• my_hat_stinks@programming.dev
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      15 hours ago

      If you’re asking that question you’re probably already at lower risk. Just think of scammers calling up your grandparents or something like that; they pretend to be Microsoft, ask for the user’s credentials, attempt to sign in, then ask for the user’s one time passcode. You can get more elaborate setups but that’s the gist.

    • flamingo_pinyata@sopuli.xyz
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      15 hours ago

      Fairly easily if you create a good replica of the original website the user is trying to log in to.
      In a lot of cases, even technically savvy people are not going to verify the URL.

      • artyom@piefed.social
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        15 hours ago

        I see. I use a password manager so it would probably not fill in the password or the TOTP and throw a red flag for me.

        • IanTwenty@piefed.social
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          2 hours ago

          The phishing attack could also try to convince you your bank had changed domains (hey we’ve been bought by Big Bank and will be moving your account to BigBank.com) and therefore not to expect your password manager to autofill (this is a stretch I know).

          Passkeys are resistant to phishing as they cannot be replayed and your authenticator should refuse challenges from the wrong domain. Even if it did solve a challenge from bigbank.com it’s worthless as the origin is included in the returned challenge so cannot be used by the attackers on the real bank site.

        • libewa@feddit.orgOP
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          14 hours ago

          That wouldn’t work with the iOS passwords app, since Autofill breaks all the time…

    • tuhriel@discuss.tchncs.de
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      15 hours ago

      Call them, say you are the bank and they have seen fraudulent transactions, and to restore the account they will send you a code which you have to tell them…

      For the sms codes: it’s also pretty easy to copy/clone a sim

      There is also the option of a MITM attack with a portal that forwards the login to the real login page and then cuts your connection and the MITM has the open session.

      The good thing with passkeys is, there is nothing a fraudster can get from a user. You can’t forward your passkey via the phone, and MITM are much, much harder to pull off

      • artyom@piefed.social
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        15 hours ago

        I was more referring to “authenticator” style codes. I dunno what else to call them. But you answered that as well.