PT Bank Negara Indonesia (Persero) Tbk, or BNI, urges customers using its BNIdirect cash and BNIdirect business services to increase their vigilance against various fraudulent schemes impersonating the company. These schemes include requests for account access data, token codes, and even invitations to install certain applications under the guise of verification or technical assistance.
BNI Corporate Secretary Okki Rushartomo said, BNI never asks customers to provide confidential data, such as company user ID, user ID, company name, password, email address, Hard Token or Soft Token code, OTP code, or other sensitive information via telephone, SMS, email, social media, or other unofficial channels.
"Beware, requests for account data, passwords, email addresses, hard/soft token codes, OTP codes, or other information via telephone, SMS, email, or social media are fraudulent," Okki said in a written statement in Jakarta.
Okki emphasizes that the Hard Token and Soft Token codes are only used to authorize transactions on the official BNIdirect cash and BNIdirect business websites. Therefore, there is no customer identity verification process that requires the token code to be disclosed to any third party.
According to him, criminals often use the pretext of account verification to obtain important data from customers. After obtaining this data, perpetrators have the potential to take over accounts or process unauthorized transactions on behalf of customers.
"Firmly refuse or immediately end the conversation if someone asks for your Company ID, User ID, or company name for verification purposes. Keep in mind that providing this information can easily compromise BNIdirect Cash and BNIdirect Business accounts," Okki said.
In addition to data requests, BNI also asks customers not to follow instructions to install certain applications on their computers or laptops, claiming they need technical assistance. Okki explained that these applications could be remote desktop software that allows perpetrators to remotely access customer devices.
Perpetrators also frequently apply psychological pressure to customers by telling them that their BNIdirect cash or BNIdirect business accounts will be blocked soon. BNI emphasized that the company does not block accounts via phone calls.
Okki urges customers to remain calm if they receive suspicious messages or calls. Customers are also advised to immediately confirm their information through official BNI channels to avoid the risk of data misuse and unauthorized transactions.
"Contact BNI Call 1500046 or the Service Action Team at 021-29946046 or via WhatsApp at 0858 5000 1946 and verify your BNIdirect cash or BNIdirect business account with the officer who will assist you," Okki said.
BNI emphasizes that digital service security is a shared responsibility between the bank and its customers. Therefore, customers are expected to maintain the confidentiality of personal data and banking service access data, and to only use official BNI channels to obtain information and assistance regarding BNIdirect services.