In my previous posts I've been writing about
How to Hack a Credit Card and
How To Cash Out From Stolen Credit Cards. Here I decided to write a guide about bank transfer methods, and hopefully it will be able to help you.
Okay so lets get started,
The
first thing you are going to need is banking credentials of some sort.
The information you need will be different for each bank and depend on
how your doing the transfers if by phone or online so research is the
key here!
If you are doing the transfers online take a look at
the banks login pages to determine exactly whats needed to login, you
might also need additional information like a password or code to make a
transfer so it's a good idea to set up a bank account with internet
banking on the bank your targeting, this way you will be able to see all
that is needed and not just what you need to log into the actual
website.
The usual information needed to log into online banking is usually like; (remember different banks = different info)
- Username/account number
- Password
- Letters/Numbers of a security code
- Answers to secret question
- Date of birth (sometimes)
For
transfers it's much better to talk and bank using the telephone, this
is far more successful than online transfers because it doesn't attract
so much suspicion when a few thousand is being sent somewhere and banks
will process the transfer there and then meaning that if your phone call
to them is successful there is a 95% chance your transfer will be too.
You
need different information to do this type of transfer and like before
it's different with each bank, also like before it's a good idea to set
up a bank account with the bank and make a transfer by phone, this way
you will know what to expect when you go to make a fraudulent transfer
by phone.
Here is a rough guide of what you might need;
- Account number
- Sort Code
- Address Details
- Date of Birth
- Mother maiden name
- Answer to secret questions
All
the information you need for any type of transfer can be bought online
for a relatively small amount of money, the details for online transfers
will usually cost you between 3-15% of the account balance. Information
to make phone transfers will normally cost between $15 upto $50 and
this depends on how much information is given to you about your mark.
Alternatively
you can collect and gather this information yourself by the many ways
available such as botnets, phishing, data mining etc...
After you
have got the information you need you will need to find or set up a
bank account which the stolen money can be transferred into (bank drop),
for obvious reasons this must not be an account in your real name! The
most common method of getting an account for this is to find people
willing to offer they're account for a percentage of the money, normally
30-60% of the transferred amount. Another way of getting bank drop
accounts is to set them up yourself using fake ID and counterfeit
documents, there is a little extra work and investment needed for doing
this but the returns financially are well worth it.
Now you have
information and a bank drop account you are ready to make the transfer,
here is some information and steps on how to go about making both phone
and online transfers.
Telephone banking
In
theory this method is pretty self explanatory because all you really
need to do is make a call to the telephone banking line of your target
bank and answer any questions they ask as if you were the person whose
details you have but like any type of transfer true success will depend
on how well you plan and carry off the operation so you must talk in a
calm, cool and collective way.
Acting or at the very least voice
impersonation will play a major role in transfers made by phone because
NO bank is going to accept a transfer from someone on the phone who has
the relatively squeaky voice of a teenager or young adult when the
original account holder is supposed to be 60 years old so you must take
the time to perfect your voice to sound like the account holder might.
Sometimes the dialect of a voice can also make a bank worker weary of a
transfer because if the account holder lives in Australia and you were
born in India he or she might be able to spot this in your fake voice so
you must must must! get the dialect,tone and language of your targets
country correct or you will fail, simple!
When you have your
voice you are ready to make the call, it's a good idea to use call
spoofing and forwarding to have your targets telephone number registered
with the bank appear on caller ID because some banks may check this or
use it as further verification, there is sometimes also some sort of
voice changing functionality with some of those call services which is a
good feature to add to the fake voice your making vocally or if you
have female info and you want to sound like so.
It's not usually
necessary to use spoofing so if your making a call just make sure you
are doing so from an unregistered pre-paid cell phone or pay phone and
not the personal land line number in your house.
Online transfers
Again
like before it's pretty easy to do but there is a lot of different
aspects that can effect the success you have with this method of
transfer. All banks have different procedures and levels of tolerance
regarding online transfers, most of your work at the start will involve
research, trial and error and perseverance to figure out the best ways
in doing it and how to maximize your profits from it.
