Fraud Guide

How to Prevent Yourself from being Scammed

To help you stay alert and protect yourself from being scammed, we’ve put together these helpful tips:

Protect your personal information

  • Keep your passwords and PIN numbers in a safe place and don’t share them with anyone
  • Don’t share your personal information on social media sites
  • Never let anyone have remote access to your computer, even if they claim to be calling from a well-known company, such as a bank or network provider
  • Don’t open suspicious texts, pop-up windows or click on links or attachments in emails. Delete them.
  • Never send money or give credit card details, online account details or copies of personal documents to anyone you don’t know or trust.

Ensure messages from businesses and friends are legitimate

  • Check for security devices on website and social pages, such as padlocks and verification ticks/marks.
  • Scammers will use anything available to them – even social media accounts. If you get a message or email from a friend and it seems unusual or out of character, contact your friend directly and check that the message came from them.
  • Be cautious about answering a message or email that you didn’t ask for, whether it’s from a person or a business. Scammers operate across all channels including the phone, mail, email, in person and social media.
  • Be wary of unusual payment requests. Scammers will often ask you to use an unusual payment method e.g. MoneyGram

In all your dealings, be vigilant and always consider the possibility that it may be a scam.

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DirectAxis is a business unit of FirstRand Bank Limited, an Authorised Financial Services and Registered Credit Provider, NCRCP20. Direct Axis SA (Pty) Ltd, Reg no. 1995/006077/07, an authorised Financial Services Provider, FSP7249 & FSP5. 108 De Waal Road, Diep River 7800.

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Loan repayment terms range from 24 to 72 months. The maximum interest rate with regards to a DirectAxis Personal Loan is 27.5% per annum (compounded monthly). Your rate and initiation fee will be determined according to your personal risk profile.
An illustrative example of a loan at an interest rate of 27.5% per annum would be: Loan amount R50 000 plus a once-off initiation fee of R1 207.50 and a monthly admin fee of R69.00, over 72 months.
The total cost of the loan will be R 110 013.57 which is a maximum Annual Percentage Rate (APR) of 30.76%.