Scams like these

[Brissy1]

Very most likely, that the Turkish Railway thingo, if that is transaction is legit, and that you are going to there on that European trip, that side has been compromised, or that someone there has put in a system to copy card data.
Personally, if I were going for a trip like that, to Europe, I would have gotten a virtual transaction, with a single use CCV, some banks have that.
But too late now I guess/would surmise.

That's interesting about dynamic cvv . Unfortunately the main card I use os (Macquarie) doesn't have it that I can see, however wbc and nab(mycard) do. I presume that when buying something (Turkish train tickets) one logs into the bank app and gets the dynamic cvv rather than using the one on the cr card?
This from wbc:

Help stop fraudsters with dynamic CVV/CVC​

Dynamic CVV/CVC reduces the risk of fraudulent card activity by over 50% as it refreshes the 3-digit security number on your Westpac debit or credit Digital Card every 24 hours

 

[pauldab]

That's interesting about dynamic cvv . Unfortunately the main card I use os (Macquarie) doesn't have it that I can see, however wbc and nab(mycard) do. I presume that when buying something (Turkish train tickets) one logs into the bank app and gets the dynamic cvv rather than using the one on the cr card?

I have a revolut account specifically for access to virtual and one-time use cards for this very reason (it's not dynamic CVV). At the time I think it was just them who provided access to virtual cards. I don't know if any other providers have the facility but to me this is the easiest way to keep safe with online purchases.

 

[drron]

The second Wcmo last Friday was Boardroom share registry. I wanted a copy of a statement for tax purposes.. But I had forgotten my password so went online to change it. However the 2SRNs I had were not accepted as being valid. So I rang.
Obviously got an Indian call centre. Had to ask him to repeat everything. I said I only want the link to the change password. He insisted that I have to do it his way and so ended up with a new account with only one stock. No statement was available and you had to email for past transactions. I did and it bounced. Though yesterday it went through.
I rang Monday and got their Sydney office and the woman saw I had 2 accounts fortunately with different names for signing in. So now happy.

 

[SYD]

Help stop fraudsters with dynamic CVV/CVC​

Dynamic CVV/CVC reduces the risk of fraudulent card activity by over 50% as it refreshes the 3-digit security number on your Westpac debit or credit Digital Card every 24 hours

Question now is what cards allow dynamic (or single use) CVV/CVC but don’t charge international tx fees nor require preloading?

 

[Warks]

Very most likely, that the Turkish Railway thingo, if that is transaction is legit, and that you are going to there on that European trip, that side has been compromised, or that someone there has put in a system to copy card data.
Personally, if I were going for a trip like that, to Europe, I would have gotten a virtual transaction, with a single use CCV, some banks have that.
But too late now I guess/would surmise.

The problem is that it was just one transaction, booking a sleeper in advance as much as I could and was only around $100. They didn't take Amex either. No way to know it was them I guess. We really shouldn't have to prep so much for cards being scammed but here we are. I've had cards impacted in 2023 and 2024 (but not last year) when travelling overseas. I can remember when I'd go ten years without a card issue but it's way more frequent now with all the added security needed.

 

[Pete98765432]

I don't know if any other providers have the facility but to me this is the easiest way to keep safe with online purchases.

Question now is what cards allow dynamic (or single use) CVV/CVC but don’t charge international tx fees nor require preloading?

While they don’t have dynamic CVV/CVC, Bankwest let you create virtual cards (single or multi use) on debit and credit cards and do not charge international transaction fees.

 

[AuSammy]

Wherever possible I use PayPal for any online transaction.

Gives me peace of mind the actual card is not going to the other side.

Also PayPal are good at giving money back if the other side pulls a swifty with substitute product or non supply.

 

[SYD]

Wherever possible I use PayPal for any online transaction.

Gives me peace of mind the actual card is not going to the other side.

Also PayPal are good at giving money back if the other side pulls a swifty with substitute product or non supply.

But PayPal charge an int TX fee…

 

[AustraliaPoochie]

That's interesting about dynamic cvv . Unfortunately the main card I use os (Macquarie) doesn't have it that I can see, however wbc and nab(mycard) do. I presume that when buying something (Turkish train tickets) one logs into the bank app and gets the dynamic cvv rather than using the one on the cr card?
This from wbc:

Help stop fraudsters with dynamic CVV/CVC​

Dynamic CVV/CVC reduces the risk of fraudulent card activity by over 50% as it refreshes the 3-digit security number on your Westpac debit or credit Digital Card every 24 hours

Dynamic ccv, I think you just use the normal website of any merchant you want to buy from, usually the ccv last for about maybe 6 hrs, so you can write down the # of the ccv, and have access to if for a short time.
But of course, the scammers, if they work fast, can still do their disastery deeds.
Its hard tho.
But lucky you saw it in time, and was able to get them to cancel the card.
Debit and credit cards are so convenient, but do need a lot of work to keep them in check.
Maybe go for the ANZ card, where they have falcon, that looks out for weird transaction, or abnormal ones, or ones that you have never deal with.
Your bank should have flagged that $1000 USD transaction tho.
But I do suspect, its very most likely the Turkish railway tix that did the deed.
===
I usually log into my banks app on the phone, it gives me the dynamic ccv, I write it down, it gives me about 6 hrs, and use the laptop for any bookings, but I dont dare to go to Europe, the phones bank app would be the one to issue out dynamic ccv.