Yes I would have thought they would face having to use a pin for each of the transactions or at some point. Not sure if they looked at me entering my phone pin and other pins. I had top up as an option in Revolut and N26 from my credit card. I just do not trust google pay or banking apps now after this, I don't want to be faced with this again down the line.Did your phone have any basic entry security ? Or did they shoulder surf you for access ? I know it's a bit late but I only lkeep under €100 in the main accounts of rev and n26 and keep backup in voult/spaces.
I don't know exactly how they got access. Google pay and perhaps forget password and code sent to email for one of the banking apps perhaps. I don't know if the phone was in locked state or unlocked when they took it. Perhaps they were quite sophisticated in what they could accomplish with getting past protections, I don't know.I'm confused. They got entry into your apps having got entry into your phone ? Was your phone locked in the first place ? I don't use Google pay but do they not require you to put in a pin at opening ?
will remove banking apps from my phone and only use physical cards as it seems like it is far too risky having them on the phone.
Yes have gone through the relevant channel for a chargeback and explained what happened. I even chatted to someone at Revolut for an hour and a half the day after. Also had to take selfies etc for them. But they have proved to be quite unsatisfactory in their response.Have you reported this to Revolut via form from at revolut.com/en-IE/about-fraud-and-scam/? Ask Revolut to start a chargeback process explaining your situation (help.revolut.com/help/card-payments-withdrawals/refunds/how-can-i-submit-chargeback/).
OK. So the thief got access to Google pay and was able to change the card it used from boi to revelut and then n26 as the money ran out of each. Seems convenient to be able to do this but as we see here it's riskier.
Looks like a compromised PIN.
persist with looking for refund.
Looks like a compromised PIN.
Top-up from credit card has big advantages but downsides as well.
@dubliner8 - persist with looking for refund. Write emails and even post letters.
The thief must have known or guessed your PIN somehow.What do you mean by a compromised pin?
How do you make that out? So if someone steals it's ok if the thief saw a person enter their pin or were able to guess it?If the PIN was compromised, and I don't know if it was or not, they should not be getting a refund.
Brendan
This is possible at the particular time the person swiped the phone away. The phone unlocking if it detected it on me. But not unlocking many times when I'd want it to. Not sure how that's supposed to work properly and the unreliable nature of that technology means a gap that pickpockets could potentially exploit. So I will narrow down my vulnerabilities as much as I can by not having stocks and shares or banking apps on the phone.It doesn't sound as if this happened in your case though, so it's not particularly relevant.
But maybe you had no lock on your phone?
Brendan
The unreliable nature of human beings leaves an insurmountable gap for themthe unreliable nature of that technology means a gap that pickpockets could potentially exploit
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