{"id":32272,"date":"2026-10-23T22:14:47","date_gmt":"2026-10-23T22:14:47","guid":{"rendered":"https:\/\/mobailes.com\/?p=32272"},"modified":"2026-10-23T23:32:09","modified_gmt":"2026-10-23T23:32:09","slug":"phone-scams-how-to-protect-yourself","status":"publish","type":"post","link":"https:\/\/mobailes.com\/hr\/golpes-por-telefone-como-se-proteger\/","title":{"rendered":"Prijevare putem telefona i tekstualnih poruka: Naj\u010de\u0161\u0107e vrste i kako se za\u0161tititi"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Poruka da je va\u0161a narud\u017eba zaglavljena, poziv koji vas obavje\u0161tava da ste osvojili nagradu, kontakt koji hitno tra\u017ei novac. <strong>prevare putem telefona i tekstualnih poruka<\/strong> Stalno mijenjaju odje\u0107u, ali gotovo uvijek slijede isti scenarij: stvaraju osje\u0107aj hitnosti, zadobivaju va\u0161e povjerenje i tra\u017ee informacije ili novac.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U ovom \u0107ete vodi\u010du saznati vi\u0161e o naj\u010de\u0161\u0107im prijevarama, prepoznati znakove upozorenja i saznati \u0161to u\u010diniti ako vi ili netko u va\u0161oj obitelji postanete \u017ertvom jedne od njih.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Za\u0161to telefonske prevare tako dobro funkcioniraju?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prevaranti se oslanjaju na dva faktora: \u017eurbu i emocije. Kada se u poruci spomene hitan problem, \u010dlan obitelji kojem je potrebna pomo\u0107 ili nagrada kojoj istje\u010de rok valjanosti, ljudi djeluju prije nego \u0161to razmisle. Nadalje, mnoge prijevare koriste stvarne podatke, poput va\u0161eg imena ili banke u kojoj imate ra\u010dun, dobivene iz kr\u0161enja podataka. Zbog toga se pristup \u010dini legitimnim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Najbolja obrana je poznavanje obrazaca. Nakon \u0161to prepoznate obrazac, postaje puno lak\u0161e biti sumnji\u010dav.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Prijevara s naknadom za narud\u017ebu<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kako funkcionira:<\/strong> Primite SMS ili tekstualnu poruku u kojoj se navodi da je va\u0161a narud\u017eba zadr\u017eana i da trebate platiti malu naknadu za ponovnu dostavu ili carinu. Poruka sadr\u017ei poveznicu na stranicu koja opona\u0161a web-mjesto dostavne tvrtke, gdje unosite podatke o kartici ili pla\u0107ate kodom.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Znakovi upozorenja:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ne o\u010dekujete nikakve isporuke ili se ne sje\u0107ate da ste i\u0161ta kupili iz inozemstva.<\/li>\n\n\n<li>Link ima \u010dudnu adresu, ili skra\u0107enu ili druga\u010diju od slu\u017ebene web stranice.<\/li>\n\n\n<li>U poruci je naveden kratak rok, poput &quot;plati danas ili \u0107e paket biti vra\u0107en&quot;.<\/li>\n\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kako se za\u0161tititi:<\/strong> Nemojte kliknuti na poveznicu. Ako je kupnja na putu, provjerite pra\u0107enje tako da sami upi\u0161ete adresu slu\u017ebene web stranice ili otvorite aplikaciju trgovine u kojoj ste obavili kupnju.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Prijevara s la\u017enim nagradama<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kako funkcionira:<\/strong> Primili ste poziv ili poruku kojom vas obavje\u0161tavaju da ste osvojili nagradu, automobil ili nov\u010danu nagradu. Me\u0111utim, da biste preuzeli nagradu, morate platiti naknadu, dati bankovne podatke ili podijeliti kod primljen putem SMS-a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Znakovi upozorenja:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Niste se prijavili ni za kakvu promociju.<\/li>\n\n\n<li>Tra\u017ee avansnu uplatu kako bi &quot;oslobodili&quot; nagradu.<\/li>\n\n\n<li>Mole vas da to dr\u017eite u tajnosti ili da odlu\u010dite na licu mjesta.