6 Tips for Safe Ways When Transactions Via Internet Banking – Since the advent of the internet, banking services are also here to make it easier for users by bringing the convenience of transactions via internet banking. Personally, I am an internet banking user since several years ago, and this is the type of bank transaction service I use most often compared to other types of transactions.
In addition to internet banking makes it easier for us to make transactions in sending money online and can be done anywhere as long as it is connected to the internet, the internet banking transaction process is also very fast. And the interesting thing is that internet banking provides a very large transfer limit compared to atm machines and mobile banking.
By using this internet banking transaction feature, it will make it easier for you to send money transactions and make various types of payments such as buying credit, paying electricity bills, paying to online shops, paying credit installments and much more. By activating internet banking, you no longer need to bother coming to a bank office or an ATM machine, which of course is very queued and may be far from where you live.
If you now intend to activate the internet banking feature, you can come to the bank office where you created your bank account. There you can ask the bank officer to activate internet banking on your account.
However, what you need to know about internet banking is a matter of security. Where internet banking is a bank service that is most vulnerable to account hacking and online fraud crimes. Actually, the internet banking facility from your bank is very safe, but you as an ordinary user can be careless and make mistakes so that fraud occurs which results in your account being easily hacked and you losing your money.
In this article I will discuss a number of things that you should pay attention to when making transactions via internet banking to avoid fraud and hacking of your bank account.
Things to Pay Attention to When Internet Banking Transactions
Below are things you need to be aware of when transacting via internet banking. As we know that there have been many online scams happening in recent years, especially when this is approaching Eid al-Fitr, where there will be lots of people transacting online using internet banking, this will of course be used by online criminals to deceive any internet user. banking, so always be careful and always pay attention to the things below when making internet banking transactions:
1. The bank will never contact you and ask for your account details
The first and most important thing you have to remember is the bank where you open the bank account, they will never call you and ask for your account details. Details such as your internet banking username, password, debit card or number credit card, ATM PIN or CVV number.
If you have received a call and ask for those details, then never share your details, if you do, they will misuse your details and use your bank account. In addition, always remember the official call center number of your bank to avoid these kinds of things.
2. Always check your Internet Banking website address and make sure to use https
Due to increasing hacking attempts webmasters (website owners) are trying their best to protect the data that their customers enter on the website so that it is protected between your browser and the network as a bridge to internet banking access.
Internet banking sites certainly use SSL certificates on their websites to guarantee protection of credit cards, debit cards, etc. So the chances of being hacked by fraudsters are very slim.
Moreover, if you are the owner of the website and have not installed SSL certificate on your website, you should also use SSL to protect your user data. In the past, SSL was very expensive but nowadays SSL is very cheap like Comodo SSL and some even free like Let’s Encrypt.
3. Always Change ATM PIN and Internet Banking Password Regularly
You must always change your ATM card PIN code and internet banking password regularly to keep it safe. Because even if an unauthorized person knows your PIN or password, they can’t use it because you’ve changed it. Some banks even remind their account holders to change their passwords by texting them regularly.
4. Do not use computers and public internet networks to access internet banking
Public computers as well as public internet networks such as the ones you can find at cafes or internet cafes are very vulnerable to breaking your bank account information. Apart from the fact that many people use computers in these places. It is possible that those computers may have a virus installed which may record keystrokes you enter, and public networks may also have software installed that can filter every type of account login to various important accounts.
If you have urgency and you have to use a public computer to log into your internet banking account, make sure to use a VPN or after using a public computer make sure you delete history including cache, cookies, and delete all temporary files on that computer.
5. Update your Mobile Number in the Bank Account
When you open a bank account at a bank, it is quite clear that your mobile number will be linked to your bank account. You receive an SMS notification on your mobile number whenever a transaction occurs in your bank account. So it will help you to keep track of the transactions that take place in your bank account.
If you get a suspicious SMS notification like you have used a debit card or entered your internet banking account. If you haven’t already, you can block access right away. If the mobile number linked to your account is outdated then you should update the mobile number on your bank account as soon as possible.
6. Always Use a Licensed and Active Anti-Virus
On your personal computer when you want to access internet banking, always make sure to install best anti virus software on your active, updated and licensed computer. Because the anti-virus software has been designed, it will prevent you from phishing and other attacks on your computer so that your transactions via internet banking remain safe.
Those are some things that you must always remember and pay attention to when you want to transact or open your internet banking account to stay safe and avoid online fraud that will harm you. If you think you missed something in the tips above, feel free to leave a comment below. And don’t forget to share your thoughts on how you can prevent online fraud by commenting in the comments below.