How to recognize phishing emails like a fake MojeBanka email

What is MojeBanka email scam?

It is an email disguised as a letter from Komerční banka, one of the largest banks in the Czech Republic. It contains a link to a phishing website designed to look like the official Komerční banka page. Scammers behind this email attempt to trick recipients into providing banking-related sensitive information.

MojeBanka phishing email in detail

The purpose of this email is to trick recipients into believing that they need to update and verify their Komerční banka online banking account information. It encourages to click the provided link and follow the instructions to complete the verification process. It also claims that it has to be done within 24 hours. Otherwise, recipients will not be able to use banking services.

It seems like scammers use this email to trick Komerční banka's customers into providing login credentials (details used to log into Komerční banka online banking page). Either way, this email must be ignored.

Threat Summary:

Name	MojeBanka Email Scam
Threat Type	Phishing, Scam, Social Engineering, Fraud
Fake Claim	It is required to update and verify Komerční banka accounts
Disguise	Letter from Komerční banka (a legitimate bank)
Symptoms	Unauthorized online purchases, changed online account passwords, identity theft, illegal access of the computer.
Distribution methods	Deceptive emails, rogue online pop-up ads, search engine poisoning techniques, misspelled domains.
Damage	Loss of sensitive private information, monetary loss, identity theft.
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Phishing emails in general

Usually, scammers use phishing emails to extract login credentials (for example, usernames, passwords), credit card details, social security numbers, or other sensitive information that could be misused to steal accounts, identities, make fraudulent transactions, purchases, and so on.

More examples of emails similar to this one are "Česká Pošta Email Scam", "Postbank Email Scam", "Volksbank Email Scam". Emails can be used for other malicious purposes, for example, to deliver malicious software.

How do spam campaigns infect computers?

Emails containing malicious links or attachments usually are disguised as letters from legitimate entities. Recipients infect computers by opening downloaded malicious files. Most threat actors use MS Office, PDF documents, JavaScript files, archive files like RAR, ZIP, disc image files, executable files to trick users into infecting computers with malware.

How to avoid installation of malware?

Do not open attachments and links in emails that are not relevant and received from unknown addresses. Even when such emails seem like letters from legitimate companies. Do not use unreliable sources for downloading files and programs. Use official websites, direct links.

Update and activate installed programs with tools provided by their official developers. It is never safe (or even legal) to use third-party tools for that.

If you've already opened malicious attachments, we recommend running a scan with Combo Cleaner Antivirus for Windows to automatically eliminate infiltrated malware.

Text presented in the MojeBanka email scam:

Subject: Komerční banka

Zákaznický servis MojeBanka

Vážený zákazníku  ( - ),

Jeliko2 se nás nejnovejsi systém méni, je treba aktualizovat a ovérit informace o vaSem úètu.
Prejdète na:  -

Podle pokynù dokoncete proces ovéreni.

Dokoncete tento krok bèhem pristich 24 hodin, jinak nebudete moci nase slu2by vyuzivat.

© 2021 Komerční banka - Société Générale Group

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Quick menu:

• What is MojeBanka spam?
• Types of malicious emails.
• How to spot a malicious email?
• What to do if you fell for an email scam?

Types of malicious emails:

Phishing Emails

Most commonly, cybercriminals use deceptive emails to trick Internet users into giving away their sensitive private information, for example, login information for various online services, email accounts, or online banking information.

Such attacks are called phishing. In a phishing attack, cybercriminals usually send an email message with some popular service logo (for example, Microsoft, DHL, Amazon, Netflix), create urgency (wrong shipping address, expired password, etc.), and place a link which they hope their potential victims will click on.

After clicking the link presented in such email message, victims are redirected to a fake website that looks identical or extremely similar to the original one. Victims are then asked to enter their password, credit card details, or some other information that gets stolen by cybercriminals.

Emails with Malicious Attachments

Another popular attack vector is email spam with malicious attachments that infect users' computers with malware. Malicious attachments usually carry trojans that are capable of stealing passwords, banking information, and other sensitive information.