<\/li>\n\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kako se za\u0161tititi:<\/strong> Legitimne promocije ne napla\u0107uju dostavu nagrada. Spustite slu\u0161alicu i, ako \u017eelite potvrditi, kontaktirajte tvrtku putem slu\u017ebenih kanala koje sami mo\u017eete prona\u0107i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Prijevara &quot;Promijenio sam broj, po\u0161alji mi sliku&quot;\u201c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kako funkcionira:<\/strong> Netko \u0161alje poruku s novog broja, s fotografijom sina, ne\u0107aka ili prijatelja, u kojoj ka\u017ee da je promijenio broj telefona. Nakon kratkog razgovora slijedi zahtjev: platiti hitan ra\u010dun ili izvr\u0161iti transfer, uz obe\u0107anje da \u0107e ga vratiti sljede\u0107i dan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Znakovi upozorenja:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Osoba izbjegava odgovaranje na telefonske pozive ili videopozive.<\/li>\n\n\n<li>Stil pisanja je druga\u010diji od uobi\u010dajenog.<\/li>\n\n\n<li>Ra\u010dun za pla\u0107anje je na ime druge osobe.<\/li>\n\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kako se za\u0161tititi:<\/strong> Prije bilo kakvih transfera, nazovite stari broj osobe ili razgovarajte s nekim tko joj je blizak. Drugi savjet je postaviti pitanje na koje samo ona zna odgovor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. La\u017ena prijevara s pozivnim centrom banke<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kako funkcionira:<\/strong> Primate poziv od nekoga tko se predstavlja kao zaposlenik va\u0161e banke i obavje\u0161tava vas o sumnjivoj kupnji na va\u0161oj kartici. Da bi &quot;otkazala&quot; kupnju, osoba tra\u017ei va\u0161u lozinku, kod primljen putem SMS-a, da instalirate aplikaciju za udaljeni pristup ili da prebacite novac na &quot;siguran ra\u010dun&quot;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Znakovi upozorenja:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tra\u017ee lozinku, verifikacijski kod ili potpune podatke o kartici.<\/li>\n\n\n<li>Tijekom poziva tra\u017ee da instalirate neku aplikaciju.<\/li>\n\n\n<li>Govore o &quot;sigurnom ra\u010dunu&quot; ili &quot;za\u0161titnom ra\u010dunu&quot; gdje mo\u017eete uzeti svoj novac.<\/li>\n\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kako se za\u0161tititi:<\/strong> Banka ne tra\u017ei lozinke niti prenosi podatke putem telefona. Prekinite poziv i kontaktirajte ih sami putem slu\u017ebene aplikacije ili broja otisnutog na pole\u0111ini va\u0161e kartice. Ako je mogu\u0107e, nazovite s drugog ure\u0111aja jer u nekim slu\u010dajevima linija jo\u0161 uvijek mo\u017ee biti spojena na prethodni poziv.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kako za\u0161tititi roditelje i bake i djedove<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Starije osobe obi\u010dno odgovaraju na svaki poziv i vjeruju onima koji govore pristojno. Neke jednostavne radnje mogu pomo\u0107i:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Raspravite o naj\u010de\u0161\u0107im prijevarama, koriste\u0107i primjere iz stvarnog \u017eivota, bez izazivanja uzbune.<\/li>\n\n\n<li>Kombinirajte obiteljsku &quot;klju\u010dnu rije\u010d&quot; za potvrdu zahtjeva za novac.<\/li>\n\n\n<li>Aktivirajte filter ne\u017eeljene po\u0161te i opciju isklju\u010divanja zvuka nepoznatih brojeva na njihovim mobitelima.<\/li>\n\n\n<li>Jasno im dajte do znanja da vas mogu nazvati prije nego \u0161to izvr\u0161e bilo kakvo pla\u0107anje zatra\u017eeno putem telefona.<\/li>\n\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Nasjeo sam na prijevaru. \u0160to sad?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ako ste podijelili podatke ili izvr\u0161ili bilo kakva pla\u0107anja, brzo djelovanje pove\u0107ava va\u0161e \u0161anse za minimiziranje gubitaka.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Odmah razgovarajte sa svojom bankom.<\/strong> Slu\u017ebenim kanalima objasnite \u0161to se dogodilo i zatra\u017eite blokiranje kartice ili ra\u010duna, ako je primjenjivo. U Brazilu se Pix transferi mogu osporiti putem Posebnog mehanizma povrata (MED), koji se mora zatra\u017eiti od va\u0161e banke.<\/li>\n\n\n<li><strong>Promijenite svoje lozinke.