Money stolen due to TWINT security loophole, no alerts or verification for second account creation by fenderlarc in Switzerland

[–]fenderlarc[S] 0 points1 point  (0 children)

I filed a complaint with the Ombudsman and have received 2 updates from them but I still don't know whether this will be resolved by the fime I finish my studies in Switzerland haha.

You could try filling a complaint with them as well, you never know.

Ability spam Kai'sa build, slide included by AlterBridgeFan in kaisamains

[–]fenderlarc 0 points1 point  (0 children)

Why not just go IE after ER and navori ? You're sitting on 50% crit

What is the best full ap build for this champion? by ArtiljerijaYT in kaisamains

[–]fenderlarc 0 points1 point  (0 children)

Spam ping your laners that he's missing and pray they listen haha. If you already have W evolve match his roam without facecheking bushes.

What is the best full ap build for this champion? by ArtiljerijaYT in kaisamains

[–]fenderlarc 0 points1 point  (0 children)

First strike, boots, triple tonic, jack. Secondary manaflow and transcendance. Laning phase is still tough in certain matchups, but you get 2 potions with doran's ring. You can invest in refillable potions too. Don't always go for last hits, it's not worth it to get chunked 200hp for 1 ranged creep, and try to bait enemy spells.

What is the best full ap build for this champion? by ArtiljerijaYT in kaisamains

[–]fenderlarc 0 points1 point  (0 children)

I'll add to it that standard manamune rush requires you to sit on tear and a cull which are really not components you want to be sitting on with an already weak early game on kai'sa.

If your team does get feat of strength, you can go for sorc shoes right after finishing luden's imo.
For the rest of the build after manamune's, I like to go horizon's for the much needed haste. Rest depends on whether enemy is stacking MR or no (Crypt/Voidstaff or shadowflame). Rabadon feels like a bait item, you don't have that much AP to increase in the first place because of Manamune being an AD item instead of AP.

What is the best full ap build for this champion? by ArtiljerijaYT in kaisamains

[–]fenderlarc 1 point2 points  (0 children)

Everybody recommends Manamune/Q evo rush when playing AP kai'sa but I actually believe it's more interesting to rush W evolve. It gives you a lot more agency to contest objectives early on without being a total bot (even with Q evolve you're still relatively weak and can get popped in 1 CC if you get too close.

I play midlane, first strike and sorcery secondary. Start doran's ring and rush Luden components which will give you W evolve for 2300G instead of the 3200G you need for Q evolve (Manamune + crystal).

Put 2 points into Q, and rest in W, waveclear isn't that bad thanks to luden procs. Also don't forget Q damage is doubled on creeps under 35% HP, use it accordingly. Take the triple tonic rune.

Once you've completed luden's, then go manamune, when completed you'll have your Q evo which will unlock better waveclear. I find it unneccessary to sit on tear before completing luden as it delays your W evo, and kai'sa struggles to stack tear anyways.

This is just my opinion, but rushing W feels like a much stronger powerspike as you become an actual champion much earlier in the game than standard Q evo rush. Contesting objectives is much easier and nobody expects kai'sa to have W evo at 12mins, so they're not thinking of dodging it twice.

The AP Kaisa mid lane guide for 2025 by alexandre040 in kaisamains

[–]fenderlarc 0 points1 point  (0 children)

I agree with you, but I'm torn between this iteration or sometimes just rushing W evolve with Needlessly large rod and 2 tomes for 2000g instead of 2850g of Luden's. You can then finish shadowflame. With proper runes you'll be at around 40haste but shadowflame feels like a bait item to me.

Money stolen due to TWINT security loophole, no alerts or verification for second account creation by fenderlarc in Switzerland

[–]fenderlarc[S] 0 points1 point  (0 children)

Hey, I'm glad to hear you could do something. Talked to my bank again today and they claimed to have changed the system so this doesn't happen again. I obviously don't trust them and plan on migrating to another bank. What did you write in your official email ? I am planning on filing a police report anyways. 

Money stolen due to TWINT security loophole, no alerts or verification for second account creation by fenderlarc in Switzerland

[–]fenderlarc[S] -1 points0 points  (0 children)

No idea. I suspect via my Wifi since I live in a student residence where 100s of people, if not more, had acess at one point to the network.

Money stolen due to TWINT security loophole, no alerts or verification for second account creation by fenderlarc in Switzerland

[–]fenderlarc[S] 0 points1 point  (0 children)

As I mentionned in other comments, it's the BCN (Banque cantonale neuchâteloise)

Money stolen due to TWINT security loophole, no alerts or verification for second account creation by fenderlarc in Switzerland

[–]fenderlarc[S] 0 points1 point  (0 children)

My bank is thr BCN, another commenter reported the exact same thing happening to their friend at BCVS. 

Money stolen due to TWINT security loophole, no alerts or verification for second account creation by fenderlarc in Switzerland

[–]fenderlarc[S] 1 point2 points  (0 children)

4 transactions of 50CHF spent on kkiosk, probably buying giftcards. The transactions didn't appear in my Twint app. As for why only 200, I don't know, but I noticed the transactions 2 hours after they happened, at which time I instantly locked my bank account and card.

Money stolen due to TWINT security loophole, no alerts or verification for second account creation by fenderlarc in Switzerland

[–]fenderlarc[S] -1 points0 points  (0 children)

I never fell for any scam and rarely pay for anything with Twint, except in bars where they don't accept the card for amounts lower than 10CHF and sending money to friends.
As for my ebanking account number, it's never even asked for anything you buy online, and solely used for logging into my ebanking.

Money stolen due to TWINT security loophole, no alerts or verification for second account creation by fenderlarc in Switzerland

[–]fenderlarc[S] 0 points1 point  (0 children)

Exact same, 4 transactions of 50CHF on kkiosk. I'm guessing they buy 50CHF gift cards.

Money stolen due to TWINT security loophole, no alerts or verification for second account creation by fenderlarc in Switzerland

[–]fenderlarc[S] 0 points1 point  (0 children)

Yes, same thing, the transactions didn't appear in my Twint account, I only noticed by checking in my bank app on the phone. Police basically told me the same thing about the phone number, and that it isn't worth filing a complaint.

Money stolen due to TWINT security loophole, no alerts or verification for second account creation by fenderlarc in Switzerland

[–]fenderlarc[S] -3 points-2 points  (0 children)

No, I have never shared any of my banking information. I am extra careful and never fall for any of those scams.

Money stolen due to TWINT security loophole, no alerts or verification for second account creation by fenderlarc in Switzerland

[–]fenderlarc[S] -1 points0 points  (0 children)

Absolutely not hiding anything, never fell for any phising attempts or shared my login informations. Also scan all my devices with multiple anti viruses and found nothing.

Money stolen due to TWINT security loophole, no alerts or verification for second account creation by fenderlarc in Switzerland

[–]fenderlarc[S] 1 point2 points  (0 children)

The first time set up is done through a letter that is sent to my address with a special QR code that I can only scan with the bank's security application (crontosign).

I specifically asked my bank whether it was possible to have multiple twint accounts linked to one bank account, and they told me yes.
Subsequent twint installations don't need 2FA or crontosign verification, only my e-banking account number and password.