Do you know, 90% of internet banking users don’t use security tips and that’s results, recent financial breach found over 3.2 million Debit cards compromised, in the Indian online banking system. This is a question mark on over the security of convenient electronic transactions.
Modern technology made a net or mobile banking very easy and reliable to use. All the transactions and services available for 24×7 that you can avail right from your smartphone.
Though it’s a big advantage to bank customers also risky. Because when you bank online, you trust that your account is safe from hackers. Even so, online accounts are easy to target, instead of robbing a bank or ATM machine.
To stay away & be protected from those online hackers the banks and credit unions have a number of policies to keep online customer accounts secure.
However, many people are still hesitant to use this service. Through, I have listed 10 essentials net banking security tips in mind for online banking transactions
Top 10 Important Security Tips For Safe Online Banking
Tip 1: Use Correct Bank URL
Always be careful while trying the URL of your bank to log in to net banking. Many people make these mistakes that they search on Google or other search engines to visit their bank website.
Actually, this is an incorrect way.
Why? Because there are so many clone websites available on the Internet that looks same to same the official sites.
So I always recommend you keep noted your bank web URL in a notebook and always directly type in your mobile or computer browser address bar.
Tip 2 Avoid Malicious Apps
In India, 90% of people are using Android devices. So, be aware of downloading banking applications from Google Play Store or any website links.
That could be a malicious virus, which automatically detects your online banking username and password. Kindly check their authenticity and reviews before downloading, by contacting your Bank.
Tip 3 Ignore pretty emails
Nowadays, the banks also send your monthly statement via registered emails. Though, hackers also use the same methods to withdraw your cash online by sending suspicious robots links through email.
Always, be aware of clicking these types of links or you might share your banking information by doing that.
Tip 4 Avoid sharing your information over calling
None of the Indian banks e.g. SBI, HDFC, PNB, ICICI and all others, never send you SMS or call to know your personal information, Debit/Credit card details, OTP (one-time password) etc.
If you get any such e-mail/SMS or phone call, 100% it is an attempt to fraudulently withdraw money from your account through Internet Banking. Never respond to such email/SMS or phone call. Perhaps contact your branch and report them instantly.
Note: If you have accidentally revealed your credentials. Please visit your bank branch immediately and ask for locking your online transactions facilities.
Tip 5 Keep an eye on the last login
Always check your last login info. If you found any suspicious activity or anything wrong immediately change your login password and contact the bank for further details.
Tip 6 Device security
Always use registered and verified web browsers to login into net banking.
The the following points will improve your internet security
- The newer version of Operating System with latest security patches
- The latest version of Browsers (IE 7.0 and above, Mozilla Firefox 3.1 and above, Opera 9.5 and above, Safari 3.5 and above, Google Chrome etc.)
- Firewall enabled.
- Antivirus signatures applied
- Scan your computer regularly with Antivirus to ensure that the system is Virus/Trojan free.
Tip 7 Don’t log in through Cafe
Avoid accessing your Internet banking accounts from cyber cafes or shared PCs.
Once you logged in, neither you have to provide your username and login password nor your CREDIT or DEBIT CARD details while using internet banking.
Such pop-ups are malware infecting your computer can also hack your online banking account.
Tip 8 Update Password regularly
Don’t hesitate to change/update your Internet Banking password at periodical intervals.
Do not write these login in your mobile notes, books or anywhere. Keep it to your own in brain and mind.
Did I miss any of one security tips that your know? Drop your opinion with us in the comments section.