At Banque Heritage SA, we are committed to safeguarding your financial and personal data and to combatting fraud and cybercrime. We remind our clients and stakeholders to exercise caution when interacting electronically or relying on information related to Banque Heritage SA, as our name and brand may be misused by unauthorized third parties.

Such fraudulent activities can take many forms, including fake websites, falsified emails or references, fake social media profiles, alleged business relationships with Banque Heritage SA, or forged confirmations, promises, and guarantees.

The financial industry as a whole faces various criminal schemes aimed at obtaining personal or confidential data, or financial gain. We aim to keep you informed about the current situation and provide guidance on how to protect yourself.

Misuse of Banque Heritage SA’s Name and Brand

Banque Heritage SA wishes to alert its clients and the general public to fraudulent schemes that appear to misuse or impersonate our name. Such activities may involve the creation of fake websites, social media profiles, or email domains falsely claiming an association with Banque Heritage SA.

Fraudsters may also impersonate employees of Banque Heritage SA, including senior executives such as the Chief Executive Officer, Chief Investment Office, or Head of Private Banking, in order to convince individuals to make payments or disclose sensitive information.

We strongly advise against engaging or communicating through any unofficial channels, and in particular against conducting any financial or personal transactions with parties purporting to represent Banque Heritage SA through these means.

We have also been made aware of scams in which individuals are contacted with claims that the Bank offers savings accounts or investment products in France with unusually high returns. Banque Heritage SA has no branch or subsidiary in France, and any such offer is fraudulent.

Please note that Banque Heritage SA will never ask you to transfer money, make a payment, or provide login credentials via a link contained in an email, SMS, or any other electronic message.

Any such request should be considered fraudulent. If you receive a message of this kind, do not click on any links or attachments and contact us immediately.

This page is updated regularly to include fraudulent or suspicious schemes that have been brought to our attention. Please note, however, that it may not cover all existing cases or fraudulent activities.

Unauthorised websites, profiles or email domains not affiliated with Banque Heritage SA :

• heritageasset.finance
• heritageltd.group
• heritagegestion.com
• heritageasset.ltd
• heritagefinanceS.fr
• heritagefinance.fr
• heritagegestionasset.fr
• postfinanceheritage.com
• log.interfaceheritage.fund

FRAUD AWARENESS

Fraud and cybercrime are increasingly sophisticated and can affect anyone. Criminals use a variety of techniques to obtain personal information, financial data, or unauthorized access to accounts.

The purpose of this section is to provide clear explanations of the most common types of fraud, how they are executed, and how you can recognize and protect yourself against them. By understanding these risks, you can make informed decisions, stay vigilant, and reduce the likelihood of becoming a victim.

While this guide highlights the most prevalent schemes, it is not exhaustive. Fraudsters continuously adapt their methods, so always exercise caution when receiving unexpected communications or requests related to your finances.

1. Phishing
   Phishing is when fraudsters attempt to obtain your confidential information — such as usernames, passwords or access to online banking — by disguising themselves as a trustworthy entity. They often send emails that look like they come from your bank, requesting you to “verify”, “reactivate” or “update” your account. The links in the email lead to a fake website designed to steal your login details.
2. SMishing
   SMishing is the mobile-version of phishing (SMS + phishing). Fraudsters send text messages or use instant-messaging apps like WhatsApp claiming to be your bank, asking you to click on a link or call a number in order to “verify” some activity. The link might lead to a bogus site or the phone number to a fraudster posing as a legitimate representative.
3. Social Engineering
   Social engineering relies on manipulating individuals’ helpfulness, trust or lack of self‑confidence. The fraudster deceives the victim into divulging confidential or personal information, or performing actions such as initiating payments. For example, someone might pretend to be a senior executive of the bank and instruct you to transfer funds.
4. Fake News / Disinformation
   Fraudsters also use fake or misleading news to lure victims. For example, they may distribute claims about “exclusive investment opportunities” or “urgent bank notifications” to trick people into clicking malicious links or handing over personal data.
5. Impersonation of Executives & Employees
   Fraudsters may pose as senior executives (CEO, CFO, Head of Private Banking) or other employees to convince clients to make payments or share confidential information.
6. Investment Scams
   These scams present apparently lucrative opportunities (shares, bonds, crypto, rare metals, overseas property). Fraudsters impersonate reputable financial institutions, set up fake websites, send forged documents and build trust—sometimes over social media—before convincing the victim to invest funds that are ultimately lost.
7. Cryptocurrency Fraud
   As cryptocurrencies become more common, so do scams related to them. Fraudsters exploit the complexity and novelty of crypto-investments, make false promises of high returns and guarantee quick profits—everything is structured to persuade victims to transfer funds to bogus platforms.
8. Advance Fee Fraud
   In this scenario, victims are asked to pay a fee (e.g., “tax”, “processing cost”, “release fee”) in anticipation of receiving something of greater value. The offer may be for “securities” or “investments” that turn out to be worthless, and once the fee is paid the fraudster disappears.
9. Elder Fraud
   Elderly individuals are often targeted due to perceived vulnerability. Scammers may use romance scams, lottery promises or sweepstakes notifications to gain trust, then request money or access to bank accounts. The interaction could be by phone, computer or even TV/mail.
10. SIM Swapping
    In a SIM-swap attack, criminals fraudulently port your mobile number to a SIM card they control. This enables them to intercept SMS-based one-time passwords (OTPs) used in two-factor authentication and gain access to your accounts.
11. Authorised Push Payment (APP) Scam
    This occurs when someone is tricked into sending money to a fraudster posing as a genuine payee. The scam often begins with a phone call, email or text message pretending to represent a trusted organisation, and leads to you authorising a payment — believing you are dealing with a legitimate recipient.
12. Ransomware
    Ransomware is malware that encrypts your computer data and demands payment (often in cryptocurrency) to unlock it. Criminals may pose as IT support or send fraudulent “system alerts” to trick you into installing malicious software on your computer.
13. Vishing / Teleworking Support Scams
    In vishing (voice phishing) or teleworking support scams, fraudsters pretend to be from IT support and contact you by phone or email, requesting remote access to your device or asking you to click on a link. Once compromised, they gain access to your credentials or banking data.

