Beware of the 'Jet Frog' on your bank statement—here's why it could cost you big time!

Financial scams have become increasingly sophisticated, and Australians are urged to stay vigilant.

A new scam has emerged involving a mysterious entity known as 'Jet Frog' appearing on bank statements.

This seemingly innocuous name could be a harbinger of major fraudulent transactions, leaving Aussies out of pocket and potentially compromising their financial security.



A Sydney resident recently took to social media to share their experience with a suspicious pending transaction from 'Jet Frog' on their online banking statement.

The transaction was for zero dollars, a ‘hold’ attempt used by fraudsters to verify card details before making larger, unauthorised transactions.


Screenshot 2024-01-23 at 8.45.38 AM.png
Someone posted their experience with a suspicious transaction from ‘Jet Frog’. Credit: Reddit


'Never heard of them, nor had ordered anything at the time of the charge,' the user wrote.

'Googled it, and the first result was a scam…they test your card, and if it works, start blasting charges to it.'

The individual promptly contacted their bank, leading to the cancellation and reissuing of their card.

The 'Jet Frog' scam appears to be a recent phenomenon in Australia, with no registered companies under that name.

Described as a third-party payment processor, there are few indications that 'Jet Frog' is a legitimate operation.

Victims of the scam have reported charges as low as 14 cents, followed by multiple attempted transactions for services such as Uber. Others have reported charges of 99 cents, followed by a fraudulent purchase of a necklace for $1000.

While most reports of 'Jet Frog' charges date back to late 2021 and seem primarily from the United States or Europe, Australians are not immune.

Major Australian banks are aware of the scam and have flagged any future attempted transactions involving 'Jet Frog', reducing the likelihood of major fraud.



It is understood that major banks are aware of fraudulent activities involving Jet Frog and have flagged future attempted transactions.

However, the threat is not entirely eliminated.

'At ING, we continually monitor accounts for suspicious and fraudulent activity,' an ING spokesperson said.

'While we do everything we can to protect customers from fraud, we also encourage customers to diligently review their transaction records and contact us immediately on 133 464 if they ever spot anything that doesn’t seem right.'

In the past, criminals relied on physical skimming devices attached to ATMs or EFTPOS machines to steal credit card details and PIN codes.

Hackers also infiltrated legitimate websites to steal stored payment details, which were sold on the dark web in bulk.

This was the case of cyberattacks on Australia’s popular brands, such as Guzman y Gomez, Dan Murphy's, Binge, and Event Cinemas, which left thousands of customers' personal details compromised and fraudulent transactions carried out in their names.

The victims were customers who had saved their credit card details on the company website or had gift cards or store credit for online purchases. You can read more about the story here.



However, an emerging trend in financial fraud doesn't involve skimming or hacking. Instead, it uses 'brute force' efforts, where computing technology essentially guesses card details in seconds.

NordVPN recently conducted an analysis of four million credit cards listed for sale on the dark web and found most were obtained via brute force.

'That means that criminals basically try to guess the card number and CVV,' Marijus Briedis, Chief Technology Officer at NordVPN, said in a report.

‘The first six to eight numbers are the card issuer’s ID number. That leaves hackers with seven to nine numbers to guess because the 16th digit is a checksum and is used only to determine whether any mistakes were made when entering the number.’


pexels-sora-shimazaki-5935794.jpg
Hackers are now using more advanced ways to obtain someone’s card details. Credit: Pexels


Briedis added that guessing those nine digits requires a computer to run through one billion possible combinations, which can be done on a typical computer with simple software.

This method can be executed in about a minute on a standard computer, which is capable of running 25 billion combinations over the course of an hour.

‘However, depending on the card issuer, a criminal may need only seven digits to make a correct guess. In this case, six seconds would be enough.’

Once cybercriminals have the correct combination, they can sell verified card data for as little as $10 on the dark web.

‘And hackers have millions of these ready to sell,’ Briedis said.

Of the four million stolen cards available for sale analysed by NordVPN, more than 419,000 belonged to Australian victims.

Visa cards were most commonly found among caches of stolen card details, followed by MasterCard and American Express.

