Oschadbank became a partner of the payment security campaign #ShakhrayGoodbye

On May 13, 2025, the National Bank of Ukraine, together with the Cyber Police Department of the National Police of Ukraine and the State Service for Special Communications and Information Protection of Ukraine, launched the next wave of the All-Ukrainian payment security information campaign #ShakhrayGoodbye.

Its goal is to raise awareness among citizens and remind them of the basic safety rules for non-cash payments, especially online.

Since the beginning of the full-scale invasion, there has been an increase in cyber fraud and cybercrime. The amount of losses from illegal actions and fraudulent transactions using payment cards is growing. Thus, in 2024, compared to 2023, this figure increased by more than a third (37%) to a total amount of UAH 1.1 billion.

Social engineering traditionally remains the most common cause of payment card fraud in Ukraine, as well as globally. Customers disclose their personal data, payment card details, login and password for mobile and Internet banking, and confirmation codes and passwords for payment transactions or for logging into a payment application.

Therefore, raising the level of knowledge and skills of citizens in the field of safe use of payment cards and Internet banking will allow them to use cashless payments more cautiously and protect themselves from fraudulent schemes and traps in the virtual space.

“Financial payment institutions are constantly strengthening security measures to protect customers' funds, so fraudsters are increasingly focusing on social engineering and are increasingly luring sensitive data from users. This is evidenced by data obtained from payment service providers: 84% of all losses were caused by social engineering. Such incidents could have been avoided if Ukrainians were better aware of the rules of safe use of payment cards and online banking. To remind people of them and provide more information about possible fraudulent schemes and ways to counteract cyber fraud, we are launching a new wave of the #ShakhrayGoodbye campaign,” commented Oleksii Shaban, Deputy Governor of the NBU.

“Improving the level of financial literacy of Ukrainians is an important component of Oschadbank's social responsibility programs. Due to the active development of digital services, criminals are constantly updating their arsenal of tools to try to misappropriate Ukrainians' money. To counteract this, joint efforts of many stakeholders are needed, especially in the area of public awareness. The next wave of the All-Ukrainian information campaign #ShakhrayGoodbye is a good example of such cooperation, and that is why we are happy to participate in it,” said Sergii Naumov, Chairman of the Management Board of Oschadbank.

“Every fraud begins with trust - this is what scammers play on, forcing you to speak, click, install. Their main weapon is not sophisticated technology but frivolity, emotions, and lack of knowledge about safe behavior in the digital environment. That is why our goal is not only to detect criminals but also to prevent offenses. The #ShakhrayGoodbye campaign is a joint initiative of the NBU, the cyber police, and the State Special Communications Service of Ukraine, which will help every Ukrainian learn how to protect themselves and their loved ones from financial traps. And even a few simple actions can protect your data and funds,” said Yurii Vykhodets, Head of the Cyber Police Department of the National Police of Ukraine.

“There is a well-known phrase that it is better to prevent a disease than to treat it. We can say the same about cyberspace: it is better to learn and follow the rules of safe behavior in online space in advance than to suffer from the actions of cybercriminals, and lose important personal data or funds due to carelessness or ignorance. The #ShakhrayGoodbye information campaign is an important educational event that I am sure will help many Ukrainians to strengthen their cyber hygiene skills and raise awareness of payment security,” said Oleksandr Potii, Head of the State Service for Special Communications and Information Protection of Ukraine.

During the campaign, the National Bank, together with more than 80 partners, will focus on explaining the main elements of payment security to financial services consumers, including

• how to check websites and chatbots where users enter their payment data
• how to shop safely online;
• how to protect your financial phone number;
• how to avoid the most common fraud schemes;
• how not to accidentally become an accomplice to a crime and not to fall into the trap of fraudsters when looking for a job;
• how to protect your accounts;
• how to create complex and unique passwords;
• how to set up multi-factor authentication.

The information campaign will run until the end of the year throughout Ukraine. As part of it, the NBU and its partners will inform citizens on how to protect themselves from cyber fraud.