Can I copy a chipped bank card?

Question

Payment cards

I know for sure that it is quite easy to copy a magnetic card.
How is it with the chipped one?
Sometimes I pay with a chip card like a magnetic one, that is, the cashier simply swipes through the slot of the terminal and does not require a pincode.
Does a copy of the magnetic component of the card make it possible to make a copy of the card and withdraw money from an ATM?

Answer 1

A copy makes it possible to pay for services in stores, if the bank, sorry, assholes.
Moreover, even in such cases, everyone does not care about the protest / chargeback, especially if the cashout took place in the area where you paid with the card, especially since you yourself pay about 1500 for your protest.
ATMs - only PIN (you still need to find out, although this is quite simply, for example, employees of the Supermarket Security Service).
I personally think that banks should simply not authorize transactions that went through the magnetic strip of a chip card, if it is known that the terminal is equipped with a chip reader. Anyway, I enter the pin only in extreme cases, when the red button does not work.
Also, you can press the red button to request a pin in stores, for many cards the transaction will go through and “a check will come out for signature”.

Answer 2

I have a Raiffeisen Bank chip card, if the terminal is equipped with a chip reader, then the magnetic wire fails. Very often I observe how the cashier conducts a magnetic card, the terminal writes a refusal to her and she inserts a chip and everything is buzzing.

Answer 3

What does it mean to copy a chip card? How exactly do you imagine it? Can you copy my smartphone if I give it to you for a few minutes?
A chip card has a built-in chip (microprocessor), communication with which authorizes your operation. If the operation takes place on a magnetic tape, then, of course, the security here is like that of old cards without a chip.

Answer 4

The chip card of PrivatBank (Ukraine), when wired with a magnetic stripe, requires inserting it with a chip into the terminal. I have not seen terminals without support for chip cards.
As for the question itself, I don't know how to copy the chip without destroying it.

Answer 5

There is Alfa-Bank on Habré (Sberbank of Russia, Bank24.ru, SMP Bank and Svyaznoy Bank - they deactivated their accounts, btw I wonder why) and there are no comments from them here.

Answer 6

On Habré, unfortunately, there is no official page of Alfa-Bank for working with clients (questions, wishes, complaints, etc.). Actually, here is a list of official pages: alfabank.ru/internet/socmedia/ You can and should write there (on the official pages) if you have any questions about service, complaints, comments, etc.
About the chip I will answer here "unofficially". You can take a copy of the chip, but the cost of such fraudulent equipment and the process of “taking a copy” does not pay off, there are easier ways to take money from cardholders. And there are still a lot of cards without a chip, only with a strip, so scammers prefer not to mess with chips.
As for the meaning of the chip: yes, it is, and very large. The fact is that terminals and ATMs (although there are fewer and fewer such ATMs), authorizing a card along the strip with a chip, do this at their own risk (to be more precise, not their own, but the acquiring bank, or whatever it is with them). point of sale is specified in the contract). In the event of such a fraudulent transaction, the cardholder will be refunded the money. Another question is that it takes some time :( In general, a card that you use regularly should preferably be equipped with a chip.
By the way, for those who are interested, here is a link to an article about cards, about monitoring, blocking, how this happens in Alfa-Bank: on.fb.me/1bIVwGv (or a mirror in LJ: alfabankru.livejournal.com/48408.html

Answer 7

It is extremely difficult, and it all depends on which chip the card is built on, there are quite vulnerable chips, for example Mifare, on which you can try to make a number of attacks, but in any case it will not take a couple of minutes, since you first need to extract the keys A, B and already with the help of them to decipher the main contents of the map, well, as always, there are a lot of nuances ...