‘Debit cards were more common than credit cards in the markets the independent researchers surveyed. Hacked debit cards put their victims at greater risk because there tend to be less protections in place for debit.’



If you notice a transaction from 'Jet Frog' on your bank statement, it is crucial to contact your bank immediately so your card can be cancelled and reissued.

Those affected are also encouraged to report the incident to ScamWatch, a division of the National Anti-Scam Centre.

‘If you’ve lost money or personal details to a scammer, you’re not alone,’ ScamWatch stated.

Hundreds of thousands of Australians are scammed out of their money or personal information every year.’

‘Contact your bank or card provider immediately to report the scam. Ask them to stop any transactions.’

‘Once you have secured your details, you can help us try to stop the scam or warn others by reporting the scam to us.’

You may also visit our Scam Watch forum to get the latest updates.
Key Takeaways
  • Australians are being cautioned to remain vigilant for a scam involving ‘Jet Frog’ transactions on their credit and debit cards.
  • A zero-dollar pending transaction from a non-existent company named Jet Frog is likely a card verification check criminals use to test card details for later fraudulent activities.
  • Major Australian banks are aware of Jet Frog's fraudulent activity and have taken steps to flag and prevent future attempts.
  • Victims of such scams are urged to contact their banks immediately and report the suspicious activity to both their financial institution and ScamWatch for further assistance.
Have you encountered the 'Jet Frog' scam or any other similar scams? Share your experiences and tips for staying safe in the comments below.
 
Sponsored
I check all our accounts regularly.
I found a "hold"entry on my husband's statement from some Chinese named company.
I rang the bank to query it. They returned my call and said it was a towing company.
Strange, my husband doesn't have a car and doesn't drive. Had to get a new card, such a pain.
Two months later there were two "holds" which said Microsoft. My husband doesn't have a smart phone or a computer, wouldn't know how to turn one on. Not wanting to go through the new card fiasco again I transferred all the funds except $1 to a different account until the hold date had passed. No trouble since but don't keep very much cash on the keycards anymore.
 
Financial scams have become increasingly sophisticated, and Australians are urged to stay vigilant.

A new scam has emerged involving a mysterious entity known as 'Jet Frog' appearing on bank statements.

This seemingly innocuous name could be a harbinger of major fraudulent transactions, leaving Aussies out of pocket and potentially compromising their financial security.



A Sydney resident recently took to social media to share their experience with a suspicious pending transaction from 'Jet Frog' on their online banking statement.

The transaction was for zero dollars, a ‘hold’ attempt used by fraudsters to verify card details before making larger, unauthorised transactions.


View attachment 39768
Someone posted their experience with a suspicious transaction from ‘Jet Frog’. Credit: Reddit


'Never heard of them, nor had ordered anything at the time of the charge,' the user wrote.

'Googled it, and the first result was a scam…they test your card, and if it works, start blasting charges to it.'

The individual promptly contacted their bank, leading to the cancellation and reissuing of their card.

The 'Jet Frog' scam appears to be a recent phenomenon in Australia, with no registered companies under that name.

Described as a third-party payment processor, there are few indications that 'Jet Frog' is a legitimate operation.

Victims of the scam have reported charges as low as 14 cents, followed by multiple attempted transactions for services such as Uber. Others have reported charges of 99 cents, followed by a fraudulent purchase of a necklace for $1000.

While most reports of 'Jet Frog' charges date back to late 2021 and seem primarily from the United States or Europe, Australians are not immune.

Major Australian banks are aware of the scam and have flagged any future attempted transactions involving 'Jet Frog', reducing the likelihood of major fraud.



It is understood that major banks are aware of fraudulent activities involving Jet Frog and have flagged future attempted transactions.

However, the threat is not entirely eliminated.

'At ING, we continually monitor accounts for suspicious and fraudulent activity,' an ING spokesperson said.

'While we do everything we can to protect customers from fraud, we also encourage customers to diligently review their transaction records and contact us immediately on 133 464 if they ever spot anything that doesn’t seem right.'

In the past, criminals relied on physical skimming devices attached to ATMs or EFTPOS machines to steal credit card details and PIN codes.

