> a malicious actor can cause you much of the same trouble with your IBAN as they can with your credit card number I disagree with this. A malicious actor may

> a malicious actor can cause you much of the same trouble with your IBAN as they can with your credit card number I disagree with this. A malicious actor may be able to cause some trouble if they have your IBAN, but it would appear to be significantly harder to steal money _and get away with the crime_ using an IBAN compared with someone's credit card details. In the Jeremy Clarkson story from 2008, someone set up a direct debit to a charity using bank account details. Given the hoops you have to jump through to be able to be able to set up a direct debit - and knowing that KYC would apply to the receiving bank account - it would appear to be significantly harder to profit from money withdrawn in this way. With a stolen credit card you can purchase something online from a merchant that isn't obliged to do any KYC checks and the fraudster is gone long before the crime is detected.