<\/strong>, po\u010dev\u0161i od banke, e-po\u0161te i aplikacija za razmjenu poruka.<\/li>\n\n\n<li><strong>Omogu\u0107ite dvofaktorsku provjeru.<\/strong> na WhatsAppu i va\u0161im glavnim ra\u010dunima.<\/li>\n\n\n<li><strong>Podnesite policijsku prijavu.<\/strong> Na mnogim mjestima to se mo\u017ee u\u010diniti online, u virtualnoj policijskoj postaji.<\/li>\n\n\n<li><strong>Obavijestite svoje kontakte.<\/strong> Ako je prevarant koristio va\u0161 ra\u010dun za razmjenu poruka, upozorite druge da ne vr\u0161e nikakve transfere.<\/li>\n\n\n<li><strong>Sa\u010duvajte dokaze:<\/strong> Snimke zaslona razgovora, broj s kojeg su zvali, ra\u010duni i vremena.<\/li>\n\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Izvan Brazila, koraci su sli\u010dni: obratite se svojoj banci, policiji i agenciji za za\u0161titu potro\u0161a\u010da u svojoj zemlji.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vidi tako\u0111er:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mobailes.com\/hr\/how-to-block-spam-calls-on-android-and-iphone\/\">Como bloquear liga\u00e7\u00f5es de spam no Android e iPhone<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mobailes.com\/hr\/block-spam-calls-and-scams\/\">Como bloquear liga\u00e7\u00f5es de spam e golpes no celular<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mobailes.com\/hr\/free-up-cell-memory-2\/\">Aplikacije za osloba\u0111anje memorije telefona<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mobailes.com\/hr\/speed-up-cell-phone-3-apps-to-make-your-android-faster\/\">Como deixar o celular mais r\u00e1pido<\/a><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"1254\" src=\"https:\/\/mobailes.com\/wp-content\/uploads\/2026\/10\/image-2.webp\" alt=\"Unuka pokazuje mobitel baki na kau\u010du i obja\u0161njava kako izbje\u0107i prijevare.\" class=\"wp-image-32277\" srcset=\"https:\/\/mobailes.com\/wp-content\/uploads\/2026\/10\/image-2.webp 1254w, https:\/\/mobailes.com\/wp-content\/uploads\/2026\/10\/image-2-300x300.webp 300w, https:\/\/mobailes.com\/wp-content\/uploads\/2026\/10\/image-2-1024x1024.webp 1024w, https:\/\/mobailes.com\/wp-content\/uploads\/2026\/10\/image-2-768x768.webp 768w, https:\/\/mobailes.com\/wp-content\/uploads\/2026\/10\/image-2-12x12.webp 12w, https:\/\/mobailes.com\/wp-content\/uploads\/2026\/10\/image-2-696x696.webp 696w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Zaklju\u010dak: nepovjerenje je najbolja za\u0161tita.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u017durba, tajnost i zahtjevi za novcem ili kodovima tri su ponavljaju\u0107a znaka u gotovo svim prijevarama. Ako primijetite bilo \u0161to od ovoga, stanite, spustite slu\u0161alicu i provjerite pri\u010du putem kanala koji ste odabrali. Podijelite ove savjete s voljenima: \u010desto obiteljski razgovor mo\u017ee sprije\u010diti zna\u010dajne gubitke.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za primanje manje sumnjivih poziva, pogledajte i detaljne upute. <a href=\"https:\/\/mobailes.com\/hr\/how-to-block-spam-calls-on-android-and-iphone\/\">Kako blokirati ne\u017eeljene pozive i nepoznate brojeve na Androidu i iPhoneu.<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Poruka da je va\u0161a narud\u017eba zaglavljena, poziv koji vas obavje\u0161tava da ste osvojili nagradu, kontakt koji hitno tra\u017ei novac. To su prijevare...<\/p>","protected":false},"author":1,"featured_media":32277,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_revidia_rewards_active":"","_mc_subtitle":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-32272","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aplicativos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Golpes por Telefone: Os Mais Comuns e Como se Proteger<\/title>\n<meta name=\"description\" content=\"Conhe\u00e7a os golpes por telefone e mensagem mais comuns, como taxa de encomenda, falso pr\u00eamio e falsa central do banco, e saiba o que fazer se cair em um.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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