The Internet has made banking easier and more accessible. However, technological advances also create opportunities for criminals, who exploit the benefits of technology to their own benefit. The ease and speed of electronic communications make it possible for criminals to perpetrate their crime with anonymity, making investigations complex. Managing your Internet banking profile and access, in order to ensure that criminals cannot steal your hard-earned money is extremely important.
Are you using your PIN and password correctly to keep your money safe and secure?
- Memorise your PIN and passwords, never write them down or share them, not even with a bank official.
- Make sure your PIN and passwords cannot be seen when you enter them.
- If you think your PIN and/or password has been compromised, change it immediately either online or at your nearest branch.
- Choose an unusual PIN and password that are hard to guess and change them often.
- For your security you only have three attempts to enter your PIN and password correctly before you are denied access to your services.
- Register for your Bank’s cellphone notification service and receive electronic messages relating to activities or transactions on your accounts as and when they occur.
- If reception on your cellphone is lost, immediately check what the problem could be, as you could have been a victim of an illegal Sim swop on your number. If confirmed, notify your bank immediately
- Inform your Bank should your cellphone number changes so that your cellphone notification contact number is updated on its systems.
- Regularly verify whether the details received from cellphone notifications are correct and according to the recent activity on your account. Should any detail appear suspicious immediately make contact with your Bank and report all log-on notification that are unknown to you.
Are you sure you’ve logged on to your Bank’s authentic Internet Banking website?
- Ensure that you are on your Bank’s secure website and not on a ‘spoof’ site that looks like the real website.
- Log onto your Bank’s website by typing in the web address yourself instead of accessing via Google search as it might lead you to a spoofed site.
- Do not use web links that are saved under your favourites and never access your Bank’s website from a link in an email or sms
- Make sure that you are not on a spoof site by clicking on the security icon on your browser tool bar to see that the URL begins with https rather than http.
- Remember to log off immediately when you have finished banking.
Is your own PC secure?
- Never do Internet Banking in public areas such as Internet Cafés, as you never know what software is loaded that may compromise your transactions.
- Make sure that no one has unauthorised access to your PC.
- Be especially aware that there are no security cameras trained on your PC and keyboard.
- Make sure that the software loaded onto your PC is correctly licensed.
- Update your operating system and browser with the latest patches.
- Never open suspicious or unfamiliar e-mails or attachments as these often contain harmful programs.
- Never click on links or attachments within suspicious e-mails.
- Prevent harmful software such as viruses, spyware & Trojans from infecting your PC by:
- Having the latest anti-virus applications loaded on your PC. Most Banks provide this free of charge to their customers.
- Installing a personal firewall on your PC.
- Being aware of using storage devices (such as memory sticks and portable hard drives).
- Browsing and downloading only from trusted websites.
Tips for using your card safely on the Internet:
- Do not send e-mails that contain personal information such as your card number and expiry date.
- Protect your computer by installing and regularly updating quality antivirus software.
- Install a spam blocker on your system. This will ensure that fraudsters find it difficult to send you phishing e-mails.