Hackers also infiltrated legitimate websites to steal stored payment details, which were sold on the dark web in bulk.

This was the case of cyberattacks on Australia’s popular brands, such as Guzman y Gomez, Dan Murphy's, Binge, and Event Cinemas, which left thousands of customers' personal details compromised and fraudulent transactions carried out in their names.

The victims were customers who had saved their credit card details on the company website or had gift cards or store credit for online purchases. You can read more about the story here.



However, an emerging trend in financial fraud doesn't involve skimming or hacking. Instead, it uses 'brute force' efforts, where computing technology essentially guesses card details in seconds.

NordVPN recently conducted an analysis of four million credit cards listed for sale on the dark web and found most were obtained via brute force.

'That means that criminals basically try to guess the card number and CVV,' Marijus Briedis, Chief Technology Officer at NordVPN, said in a report.

‘The first six to eight numbers are the card issuer’s ID number. That leaves hackers with seven to nine numbers to guess because the 16th digit is a checksum and is used only to determine whether any mistakes were made when entering the number.’


View attachment 39769
Hackers are now using more advanced ways to obtain someone’s card details. Credit: Pexels


Briedis added that guessing those nine digits requires a computer to run through one billion possible combinations, which can be done on a typical computer with simple software.

This method can be executed in about a minute on a standard computer, which is capable of running 25 billion combinations over the course of an hour.

‘However, depending on the card issuer, a criminal may need only seven digits to make a correct guess. In this case, six seconds would be enough.’

Once cybercriminals have the correct combination, they can sell verified card data for as little as $10 on the dark web.

‘And hackers have millions of these ready to sell,’ Briedis said.

Of the four million stolen cards available for sale analysed by NordVPN, more than 419,000 belonged to Australian victims.

Visa cards were most commonly found among caches of stolen card details, followed by MasterCard and American Express.

‘Debit cards were more common than credit cards in the markets the independent researchers surveyed. Hacked debit cards put their victims at greater risk because there tend to be less protections in place for debit.’



If you notice a transaction from 'Jet Frog' on your bank statement, it is crucial to contact your bank immediately so your card can be cancelled and reissued.

Those affected are also encouraged to report the incident to ScamWatch, a division of the National Anti-Scam Centre.

‘If you’ve lost money or personal details to a scammer, you’re not alone,’ ScamWatch stated.

Hundreds of thousands of Australians are scammed out of their money or personal information every year.’

‘Contact your bank or card provider immediately to report the scam. Ask them to stop any transactions.’

‘Once you have secured your details, you can help us try to stop the scam or warn others by reporting the scam to us.’

You may also visit our Scam Watch forum to get the latest updates.
Key Takeaways

  • Australians are being cautioned to remain vigilant for a scam involving ‘Jet Frog’ transactions on their credit and debit cards.
  • A zero-dollar pending transaction from a non-existent company named Jet Frog is likely a card verification check criminals use to test card details for later fraudulent activities.
  • Major Australian banks are aware of Jet Frog's fraudulent activity and have taken steps to flag and prevent future attempts.
  • Victims of such scams are urged to contact their banks immediately and report the suspicious activity to both their financial institution and ScamWatch for further assistance.
Have you encountered the 'Jet Frog' scam or any other similar scams? Share your experiences and tips for staying safe in the comments below.
Yep, got me earlier this month. Credit card had 2 charges for apple items....which i do not own anything apple. Reported immediately to bank & cancelled card & bank said there were several transaction following but were declined due to credit limit. I guess lucky for me in a way. Then you wait up to 10 days for new card & spend hours updating new card details for bill payments. That's a cashless society for you.
 
Yep, got me earlier this month. Credit card had 2 charges for apple items....which i do not own anything apple. Reported immediately to bank & cancelled card & bank said there were several transaction following but were declined due to credit limit. I guess lucky for me in a way. Then you wait up to 10 days for new card & spend hours updating new card details for bill payments. That's a cashless society for you.
Tell me about it. Convenience is one thing, but safety us another.
 
Financial scams have become increasingly sophisticated, and Australians are urged to stay vigilant.

A new scam has emerged involving a mysterious entity known as 'Jet Frog' appearing on bank statements.

