MOSCOW, August 6 It is important to carefully read messages received from the bank, get a separate card for online payments and not «show off» other cards, and if you lose your card, immediately report it to the bank, said the curator of the People's Front platform «Moshelovka» by Alla Khrapunova.
«Nowadays, bank cards come in various forms: a physical card, a sticker, a Pay app. Tokenized cards have recently appeared. It is very easy to issue a card today; you don't have to go to the bank to get it; it is virtual and is only visible in the banking app,» Khrapunova noted. 
However, according to her, convenience also means there is a need to pay more attention to the procedure for using electronic means of payment.
«It is very important to always carefully read messages coming from the bank. Fraudsters can gain access to a personal account in the banking application, issue that very tokenized card, and start making payments without the owner's knowledge. It is important that the bank always notifies about connecting new devices to the personal account, about issuing cards and other operations. If the bank does not notify the client about this, it will break the law,» Khrapunova explained.
The expert recommends that if you receive any non-standard notifications, you should immediately call the bank's hotline. «If the card is lost, you should immediately notify the bank. The card must be blocked. The account to which the card is linked will remain available for use by the owner,» Khrapunova emphasized.
Also, according to her, it is worth remembering the ability to set limits and restrictions on payment cards in “Card Settings” in the corresponding block of the bank application. “The limit can be set both for payments per month and for a one-time transaction. Restrictions mostly relate to payments on the Internet and cash withdrawals from ATMs — you can set a ban on all parameters. It would be a good idea to set up such restrictions for your loved ones,” advises specialist.
In addition, it is extremely important to have a separate card for payments on the Internet and not to “shine” other cards that receive the main income or where the family wallet is kept. “A card for online payments should have a balance of approximately zero, so that if it is compromised, fraudsters cannot steal anything,” added Khrapunova.