminish the risk of being a victim of a fraud.
Avoid Friendship Made On Need and Attachment

►Family members

Their family members mostly do financial exploitations against the elderly, handicapped, or disadvantaged. Legally authorized to take action on your behalf, a family member can commit a fraud against you.

  • Never confide entirely in a single person and never make yourself susceptible by giving a single person the total right to control your financial resources.
  • You have to think ahead and plan in advance.
  • Employ a lawyer to take care of your financial resources. Seamless contracts can ensure security and safety of your financial life. Talk to a lawyer and take advice on how to set up a power of attorney. Do not forget to give us a copy of the power of attorney letter you draw up accordingly. Make sure Saman knows about the latest changes to your power of attorney.
  • Sign your checks yourself and do not give out blank checks.
  • Take precautions when signing. Read thoroughly any paper you want to sign and ask questions and for accurate answers. If you are not satisfied with the answers consult with your lawyer.
  • Ask more than one person to help you with your financial resources to make sure you know all the aspects of the matter. We are there to help you with your inquiries.
  • If you hire a care worker ask your lawyer to set up a written contract.
  • Ask your lawyer to have your financial instructions written and evaluated.
  • Tell your confidents that you have your instructions written and kept safe. Your lawyer can help your more effectively with this part.
►Contractors, Businessmen, Owners and Etc.

The elderly sometimes pay more for goods and services, which may never be provided. It is not unusual that a contractor asks for more money than the amount agreed upon before the work began, or an owner illegally increases the rent amount. Sometimes you cancel an order but companies insist on selling you their products by delivering their goods at your home without your consent.

  • Beware and learn how frauds are committed in real life or online.
  • Read agreement forms carefully.
  • Cancel services you never asked for.
  • Ask for legal work permission from contractors you want to hire.
  • Never pay the total amount before the completion of work.
  • In case of any change to services you receive or the rent you pay, ask for a written record. Written and official papers protect you against frauds, as criminals do not want to leave a sign or witness to make them troubles.
  • Ask your communication company to take your name and telephone numbers off the list of the numbers advertising and marketing companies can reach. Never trust phone or online marketing as they just bombard you with unneeded information to talk you into buying their product or service.
►What Can You Do When You Suspect an Elder, Disadvantaged, or handicapped Financial Exploitation?

The elderly feels embarrassed or betrayed when they find out they have been a victim of a fraud; more seriously when the perpetrator is a family member. Fear and shame have been known as the two main factors of inhibition among such victims from reporting the crime. Legal matters know no family so you have to be wise and ask for legal protection and support when:

  • You are in physical danger. Call 110.
  • You have noticed your attorney has taken illegal action against your financial resources. Call your bank and visit your banker in person as soon as possible. You can gather information immediately to accelerate legal proceedings. You are highly recommended:
  • To collect information by obtaining your official documents and papers showing who has legal access to your financial resources. Determine precisely how their legal access has been defined in the letter of attorney.
  • To report your regular income and costs, which help investigators to notice suspicious interactions immediately.
  • To compare your bank records and financial statements and seek unusual deductions.
►For Further Info
  • Contact Saman Bank’s Inspection Division at 021-23095401
  • Email us at CCO@sb24.com