{"id":109822,"date":"2026-02-17T08:06:06","date_gmt":"2026-02-17T08:06:06","guid":{"rendered":"https:\/\/www.europesays.com\/ee\/109822\/"},"modified":"2026-02-17T08:06:06","modified_gmt":"2026-02-17T08:06:06","slug":"pangad-saavad-oiguse-peatada-kahtlasi-makseid","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ee\/109822\/","title":{"rendered":"Pangad saavad \u00f5iguse peatada kahtlasi makseid"},"content":{"rendered":"<p>Eelmisel aastal p\u00f6\u00f6rdus politseisse \u00fcle 3700 kelmuseohvri, kellelt peteti kokku v\u00e4lja enam kui 29 miljonit eurot. Suurima kahjuga \u00fcksikjuhtum oli niinimetatud BEC-skeem ehk \u00e4rikirjapettus, millega \u00fcks ettev\u00f5te kaotas kelmidele \u00fcle 1,7 miljoni euro.<\/p>\n<p>Petuskeem sai alguse e-kirjast, mis n\u00e4is tulevat ettev\u00f5ttega koost\u00f6\u00f6d tegevalt advokaadilt, kes aitas vormistada v\u00e4lismaise kinnisvara ostu. Kiri saabus tehingu l\u00f5ppj\u00e4rgus ning selles teatati, et kinnisvaratehinguga seotud v\u00f5lausaldajate pangarekvisiidid on muutunud. Kaasas olid uued makseandmed ja palve teha \u00fclekanne esimesel v\u00f5imalusel, et tehing \u00f5igel ajal l\u00f5pule viia. Kuna suhtlus advokaadiga oli varem olnud tavap\u00e4rane ning kiri n\u00e4is usaldusv\u00e4\u00e4rne, tegi ettev\u00f5te \u00fclekande esitatud kontole, kuid hiljem selgus, et tegemist oli kelmusega.<\/p>\n<p>Rahandusministeeriumi finantsteenuste poliitika osakonna juhataja Siiri T\u00f5niste selgitas, et seadusemuudatusega saavad pangad \u00f5iguse panna kliendi soovitud makse pausile juhul, kui tekib p\u00f5hjendatud kahtlus, et n\u00f5usolek on saadud andmete v\u00e4\u00e4rkasutamise v\u00f5i pettusega. Lisaks on pankadel \u00f5igus jagada pettustega seotud infot teiste pankade, politsei ja riigi infos\u00fcsteemi ametiga.<\/p>\n<p>\u00abKui maksega on k\u00f5ik siiski korras, t\u00e4idab pank maksejuhise, kahtlusele kinnituse leidmise korral keeldutakse aga makse tegemisest,\u00bb lisas T\u00f5niste.<\/p>\n<p>Samamoodi tegutsetakse v\u00e4lkmaksete puhul \u2013 kui muidu tehakse k\u00f5ik esmased turvakontrollid k\u00fcmne sekundiga, siis pettusekahtluse puhul v\u00f5ib nendega minna kauem.<\/p>\n","protected":false},"excerpt":{"rendered":"Eelmisel aastal p\u00f6\u00f6rdus politseisse \u00fcle 3700 kelmuseohvri, kellelt peteti kokku v\u00e4lja enam kui 29 miljonit eurot. Suurima kahjuga&hellip;\n","protected":false},"author":2,"featured_media":109519,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[35958,26,27,37,33,35,34,36,31,32,21,52061,28,29,52059,19,10932,52056,25,4262,35442,52057,2709,52058,2275,23,24,22,52060,20,30],"class_list":["post-109822","post","type-post","status-publish","format-standard","has-post-thumbnail","category-eesti","tag-ainar-leppanen","tag-breaking-news","tag-breakingnews","tag-ee","tag-eesti","tag-eesti-keel","tag-estonia","tag-estonian","tag-featured-news","tag-featurednews","tag-headlines","tag-jaagup-toompuu","tag-latest-news","tag-latestnews","tag-merike-koppel","tag-news","tag-pangapettused","tag-pettusekahtlus","tag-populaarseimad-lood","tag-ppa","tag-raul-vahtra","tag-sandra-horma","tag-seb","tag-siiri-toniste","tag-swedbank","tag-top-stories","tag-topstories","tag-uldised-uudised","tag-ulekannete-peatamine","tag-uudised","tag-viimased-uudised"],"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/109822","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/comments?post=109822"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/109822\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/109519"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=109822"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=109822"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=109822"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}