This April 27, the applications of Yape and the Mobile banking of the Banco de Crédito del Perú (BCP) registered failures in their systems, according to reports from hundreds of their users on social networks.
The clients of both financial platforms belonging to the BCP They experienced difficulties carrying out operations such as transfers, balance inquiries and various payments for a few hours.
Complaints, mainly focused on the inability to access the applications, flooded platforms such as X, formerly Twitter, and Facebook. It is worth mentioning that Yape has more than 14 million users and BCP has approximately 13 million clients.
The banking entity commented on the matter, responding to an X user: “We are currently experiencing problems in accessing our digital channels. Mobile banking and Yape. Don’t worry, our team is working to solve the problem as soon as possible. We appreciate your understanding.”
In the event of a crash or malfunction of the Yape application, users can choose to use the digital wallet BBVA Plin. This service allows you to make instant money transfers between users of different partner banks for free.
To use Plin, you need to have an account in one of the participating banks and register in the application using your phone number as an identifier. This alternative allows you to maintain basic financial operations such as sending and receiving money.
If you have an account in any of the financial entities such as Interbank, Scotiabank, Banbif, BBVA, Caja Arequipa, Caja Municipal Ica, Alfin, Caja Huancayo or Ligo, you have the option of carrying out operations through their Mobile Banking services or through their respective applications.
To identify a fake transfer in Yape and protect yourself from possible scams, you can follow these tips:
- Verify the effective receipt of the money: The only way to be completely sure that you have received a transfer is to check your balance directly in the Yape app. Don’t rely solely on screenshots or receipts sent by the sender.
- Check the list of movements: In Yape, you can access your transaction history to confirm if the transaction appears registered. If the transfer is legitimate, it should be reflected in this history.
- Be wary of generic receipts: Any receipt or screenshot can be easily manipulated with editing programs. Therefore, do not rely on these documents without first doing your own verification in the app.
- Confirm the sender’s details: Make sure the sender’s name matches the person who says they made the transfer. If you have questions, you can ask the sender to provide you with additional information that only you could confirm through the app.
- Stay tuned for Yape notifications: When you receive a transfer through Yape, the application sends you a notification directly. The absence of this notification may be a sign that the transfer has not taken place.
- Avoid operations under pressure: Some scammers try to pressure their victims to act quickly. Take your time to verify the validity of the transfer before delivering any product or service.
- Contact Yape support: If you have suspicions about a transaction, do not hesitate to contact Yape technical support to request help and clarify your doubts.
To avoid being a victim of Yape scams and protect your financial information, follow these recommendations:
- Locking and changing passwords: If your cell phone is lost or stolen, contact your bank immediately to lock your accounts and change passwords.
- Keep your data secret: Never share confidential information such as your ID, secret keys or security tokens. If you store such information in your email and lose access to your mobile device, use a computer to change your email password and log out of any suspicious devices.
- Balance Confidentiality: Avoid showing or sharing your available balance in Yape, Plin, or in your bank accounts to third parties.
- Beware of suspicious links: Do not click on links received through text messages, emails, social networks or web pages that promise you prizes, request updating of bank information or indicate pending amounts to be collected. These links may direct you to fraudulent sites designed to steal your personal and financial information.
- Using the official application: Make sure to only download and use the official version of the Yape app from official app stores such as Google Play Store or Apple App Store.
- Transaction verification: Regularly review your transaction history on Yape to identify any unusual or unauthorized activity.
- Financial Security Education: Stay informed about your bank’s recommended security practices and security updates to the apps you use.
- Technical support: If you have any questions or problems, contact Yape or your financial institution’s technical support directly. They can offer you assistance and clarify your doubts safely.
