Fraud Prevention


Staying safe from fraud

Fraudsters are getting more convincing. A few minutes learning the warning signs can protect your money and your account — here’s what to look out for, and what we’ll never do.

We will never ask for your password, PIN, card details or one-time codes
— by phone, email, SMS or chat. If someone does, it isn’t us.

KNOW THE WARNING SIGNS

The most common scams, and how to recognise them

Most fraud works the same way: someone creates urgency or trust so you act before you think. If a message pressures you to move fast or keep it secret, slow down.

Phishing, smishing & vishing

Fake emails, texts or phone calls that pretend to be from us, a bank, a courier or a government office, designed to trick you into handing over details or clicking a link.

RED FLAGS
  • Unexpected requests for personal or financial information.
  • Urgent or threatening language — “act now or your account will be blocked”.
  • Odd links, misspelled web addresses or unusual sender domains.
  • Poor spelling and grammar, or unexpected attachments.
  • Anyone asking for your one-time code, PIN or password.

Account takeover & identity theft

Criminals use stolen personal information or credentials to get into your account, or to open accounts in your name.

RED FLAGS
  • Payments or withdrawals you don’t recognise.
  • Login or verification alerts you didn’t trigger.
  • Being locked out, or your contact details changing unexpectedly.
  • Messages confirming a password reset you never asked for.

Romance & relationship scams

Someone builds a relationship with you online, then uses that trust to ask for money — often urgently, and often someone you’ve never met in person.

RED FLAGS
  • A new online contact quickly asks for money or gift cards.
  • Excuses for never meeting or video-calling.
  • Emotional pressure, secrecy, or a sudden “emergency”.
  • Requests to move money on their behalf.

Investment scams

“Too good to be true” opportunities — crypto, trading platforms or funds — promising high returns with little or no risk to get you to keep sending money.

RED FLAGS
  • Guaranteed, unusually high or “risk-free” returns.
  • Pressure to invest quickly or top up before you can withdraw.
  • Payments to a brand-new or unfamiliar beneficiary.
  • No clear, verifiable explanation of how it works.

Impersonation & “safe account” scams

A caller claims to be from your bank, the police or a payment provider, says your money is at risk, and pressures you to move it or share a code to “keep it safe”.

RED FLAGS
  • Being told to move money to a “safe” or “new” account.
  • Requests to read out a security code or approve a login.
  • Being asked to stay on the line or keep the call secret.
  • Caller ID that looks official — it can be faked.

Money mule recruitment

Offers of “easy money” for letting someone use your account to receive and pass on funds. Even if you didn’t know, moving criminal money is illegal.

RED FLAGS
  • A job or contact offering cash to use your account.
  • Money arriving that you’re asked to forward on quickly.
  • Vague “job” duties and reluctance to explain the source of funds.
  • Requests to open accounts or share your login.

Simple habits that keep your account safe

  • Keep your credentials to yourself. Never share passwords, PINs or one-time codes — not even with someone who says they’re from us.
  • Turn on secure authentication. Use two-factor / strong authentication so a stolen password alone isn’t enough to get in.
  • Check before you click. Type our address yourself instead of following links in messages, and check the sender carefully.
  • Slow down when pressured. Urgency is a tactic. A genuine request will still be valid after you’ve taken time to check.
  • Know who you’re paying. Double-check new payees and account details — especially for large or first-time payments.
  • Watch your account. Review transactions regularly and report anything you don’t recognise straight away.
What Kartiera will never do
We will never ask you to share your password, PIN, full card number or a one-time authentication code — by phone, email, SMS or chat. We will never ask you to move money to a “safe account”, and we’ll never send you a message with a direct link into your account login.
If a message or caller asks for any of these, stop and report it. It isn’t us.

How we protect you

Keeping you safe is a shared effort. Here’s some of what we do on our side:

Strong authentication

We apply strong customer authentication and secure sign-in controls so it’s harder for anyone but you to access your account.

Transaction monitoring

We monitor payments in real time for unusual activity and may pause or verify a transaction if something looks wrong.

We’ll reach out

If we spot something suspicious, or you tell us you’ve been targeted, our team will contact you and guide you through the next steps.

Spotted something? Tell us straight away.
The sooner you report it, the more we can do to help. If you think you’ve shared details with a fraudster, been targeted by a scam, or see a transaction you don’t recognise, contact us right away — even if you’re not sure.
Report fraud: [email protected]
Act quickly — report as soon as you notice.

Mellifera Kartiera Limited is authorised and regulated by the Malta Financial Services Authority. This notice is provided for general fraud-awareness purposes and does not replace the terms of your payment services agreement.











Mellifera Kartiera Limited

  • Mellifera Kartiera Limited, registration number C107685, registered office at Villa Malitah, Mediterranean Street, The Village, St. Julians, STJ 1870, Malta, licensed as an electronic money institution with authorised person ID MKL-24227, issued on 20 November 2024 by the Malta Financial Services Authority.
  • Mellifera Kartiera Limited operates under the "COLIBRIX ONE" brand, which serves as a commercial name used by Mellifera Kartiera Limited to market and deliver its services.
  • Any contractual relationship arising from the use of services offered on this website under the "COLIBRIX ONE" brand shall exist solely between the client and Mellifera Kartiera Limited.
  • Mellifera Kartiera Limited does not authorise any unrelated third-party legal entity to enter into agreements with clients on its behalf. For further information, please refer to Mellifera Kartiera Limited’s General Service Terms and Conditions.
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