FNB account *****ulently emptied by ********s

I have an account with FNB for a number of years. On 12 February 2026 I notified them of two incidents where money was taken from my account in incident 1 it was a **** website which allowed money to be deducted from my account. I immediately informed the bank to stop the payment and their answer was it is too late to stop it. I stopped my virtual card out of desperation but 3days later their response were they cannot assist me in any manner. I recreated my virtual card that afternoon and the next morning several transactions of withdrawals one after the other were made from my accounts both credit and easy account was cleared in a place in JHB where I've never been. They must have known the amount in mu accounts as they were careful to with R500 at a time to ensure every amount is small. I logged another complaint and the answer was they will investigate it will take 30 days, result is a telephone call to inform me they will not refund me. The responsibility of the bank is laid out below but it does not happen at FNB, I'm to scared to transfer money into my account because if it is taken I have to suffer the consequence's. So what happens when a cyberattack hits a bank? 1. Disruption of services Cyberattacks, especially ransomware, can cause service outages. During this time, customers may be unable to access online banking, ATMs, transfers, or balance inquiries until systems are restored. 2. Data exposure and security risks Breaches can expose customer data, including account numbers, personal information, and transaction histories, which may then be used for identity theft, *****, or targeted ****s. Similar breaches elsewhere (e.g., the recent French national account registry hack) have shown how exposed data can fuel phishing and *****ulent activity. Are customers at risk of losing money? It’s possible, but it's worth noting that major banks typically protect customer funds. Here’s how risk plays out in real scenarios: Direct theft from your account If hackers gain access to your login credentials or bank authentication tokens, they could attempt to drain funds or make *****ulent transfers. This risk increases when credentials are weak or ****** through phishing ****s. Identity theft Compromised information can be used to open accounts, apply for loans, or commit ***** in your name, even if your bank account balance isn’t directly hit. Bank safeguards and regulations Banks and regulators have ***** protection frameworks that detect unusual activity and reverse unauthorised transactions. In many countries, including South Africa, customers are generally protected as long as the loss isn’t due to negligence (like sharing your PIN or ignoring alerts). So what happens when a cyberattack hits a bank? 1. Disruption of services Cyberattacks, especially ransomware, can cause service outages. During this time, customers may be unable to access online banking, ATMs, transfers, or balance inquiries until systems are restored. 2. Data exposure and security risks Breaches can expose customer data, including account numbers, personal information, and transaction histories, which may then be used for identity theft, *****, or targeted ****s. Similar breaches elsewhere (e.g., the recent French national account registry hack) have shown how exposed data can fuel phishing and *****ulent activity. Are customers at risk of losing money? It’s possible, but it's worth noting that major banks typically protect customer funds. Here’s how risk plays out in real scenarios: Direct theft from your account If hackers gain access to your login credentials or bank authentication tokens, they could attempt to drain funds or make *****ulent transfers. This risk increases when credentials are weak or ****** through phishing ****s. Identity theft Compromised information can be used to open accounts, apply for loans, or commit ***** in your name, even if your bank account balance isn’t directly hit. Bank safeguards and regulations Banks and regulators have ***** protection frameworks that detect unusual activity and reverse unauthorised transactions. In many countries, including South Africa, customers are generally protected as long as the loss isn’t due to negligence (like sharing your PIN or ignoring alerts). I do have an account with Capitec and discussed the risks with the and they indicated that they are following the above guidelines. My feeling is that FNB are not taking the incidents seriously and are not doing a thorough investigation on every incident, but are using blanket response "Sorry we can't help you" My mail is *** I'll wait for a response or proof that ANYTHING was done on the bank side to prevent Client exposure to this common daily crime.