Many people are nervous about banking online but there are a lot of things you can do to make it safer for you. Here are our top tips to stay safe online:
- avoid easy to guess passwords such as your name or date of birth
- ignore emails or calls asking for personal information
- use anti-virus and spyware software along with a personal firewall
- check your transactions regularly for any you do not recognise
Phishing is the name given to the practice of sending emails purporting to come from a genuine company operating on the Internetin an attempt to trick customers of that company into disclosing information at a bogus website operated by fraudsters. These emails usually claim that it is necessary to “update” or “verify” your customer account information and they urge people to click on a link from the email which takes them to the bogus website. Any information entered on the bogus website will be captured by the criminals for their own fraudulent purposes.
Trojans take their name from the term ‘Trojan Horse’ and are a type of computer virus which can be installed on your computer without you realising. Trojans can be capable of installing a “keystroke logger”, which captures all of the keystrokes entered into a computer keyboard. Some specifically seek to capture passwords entered at certain web sites, by capturing keystrokes or taking screen shots of sites you visit. This information is then sent to the fraudsters over the Internet.
You can find out more on Bank safe online