• Never share your PIN or codes from messages. Bank employees do not need them.
• Do not disclose card details. The number, expiration date, and the three digits on the back stay with you.
• Read your transaction notifications. An unfamiliar charge is important to spot on the same day.
• Hang up if you receive a call about a suspicious charge. Call back yourself using the number on your card.
• Call your bank immediately for any disputed transaction. Your card will be blocked, and the investigation will start sooner.
• Use official channels only. Do not click links from messages. Use only the official contact channels published on the bank's website.

The pension budget is enough to plan once, and then you just need to check against your plans and adjust as necessary. Calculate your income, make a list of mandatory payments, distribute them across the weeks, and keep a reserve.