All institutions that offer online banking services work hard to ensure security and many of us take advantage of this relatively new and very convenient way of managing our financial affairs. But criminals are always looking for ways to access accounts, and your bank needs your cooperation to keep your money safe.
Follow the general rules for keeping your own computer safe, and take heed of these top tips for real confidence in online banking:
- When you are completing online transactions, check out the URL. It should begin with ‘https’ which means the site is ultra secure compared to one starting with just ‘http’
- Beware of emails that appear to come from your bank. Spammers can be clever at imitating them. Never reply to requests for your login or other security details Your bank would never ask for these on an email.
- If you need to learn more about the types of scam relating to online banking, check out www.banksafeonline.org.uk. And you can report any scam emails you receive there as well
- Never click on a link in an email that claims to take you to your bank. Far better to do it the long way round by accessing your account via your browser if you need to check something
- Log in to your account at regular intervals and check the transactions listed. Ninety-nine times out of 100 all will be well, but if you find anything that shouldn’t be there, it will be easier to deal with sooner, rather than later
- Be careful about your PIN and your password. Don’t give them to anyone, and if you have to make a note of them, do it in code
- Remember to log out of the online banking service before you leave your computer
Following these tips will help you stay safe online, and will keep your personal and business finances secure.