Fraud includes any unauthorized access or suspicious activity on your account, such as attempts to log in without permission or transactions you didn't initiate.
Swan monitors accounts for unusual activity and uses risk detection systems to identify potential fraud. This includes:
Monitoring transactions in real time
Detecting suspicious patterns
Collaborating with financial crime units to prevent losses
If you notice suspicious activity:
Contact support immediately via the Accountable app or email (support@accountable.eu)
Block your card if you've entered your details on a fraudulent website (see our 'how to' article here)
Do not share your password or passcodes with anyone
Swan will investigate and take action if needed
In addition to contacting Accountable, we strongly recommend filing an official report with the relevant authorities:
Belgium: Report to the local police or via police.be. Online fraud can also be reported to the Centre for Cybersecurity Belgium via ccb.belgium.be.
Germany: Report to your local police station (Polizei). Online fraud can also be reported to the Bundeskriminalamt (BKA).
A police report number may also be required by your bank or insurer for any reimbursement process.
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⚠️ Watch out for follow-up scams. Fraudsters sometimes contact victims a second time, posing as investigators or claiming they can help recover lost funds. If you receive such a contact, do not engage — report it to us immediately. |
Will I ever receive a new passcode automatically when I reset it?
No. During a passcode reset, you will choose and confirm a new passcode yourself. Swan will never send it automatically.
Who can access my account?
Only you and anyone you have explicitly granted access to (for example, through Accountable's accountant access) can see your account data. Unauthorized parties cannot access your account.
Contact between you and Swan
Swan never calls you unexpectedly. If you receive an unplanned phone call from Swan, hang up and inform Accountable immediately
Swan or Accountable might ask you to verify your name or phone number to confirm your identity, but that's it. All other information requests are sent through secure tickets and only for valid reasons, such as an enhanced transaction review.
How can I make my account more secure?
Keep your passcode private
Use strong and unique credentials
Be cautious with emails or links asking for login information
Contact Accountable support if you receive suspicious messages
Apply these 7 tips to avoid falling victim to fraud:
Don't act urgently. Fraudsters pressure you into believing their request is urgent and must happen immediately.
Know what fraud looks like. Stay informed about how fraudsters try to trick people.
Follow established processes. Don't let anyone convince you to bypass processes due to urgency.
Evaluate emails and messages carefully. Check for typos or errors in names, websites, email addresses, and messages. If you receive a phone call, consider whether it sounded authentic.
Contact the person or organization through another established channel if something feels suspicious. For example, if you receive an email, call them before taking action.
Protect your login information. Use unique passwords and passcodes. Store them in a secure password manager. Combine this with MFA or 2FA for extra protection.
Keep your devices updated. Regularly install software updates on computers, phones, and other devices to benefit from improved security measures.
Feel free to contact our support team. We'll be happy to help. 🚀
Author - Valesca Wilms
As content marketing lead at Accountable Belgium, Valesca writes about freelancing, self-employment, and taxes based on her own experience as a freelancer.
Who is Valesca ?Thank you for your feedback!
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Read moreThey always answer right away to any question I have, they provide clear answers, and they are very patient even when I struggle to understand. They try to explain in different ways. They are very helpful, responsive and friendly.
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01/05/2026
Everything was great! All my questions were answered quickly and in a friendly manner.
Wenzeslawa Wegener
04/05/2026
In the world where everyone seems to be out to get small entrepreneurs and overwhelm them with new rules, more taxes and reporting obligations, Accountable often feels like the one steady partner that actually wants you to succeed, providing quick, clear and personalised support. Thank you!
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10/04/2026
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01/12/2024
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14/06/2023
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14/01/2026
The coaching session on tax management was excellent, good material, excellent explanations and very insightful. Combined with the AI I never feel alone with Accountable.
Sergio Barbarino
23/04/2026
The availability of your team to help and guide people to understand their finances better is what really makes Accountable valuable. While the AI is able to give answers to most basic questions, specific scenarios need counsel from a human which your team performs beautifully.
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18/04/2026
Fast and careful answers from Alina. Top service. Thank you.
Anonymous
15/04/2023
They always answer for questions wherever is via direct e-mail or through app. If they can’t answer fully they will forward you to the right place. Documents were always prepared well and ready to send further to government. Everything is intuitive in the app and easy to sort out even for someone completely green in this field.
Anonymous
22/03/2026
