22 “Culture Shocks” Encountered By This American Woman Who Moved To Australia

@L McPhillips here no one can do anything with just your account number... We have specific numbers to give out (i.e employers). The only thing people can do with that info is literally transfer money to you. They can´t see anything from your account or do anything with it.

Someone transfered me 10$ after I sold them a Spiralizer. All they needed was my email. No other info. U.S. can't do such a simple thing?

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Yep, too many dishonest people, at least in this country (the US).

You don't have to give out personal info to do an etransfer. Don't even need to tell them your bank. A person uses their own banking app to send an etransfer from their account to an email address (or phone number). Some people are set up for auto deposit into their bank account or some use a question/password. The other person then gets a notification via email or text. They click on the link and use their own banking account to accept it (unless it was auto deposited). We use it between friends/family, if buying something 2nd hand from someone, many businesses are now also accepting etransfers for goods/services. It's quite convenient and safe

@Katrina it honestly does seem medieval from our pov. You can´t do identity theft that easily anywhere in Europe (and I think neither in most countries). Our account number is safe to freely give away and no one can do sh*t with it unless they want to transfer money into your account. Also, we have a system that allows us to make "virtual credit cards" on a whim with the amount of money we want to pay and they´re connected to our debit account. So if I think a site might be fishy I do one with like 20€ max and if that site tries to rob me they can only get 20€ and nothing more... These virtual cards can be made out to be used only once and then lose all validity or you can choose how long you want them to be valid. It´s a free service and you can do it at your house at any time, any day...

When I use Marketplace I'm paid with bank transfer. They get my email or my cell number, no other info.

It's exactly the opposite. I use MBWay to transfer money to other people and literally all they receive is a message saying "X person sent you X€" exactly 2 seconds after I press send, and the money enters their account. Like the previous comment said, MbWay/MbNet also allows to create virtual credit cards; I don't even have a credit card because all I need is to create one, valid only for X amount and one purchase (or for one commerciant - like a credit card that always pays monthly for my Netflix but if someone stole the info, they couldn't use it for anything else). Regular credit cards like in the US seem way more rapant for identity theft, you guys literally give the card to a waiter, everyone sees the info, then you sign the receipt, like, what? If you send a bank transfer, they receive your IBAN (and Swift, if international transfer), which is completely useless for identity theft because all they could use it for is to send money back to you.

Like Paypal, Venmo and other apps.

@Soraya Imperial You definetly explained it better than me. That´s basically everything I was trying to point out. Also, I just recently learned they dont have the PIN thing on their debit/credit cards... like wtf? Anyone can just swipe your debit/credit and they can pay wtv they want with it at any place? Like... how??

It’s technically a third party but you can access it through your bank’s app. Or at least some banks.