Okay so you
have your information and a drop account, now you need to make the
actual transfer! When you are doing anything illegal electronically via a
computer you MUST secure your identity or so called virtual fingerprint
paper trail your system and modem leaves behind, you can do this by
using socks, virtual private networks, hacked wireless connection or any
other form of legitimate anonymizing techniques and principals to
protect your IP address and ultimately your identity and location. A
good rule of thumb is to display an IP address located within a local
proximity to that of your marks location or geographic area so an IP
from the same city or state is ideal.
after this step you can successfully and safely login to online banking!
Now
we have to think about what we are doing... as mentioned before the
banks generally set an amount of money which is deemed acceptable and
safe to transfer online, the history of the account holders' transfers
will also come into play so it's your job to determine the highest
amount a bank will accept in an online transaction without arousing
suspicion, this can be done by looking at the payment history of an
account and using your research inline with what you discovered as the
banks acceptable amount in comparison to the balance and history ratio.
It is no good trying to transfer $8k from an account with a $10k balance
when the real account holder has never made a transfer bigger than $3k
before.
So after you have a figure you think or know is safe to
transfer you can attempt to make the transfer, please take a look below
for more information regarding transfers in general.
General notes and tips about making any type of transfer
The
best time to make a transfer is during big seasonal/regional/public
holidays like Christmas or Summer, people spend a lot of money at these
times so the chances of a successful transfer increases and suspicion
falls, please remember it's not the same for small holidays or seasonal
events like at the beginning of a new year because people tend to hold
back on spending at those times because they spent so much at Christmas
etc...
Transferring money into a bank drop account from the same
bank will usually happen instantly so you can cashout the money on the
same day the transfer was made, sometimes this can be seen as suspicious
though. If you are transferring money into a different bank it will
take between 1-4 days for the money to appear in the drop.
Don't
transfer money at the weekend because people usually use they're cards a
lot more on weekends when they are off work and out shopping so they
will find out money has been taken from their accounts faster, best
day(s) to make a transfer is Sunday,Monday or Tuesday.
If
available select the option to take the money from the account on the
day it will actually be transferred (1-4 days) there is usually a box to
tick online for you to do this or you can tell the bank worker via the
telephone that this is what you want.
If you have a big balance
account like $250k it doesn't mean you can automatically transfer $75k
out of that account because it's a small amount in comparison to the
balance, a good rule is to take between 3-7% of the big balances but
also remember the history of the payments is also very important, try to
transfer what the banks sees normally from the account holder.
Make
small transfers to your drop account that the account holder might not
see or report, if you make a big transfer 2-3 weeks later there is a
good chance of success because the bank will see money has previously
been sent to the same account and no problems were reported.
Online only;
Take
a look at the last log in date for the account or ask your vendor to do
this if they checked the account after getting it because if the person
doesn't log into or use online banking often there is a chance the
success of a big transfer will fall and you will then be able to adjust
your transfer accordingly, you will also know that person probably isn't
going to see a bank statement until the end of the month.
"The secret of Happiness is Freedom, and the secret of Freedom, is Courage."
Thucydides (born ca. 460-455 B.C.)
I have previously posted about 
Most
anti-virus scanners rely on a database of signatures for known viruses.
Once a new virus is spread wide enough that it has been identified as
malicious, the anti-virus vendors scramble to come up with a fingerprint
to identify that strain of malware in the future. The obvious flaw in
this process is that a new piece of malware will bypass the scanners by
default, until it is widespread enough to be noticed by security
researchers or picked up by a dummy node.
Phishing is a method of stealing login info (usernames and passwords) by
directing the victim to a clone (fake) login page, that logs the login
info without the knowledge of the victim. Such clone website is known as
a phisher. eBay, PayPal and other online banks are common targets.
Phishing is an example of social engineering techniques used to fool
users. Attempts to deal with the growing number of reported phishing
incidents include legislation, user training, public awareness, and
technical measures.
Usually
I download softwares from Rapidshare and sometimes from MegaUpload. But
unfortunately most of these file sharing sites have a premium area and
the services from the free area are not good and investing for the
premium account for these sites are not really possible for us. So, I am
posting this article on rapishare premium hacking to inform you ways to
hack Rapidshare premium account.
Very simple. Now you have your victim's Rapidshare id and password hacked.
