any good banks with easy acc opening and deletion?
for example if i gave someone my Bsb+acc numbers and want to cut it off afterward to prevent debiting fraud &fees etc
Disposable or Temporary Bank Accs?
capslock janitor on 04/02/2025 - 11:43
Last edited 04/02/2025 - 11:44
Last edited 04/02/2025 - 11:44
Comments
OP doesn't want to share PayID info, either.
Perhaps OP want to run a scam operation, looking for account that can't trace back :P
Burner number?
a payIDemail should be better than phone number too '?
Temporary Bank Accs?
Are you asking for a "friend" who is definitely not going to use this for criminal purposes?
Use cash
afterward to prevent debiting fraud &fees etc
How ? any examples?
i waiting for next topic : Disposable or Temporary Wife?
Disposable or Temporary husband. How often do you need to parallel park anyway?
Tempwife
I have an old account I use for things like Cashrewards payments etc. There are no fees and it has almost no money in it generally. Anyone tried to drain it would get, maybe, $30? If I’m concerned about giving out an account number I give out that one. It is an old NAB account that is a left over from when the grandfathered out the product line.
There is no way to take money out by having a BSB/Acc No number other than they can get to see your full name. Otherwise, businesses wouldn't give away the BSB/Acc No of their trust/business account to transfer money which is usually publicly available and has more money than you could ever imagine.
I’m probably just a tad paranoid but it makes me feel better.
That's not correct. Direct debits can be set up just with a BSB and account number, and scammers have already done this. Even if I wanted to trick someone, I know of services where you just enter a BSB, account number, and fill out a form. There's even a small box to tick saying, "I authorize $39.99 to be taken every month." I could put anyone's details in there, and they wouldn't verify it.
As you can see on the NAB page, the only way to avoid having direct debits automatically set up is to talk to the bank and set up an inward account
EDIT: Even NAB has issued a warning. https://www.nab.com.au/about-us/security/online-safety-tips-…
"I authorize $39.99 to be taken every month." I could put anyone's details in there, and they wouldn't verify it.
Scammers aren't that dumb unless they are amateurs, they usually empty the entire bank account with your authentication, not ,$39.99 at a time.
@boomramada: You're wrong. You call them stupid, but some of these small scams made between 10 to 50 million dollars. You can look it up because these small amounts can go unnoticed. What scammers do is try to get as many people as possible to sign up for things like subscriptions or services, then they set charge dates on busy days like holidays or weekends, hoping people won't notice small amounts missing from their accounts. If they don't notice, it's free money for the scammer. These scammers are smart because they need fake businesses to make it work.
Here’s one example that went undetected for years (you can google it).
Cybersecurity researchers have uncovered a massive, multimillion-dollar credit card scheme that has flown under the radar since 2019. The scam involves charging illegally obtained credit cards a fairly small amount of money each month that appears as a charge from a generic-sounding service. If you aren’t paying close attention to your bank statements, you might miss them, and those monthly charges could add up to thousands of dollars over a few years.@modbutcher: Here are some stats https://www.scamwatch.gov.au/research-and-resources/scam-sta…
The majority of them are via Investment/Romance/phishing. This can happen either you transfer the money or they have access to your account. Either way, the chance of getting your money is closer to ZERO.Under the BECS guidelines direct debits made without proper authority from you are usually covered by the Initiating Bank. For further advice please speak to your banker.
https://www.nab.com.au/about-us/security/online-safety-tips-…If someone uses your account number to sign into a subscription, it is easy to track plus, the bank is responsible, as the bank failed to authorise or due to identity fraud or fraudulent signature which bank is liable to revoke the transaction.
Having said that, why does OP need to give an A/c Number to every d!ck and Harry can use payId/cash/paypal instead?
PLUS
Cybersecurity researchers have uncovered a massive, multimillion-dollar credit card scheme that has flown under the radar since 2019. The scam involves charging illegally obtained credit cards a fairly small amount of money each month that appears as a charge from a generic-sounding service. If you aren’t paying close attention to your bank statements, you might miss them, and those monthly charges could add up to thousands of dollars over a few years.
Wrong topic, that is CC, not Bank A/C, and next time don't forge to give reference. https://www.standard.net/lifestyle/home_and_family/2022/sep/…
And yes, you should always check your bank statements.
@boomramada: Account numbers and BSB can be used to drain funds, and that’s just the way it is. I couldn't care less what scammers do with the money they often use it to push their main scams. Even if they’re doing direct debit scams to BUY SERVICES, it doesn’t mean they get the cash from DD. It just helps them spread their crypto scams. It's like how scammers use stolen credit or debit card details to run Facebook ads, not to pinch your money, but to buy traffic for their crypto scams. They can do the same with direct debits just BUY TRAFFIC. They probably couldn’t care less about turning the direct debits directly to cash; they just want to promote their scams and get untraceable money (CRYPTO). Even if accounts are shut down and victims are refunded, the main scam still keeps running.