This seemingly innocuous name could be a harbinger of major fraudulent transactions, leaving Aussies out of pocket and potentially compromising their financial security.



A Sydney resident recently took to social media to share their experience with a suspicious pending transaction from 'Jet Frog' on their online banking statement.

The transaction was for zero dollars, a ‘hold’ attempt used by fraudsters to verify card details before making larger, unauthorised transactions.


View attachment 39768
Someone posted their experience with a suspicious transaction from ‘Jet Frog’. Credit: Reddit


'Never heard of them, nor had ordered anything at the time of the charge,' the user wrote.

'Googled it, and the first result was a scam…they test your card, and if it works, start blasting charges to it.'

The individual promptly contacted their bank, leading to the cancellation and reissuing of their card.

The 'Jet Frog' scam appears to be a recent phenomenon in Australia, with no registered companies under that name.

Described as a third-party payment processor, there are few indications that 'Jet Frog' is a legitimate operation.

Victims of the scam have reported charges as low as 14 cents, followed by multiple attempted transactions for services such as Uber. Others have reported charges of 99 cents, followed by a fraudulent purchase of a necklace for $1000.

While most reports of 'Jet Frog' charges date back to late 2021 and seem primarily from the United States or Europe, Australians are not immune.

Major Australian banks are aware of the scam and have flagged any future attempted transactions involving 'Jet Frog', reducing the likelihood of major fraud.



It is understood that major banks are aware of fraudulent activities involving Jet Frog and have flagged future attempted transactions.

However, the threat is not entirely eliminated.

'At ING, we continually monitor accounts for suspicious and fraudulent activity,' an ING spokesperson said.

'While we do everything we can to protect customers from fraud, we also encourage customers to diligently review their transaction records and contact us immediately on 133 464 if they ever spot anything that doesn’t seem right.'

In the past, criminals relied on physical skimming devices attached to ATMs or EFTPOS machines to steal credit card details and PIN codes.

Hackers also infiltrated legitimate websites to steal stored payment details, which were sold on the dark web in bulk.

This was the case of cyberattacks on Australia’s popular brands, such as Guzman y Gomez, Dan Murphy's, Binge, and Event Cinemas, which left thousands of customers' personal details compromised and fraudulent transactions carried out in their names.

The victims were customers who had saved their credit card details on the company website or had gift cards or store credit for online purchases. You can read more about the story here.



However, an emerging trend in financial fraud doesn't involve skimming or hacking. Instead, it uses 'brute force' efforts, where computing technology essentially guesses card details in seconds.

NordVPN recently conducted an analysis of four million credit cards listed for sale on the dark web and found most were obtained via brute force.

'That means that criminals basically try to guess the card number and CVV,' Marijus Briedis, Chief Technology Officer at NordVPN, said in a report.

‘The first six to eight numbers are the card issuer’s ID number. That leaves hackers with seven to nine numbers to guess because the 16th digit is a checksum and is used only to determine whether any mistakes were made when entering the number.’


View attachment 39769
Hackers are now using more advanced ways to obtain someone’s card details. Credit: Pexels


Briedis added that guessing those nine digits requires a computer to run through one billion possible combinations, which can be done on a typical computer with simple software.

This method can be executed in about a minute on a standard computer, which is capable of running 25 billion combinations over the course of an hour.

‘However, depending on the card issuer, a criminal may need only seven digits to make a correct guess. In this case, six seconds would be enough.’

Once cybercriminals have the correct combination, they can sell verified card data for as little as $10 on the dark web.

‘And hackers have millions of these ready to sell,’ Briedis said.

Of the four million stolen cards available for sale analysed by NordVPN, more than 419,000 belonged to Australian victims.

Visa cards were most commonly found among caches of stolen card details, followed by MasterCard and American Express.

‘Debit cards were more common than credit cards in the markets the independent researchers surveyed. Hacked debit cards put their victims at greater risk because there tend to be less protections in place for debit.’



If you notice a transaction from 'Jet Frog' on your bank statement, it is crucial to contact your bank immediately so your card can be cancelled and reissued.

Those affected are also encouraged to report the incident to ScamWatch, a division of the National Anti-Scam Centre.