In such attacks, cybercriminals' main goal is to trick their potential victims into opening an infected email attachment. To achieve this goal, email messages usually talk about recently received invoices, faxes, or voice messages.

If a potential victim falls for the lure and opens the attachment, their computers get infected, and cybercriminals can collect a lot of sensitive information.

While it's a more complicated method to steal personal information (spam filters and antivirus programs usually detect such attempts), if successful, cybercriminals can get a much wider array of data and can collect information for a long period of time.

Sextortion Emails

This is a type of phishing. In this case, users receive an email claiming that a cybercriminal could access the webcam of the potential victim and has a video recording of one's masturbation.

To get rid of the video, victims are asked to pay a ransom (usually using Bitcoin or another cryptocurrency). Nevertheless, all of these claims are false - users who receive such emails should ignore and delete them.

How to spot a malicious email?

While cyber criminals try to make their lure emails look trustworthy, here are some things that you should look for when trying to spot a phishing email:

• Check the sender's ("from") email address: Hover your mouse over the "from" address and check if it's legitimate. For example, if you received an email from Microsoft, be sure to check if the email address is @microsoft.com and not something suspicious like @m1crosoft.com, @microsfot.com, @account-security-noreply.com, etc.
• Check for generic greetings: If the greeting in the email is "Dear user", "Dear @youremail.com", "Dear valued customer", this should raise suspiciousness. Most commonly, companies call you by your name. Lack of this information could signal a phishing attempt.
• Check the links in the email: Hover your mouse over the link presented in the email, if the link that appears seems suspicious, don't click it. For example, if you received an email from Microsoft and the link in the email shows that it will go to firebasestorage.googleapis.com/v0... you shouldn't trust it. It's best not to click any links in the emails but to visit the company website that sent you the email in the first place.
• Don't blindly trust email attachments: Most commonly, legitimate companies will ask you to log in to their website and to view any documents there; if you received an email with an attachment, it's a good idea to scan it with an antivirus application. Infected email attachments are a common attack vector used by cybercriminals.

To minimise the risk of opening phishing and malicious emails we recommend using Combo Cleaner Antivirus for Windows. 

Example of a spam email:

What to do if you fell for an email scam?

• If you clicked on a link in a phishing email and entered your password - be sure to change your password as soon as possible. Usually, cybercriminals collect stolen credentials and then sell them to other groups that use them for malicious purposes. If you change your password in a timely manner, there's a chance that criminals won't have enough time to do any damage.
• If you entered your credit card information - contact your bank as soon as possible and explain the situation. There's a good chance that you will need to cancel your compromised credit card and get a new one.
• If you see any signs of identity theft - you should immediately contact the Federal Trade Commission. This institution will collect information about your situation and create a personal recovery plan.
• If you opened a malicious attachment - your computer is probably infected, you should scan it with a reputable antivirus application. For this purpose, we recommend using Combo Cleaner Antivirus for Windows.
• Help other Internet users - report phishing emails to Anti-Phishing Working Group, FBI’s Internet Crime Complaint Center, National Fraud Information Center and U.S. Department of Justice.

Frequently Asked Questions (FAQ)

Why did I receive this email?

In most cases, scammers use email addresses retrieved from leaked databases to spread their scams. Phishing emails and other emails scams are not personal.

I have provided my personal information when tricked by this email, what should I do?

If you have provided account credentials and other information that is necessary to access online banking account, change all passwords immediately and contact the Komerční banka.

If an email contained a malicious link or attachment and I have opened it, is my computer infected?

Malicious MS Office documents do not infect computers unless users enable macros (editing or content) in them. Executable files (and other files) can infect computers once they get opened. It depends on the type of the opened malicious file.

Will Combo Cleaner remove malware infections that were present in email attachment?

Yes, Combo Cleaner detects and eliminates almost all known malicious software. If a computer is infected with high-end malware, it should be scanned using a full scan feature. Malware can be capable of hiding deep in the operating system.

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