I agree it’s easier to get your money back from a direct debit scam than from some other scams that involve money mules etc ….
"There is no way to take money out by having a BSB/Acc"
Ha! Your faith is our banks system is misplaced. Jeremy Clarkson made a similar pronouncement.
The outspoken star printed his bank details in a newspaper to try and make the point that his money would be safe and that the spectre of identity theft was a sham.
However, in a rare moment of humility Clarkson has now revealed the stunt backfired and his details were used to set up a £500 direct debit payable from his account to the British Diabetic Association.That was long ago and far away, but nothing has changed.
Direct debits in the UK go through a lot more verification than direct debits in Australia
btw some accs have may fees like overdraw or payment failure
You can get temporary/disposable Visa/Mastercard numbers from several online only banks.
I use Revolut for my everyday transaction account, it looks like you can have up to 20 virtual card numbers, I presume for the situation OP wants (easy cancellation/stoppage of recurring transactions).
https://help.revolut.com/en-AU/help/cards/card-order/can-i-h…
just use a savings account if you don't want people to debit from it
very easy to open and close myboq accounts on their app
Suncorp bank seems be easy too
Mate, you’ve got to be kidding with this burner bank account idea. The more you want to create these accounts, the more you’ll look like a scammer. Don't even bother, fraud detection systems will end up locking all your accounts and even the ones which connect to so called burner accounts.
You can open an account online with many banks with just a medicare number for identification. It seems that the 100 point thing is optional.
such as?
Why not try it yourself?
No bank allows you to open an account using only Medicare. He clearly doesn't know what he's talking about. A picture ID is always required, and Medicare also needs additional documents like a birth certificate.
Must be nice to be so sure of something that you yourself have no idea about, modbutcher. Try going to the web sites for NAB, CBA, Ubank, or Macquarie (for a start) and opening an account yourself.
He clearly doesn't know what he's talking about
A picture ID is always required, and Medicare also needs additional documents like a birth certificateUntrue. Try it yourself. I did, in August last year.
All of the above banks require just one form of identification, and just a medicare card is acceptable to all of them. It doesn't even need to be your own medicare card.
A worrisome point is that the owner of the medicare card number will get the tax bill for any interest earned, even if the person who opened the account has a different name and address. I'll leave you to guess how I know that.
@pjetson: I did ubank and macquarie (at the start of 2024) and they both wanted something else after medicare.
I've never provided ID for my CBA account since it was opened in 1993. I have showed ID to staff at branch, but they have never tried to enter the numbers into their computer or make a copy etc
@surfingedge: I just checked CBA to make sure they hadn't changed since last August. Here's what their web site says:
To apply for a Smart Access account you must:
- Be at least 14 years old (or at least 18 if you’re applying for a joint account)
- Have an Australian residential address
- Have at least one form of valid ID such as an Australian driver's licence, Medicare card, passport or birth certificate on hand
Note the last point - CBA need only one form of ID, and it can be a medicare number.
I also checked out NAB and UBank, and it appears they they have changed their requirements since I checked last August. Maybe the incident that caused me to look into this, and the complaint lodged over it, made them change their requirements? I don't know. I was as surprised as much as anyone else that it was possible.
I didn't bother checking Macquarie or any other bank tonight. I think even one bank still doing it proves my point.
@pjetson: HAHAHAH I have no idea? Please. I’ve helped build the next-gen digital ID infrastructure. I know exactly what's coming, and you’ve got no clue.
Look up MyID, Connect ID, and Trust Exchange, then come back with your info.
Mate, you're wrong. Banks now require stricter ID checks to open an account because of scams. Since end of 2024, most banks ask for a photo ID and some even use selfies for verification. You can't open an account with just a Medicare card anymore, even though that worked before. Maybe the website hasn’t been updated, but Medicare will now always require an additional ID check.
- This year 2025, ALL banks will switch to digital ids such as MyID, Connect ID and TrustExchange, or stricter selfie checks, so typing in passport / driver license numbers alone won’t work.
If you wanna do illegal shit and not get traced, use cash. Simple.
Or Tornado Cash ….the US government failed to sanction it because scammers kept using it anyway, lol.
…….
It is impossible to stop a smart contract like Tornado Cash without shutting down the entire Ethereum blockchain, which would be nearly impossible. The software continues to be used, though not nearly as widely as it once was.
No.
Just use payid if you don't want to share bsb and account number