‘If you’ve lost money or personal details to a scammer, you’re not alone,’ ScamWatch stated.

Hundreds of thousands of Australians are scammed out of their money or personal information every year.’

‘Contact your bank or card provider immediately to report the scam. Ask them to stop any transactions.’

‘Once you have secured your details, you can help us try to stop the scam or warn others by reporting the scam to us.’

You may also visit our Scam Watch forum to get the latest updates.
Key Takeaways

  • Australians are being cautioned to remain vigilant for a scam involving ‘Jet Frog’ transactions on their credit and debit cards.
  • A zero-dollar pending transaction from a non-existent company named Jet Frog is likely a card verification check criminals use to test card details for later fraudulent activities.
  • Major Australian banks are aware of Jet Frog's fraudulent activity and have taken steps to flag and prevent future attempts.
  • Victims of such scams are urged to contact their banks immediately and report the suspicious activity to both their financial institution and ScamWatch for further assistance.
Have you encountered the 'Jet Frog' scam or any other similar scams? Share your experiences and tips for staying safe in the comments below.
I received a phone call yesterday from my Credit Union Fraud dept. I had an amount of 0.0 from Amazon USA that was suspicious. Yes it was called Jet Frog. I was able to stop my card immediately and am without access for a least 5 days. Thank you to The Mac Credit Union and their sharp eyed watchers protecting my account.
 
So, reading all that, it appears that "Jet Frog" is identifiable by the banks as a scam outfit and they "have flagged future transacrions" using that name.
That's one. Beauty.
How soon will it be before another mob gets on to it -- if they haven't already -- using the same setup and any one of millions of new names they can dream up? I can just see the fraud-finding sections of the financial institutions working away like little beavers 24 hours a day trying to protect their customers' money.
I can also see just how much of it they'll care to return to scammed customers, too.
 
If the country goes cashless as predicted, we have to put our faith in the banks ! They are NOT doing enough to keep our money safe from these criminals. Everyday we hear of people losing their money to a scammer or hacker. Do you have faith in your bank ?
Nup, not all that much, but we think they're all pretty much tarred with the same brush.
Since we went to another bank after getting done for about $36,000, we think things might have changed a little bit better.
But if your bank sends you a notification that they can refund you about $6,000 because, as a long-time customer, you've stayed faithful to them but they can't possibly see their way clear to do any more for you -- this with a thinly veiled "take it or leave it" sentence a little later in the email -- what can you do? Then it was followed up by another email stating that, since we had accepted their generous offer, we had no further claim on them, thanks very much.
Ned Kelly is alive and well in that industry, we reckon.
 
  • Wow
Reactions: June E
I check all our accounts regularly.
I found a "hold"entry on my husband's statement from some Chinese named company.
I rang the bank to query it. They returned my call and said it was a towing company.
Strange, my husband doesn't have a car and doesn't drive. Had to get a new card, such a pain.
Two months later there were two "holds" which said Microsoft. My husband doesn't have a smart phone or a computer, wouldn't know how to turn one on. Not wanting to go through the new card fiasco again I transferred all the funds except $1 to a different account until the hold date had passed. No trouble since but don't keep very much cash on the keycards anymore.
I would put a bar on my card until it was time to use it again the put the bar back on..... I had my Mastercard renewed 4 times prior to taking this action.
 
  • Like
Reactions: June E
I would put a bar on my card until it was time to use it again the put the bar back on..... I had my Mastercard renewed 4 times prior to taking this action.
Without knowing the ins and outs of your particular way of doing things, does that mean you've got a bar on every creuit/debit card you have, then, when you want to put something on those cards, you re-apply to have the bar taken off a particular card? Even, let's say, if you want to put the week's groceries on your Mastercard, or a slab of beer?
 
yep....thats our future....even worse now that money is going..watch and see, still pay my bills manually ,over the counter if more than $100 so anything over that on my banking raises a call from the bank as unusual payment.....or change your c/card every 3 months (lost card)....inconvenient?? so what isn't?,try ringing a bank ,ins co etc just about any contact with any company is gross inconvenience today...long gone is the remark "if any problem JUST give us a ring".....ha ha just climb mt Everest....
 
