Conventionally, with the help of SNILS, you can get access to information about an individual's pension. Now, most citizens' pensions consist of two parts - insurance and savings. No one can steal an insurance pension, since it is protected by the state. But the savings part is handled by non-state pension funds (NPF). Fraudsters usually encroach on this part of the pension.
Until 2019, a fraudulent scheme was widespread that allowed the funded portion of the pension to be transferred to an NPF in which the fraudster had his own commercial interest. In some cases, the victim simply chose a less profitable NPF and lost part of the accumulated funds. There were also cases when the fraudster stole the entire funded portion of the pension. Now this is impossible to do, since the savings are frozen until 2025. In addition, due to a number of legislative innovations, this scheme has become unpopular and is practically not used.
However, fraudsters still use various schemes that can harm germany mobile database the financial situation of the victim. We will tell you what the attacker can do if he only has the number of an individual personal account, as well as in a situation where he also has passport data.
What can fraudsters do knowing only the SNILS number
If you use your personal account number to log into your account on Gosuslugi, an attacker can hack it. There, they will be able to find out the amount of pension contributions and roughly calculate your income. They can use this information in illegal actions to trick you into giving up your passport details or forcing you to give the code from the SMS.
Knowing your SNILS number in itself is not too dangerous if you follow security principles: do not share your personal data, payment details, or secret bank codes with anyone.
To protect yourself from having your account hacked on Gosuslugi, use two-factor authentication. It does not allow you to log in to the platform using only your login and password: you also need to enter the verification code from the SMS. If your account is protected by two-factor authentication, it cannot be hacked without access to your SIM card.
What can fraudsters do knowing SNILS and passport data
It is much more dangerous if fraudsters get your passport data along with your individual personal account number. With this information, they can:
open bank accounts in your name;
apply for microloans;
create electronic wallets and conduct dubious transactions in your name.
It is especially dangerous if the attacker obtains your personal account number, passport details and your phone number. Using a fake power of attorney, he will be able to reissue the SIM card and take out a large loan during the time that you are without communication.