For further details, please refer to the following link :
https://www.ncsc.admin.ch/ncsc/en/home/cyberbedrohungen/phishing.html

INCIDENT REPORTING

Please contact us immediately in any of the following situations:

• You have identified a potentially fraudulent website purporting to represent Banque Heritage SA, suspicious social media accounts, or any communication channels claiming affiliation with the Bank.
• You have encountered potentially forged Banque Heritage SA documents, employee signatures (e.g., asset statements, reference letters, payment confirmations), or alleged investment opportunities (e.g., cryptocurrencies, high-yield savings offers).
• You are concerned that you may have disclosed personal information or conducted financial transactions through a website, email, SMS, messaging app, phone call, letter, or any other channel claiming to be associated with Banque Heritage SA.
• You believe you may have responded to phishing, smishing, or chat messages (e.g., WhatsApp) and provided personal data, banking, or login credentials.
• You think you may have provided banking or login information to someone claiming to be a Bank employee, IT support representative, or third-party service provider.
• You have received payment requests, bank transfer instructions, or links asking you to transfer funds that you suspect may be fraudulent.

Immediate reporting helps us and the authorities act quickly to prevent further loss or fraud.

Please also report any suspicious calls, emails, or unusual requests directly to your local authorities, financial regulator, and/or national cyber security centers. Always ensure that any contact or transaction is conducted only through official Bank channels.

In the event of executed fraudulent transactions, notify the responsible authorities immediately. Contact details are provided below.

• Switzerland
• France
• Luxembourg
• Europol
• UK
• Uruguay

SECURITY MEASURES

This section provides clear, practical guidance on how to spot and respond to common attempts to deceive or pressure you. Follow these steps to protect yourself, your information, and your finances from fraud or suspicious activity.

Manipulation & Unsolicited Contact

• Be critical and cautious when confronted with unusual or unsolicited emails, text messages, chats, or phone calls.
• Take your time and do not allow yourself to be rushed. Verify the legitimacy of the request before responding.
• If you suspect fraud, immediately pause or interrupt the communication.
• Record the caller’s number and inform them that you will call them back. Do not trust the displayed number, as it may be spoofed.
• Never disclose personal data such as passwords, credit card details, or login credentials.
• Do not click on links in suspicious messages, even out of curiosity. Links may install malware or redirect you to fraudulent websites.
• Treat email or message attachments with caution. Scan them before opening or avoid opening altogether if uncertain.
• When in doubt, contact the organization directly using contact details you already have or those listed on the official website.

Fraudulent Investments & Financial Offers

• Do not let anyone pressure or rush you into making decisions.
• Frequently review your financial statements and rely only on official documents received through secure channels.
• Use official online banking platforms to monitor up-to-date portfolio balances and transactions.
• Always verify the authenticity of websites, systems, and documents before providing sensitive information.
• Research any investment opportunity online, including the company or cryptocurrency name, combined with terms such as “review,” “scam,” or “complaint.”
• Never transfer money or provide banking/credit card details before independently verifying an investment.
• Be cautious of investment offers via social media, cold calls, or online message boards. Fraudsters often use fake websites to appear legitimate.
• Watch for aggressive sales pitches, “invest now” schemes, or promises of guaranteed returns.
• Be skeptical of celebrity endorsements or claims of insider knowledge. If it seems “too good to be true,” it probably is.

Payment & Invoice Fraud

• Remain vigilant when receiving suspicious calls, emails, or instructions allegedly from your bank or trusted contacts.
• Your bank will never ask for your PIN, login credentials, or transfers via email, SMS, or phone.
• Always verify payment instructions using official contact details or the records you already have, not those provided in the message.
• Be aware that apps claiming to be from your bank may be fake. Download only from official app stores.
• Examine invoices carefully, including fonts, account numbers, wording, and logos, and compare them to previous genuine invoices.
• Be alert to instructions claiming the bank account is “under audit” as a cover for new beneficiary details.
• Always enter website addresses manually in your browser and check for SSL (https:// and lock symbol). Never use links or QR codes sent via email, SMS, or chat for log-in.
• Do not transfer money based on requests from someone claiming to be your bank.

General Cybersecurity Practices

• Keep your devices, browsers, and antivirus software updated.
• Use strong, unique passwords and enable two-factor authentication wherever possible.
• Monitor your accounts regularly for unusual activity.
• Educate yourself about common scams and alert your contacts if you detect fraudulent activity.
• Report any suspicious emails, messages, phone calls, or documents to your bank immediately via official channels.

Warning lists

Click on a jurisdiction to see its alerts and warnings.

• Switzerland
• France
• UK