  • Like
Reactions: maherdj
yep....thats our future....even worse now that money is going..watch and see, still pay my bills manually ,over the counter if more than $100 so anything over that on my banking raises a call from the bank as unusual payment.....or change your c/card every 3 months (lost card)....inconvenient?? so what isn't?,try ringing a bank ,ins co etc just about any contact with any company is gross inconvenience today...long gone is the remark "if any problem JUST give us a ring".....ha ha just climb mt Everest....
What a world ... 'member the much-ballyhooed phrase that computers were going to make things so much simpler in the future?
BRING BACK THE SLATE, I say.
 
  • Haha
Reactions: June E
If the country goes cashless as predicted, we have to put our faith in the banks ! They are NOT doing enough to keep our money safe from these criminals. Everyday we hear of people losing their money to a scammer or hacker. Do you have faith in your bank ?
I was scammed last year & immediately contacted my bank. ON THEIR ADVICE, my card was cancelled & I was issued a new card 2 weeks later & they did not honour my selection of how I received the new card 'home by post or pick up from Bank'. The first transaction, all though a scam, I authorised and yes I wore that one, however the Bank still honoured the follow up & continual charges from the scammer although they were not authorised and nor were they on a continual payment plan through a 3rd party. So my account was not canceled & I'm still yet to understand if the new card number is the way to fix this according to the bank, why were new charges continually hitting it. My bank kept going back to the scammers bank denying the transactions. If they paid back that payment to me, they went ahead and charged me again and then they started charging me for something I did not by which was of a similar amount. Now all the time charges were on my card it was my responsibility to pay that card in full so as not to get charged interest. No mean feat to do when one is on a pension. The only was to stop it, of which my bank finally told me I could do but never new it was possible until then, was to prevent International Charges on my account 'the card number did not matter to my bank. No I have found a few days ago that I'm being scammed again. I reputable charity I've know for a long time, has contracted 'un be known to me' a company where a donation/fee for a ticket to win a prize every week. When making the payment, I clearly did not tick the box for continual payment. It was a one off. Received an email saying thanks for joining 'indicating also it was a continual charge' at which I promptly email back it was a one off and please refund the 2 extra payments. 'No reply' so I emailed the address on the charity's web page and got a reply saying that they have no control over the payments and are not in a position to refund, however they did say they would contact the company. OMG we are not safe using a credit card at all and now we are being scammed if we use cash. What is this world coming to.
 
  • Sad
Reactions: June E
I was scammed last year & immediately contacted my bank. ON THEIR ADVICE, my card was cancelled & I was issued a new card 2 weeks later & they did not honour my selection of how I received the new card 'home by post or pick up from Bank'. The first transaction, all though a scam, I authorised and yes I wore that one, however the Bank still honoured the follow up & continual charges from the scammer although they were not authorised and nor were they on a continual payment plan through a 3rd party. So my account was not canceled & I'm still yet to understand if the new card number is the way to fix this according to the bank, why were new charges continually hitting it. My bank kept going back to the scammers bank denying the transactions. If they paid back that payment to me, they went ahead and charged me again and then they started charging me for something I did not by which was of a similar amount. Now all the time charges were on my card it was my responsibility to pay that card in full so as not to get charged interest. No mean feat to do when one is on a pension. The only was to stop it, of which my bank finally told me I could do but never new it was possible until then, was to prevent International Charges on my account 'the card number did not matter to my bank. No I have found a few days ago that I'm being scammed again. I reputable charity I've know for a long time, has contracted 'un be known to me' a company where a donation/fee for a ticket to win a prize every week. When making the payment, I clearly did not tick the box for continual payment. It was a one off. Received an email saying thanks for joining 'indicating also it was a continual charge' at which I promptly email back it was a one off and please refund the 2 extra payments. 'No reply' so I emailed the address on the charity's web page and got a reply saying that they have no control over the payments and are not in a position to refund, however they did say they would contact the company. OMG we are not safe using a credit card at all and now we are being scammed if we use cash. What is this world coming to.
Sounds to me like you need to change your bank.
 
  • Like
Reactions: maherdj and June E

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