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Stay Safe When Online Banking

Advancements in phishing emails, SMS scams and hacks mean that we need to be constantly aware of the developing tricks and methods that cyber criminals are using. Sometimes it’s hard to tell if an email is genuine, but there are a few clues in most emails that make them easier to identify if the sender is authentic, read out blog on Keeping Your Inbox Safe here .

Much like phishing emails and hacks targeting your personal information and data, it’s easy to spot unusual behaviour surrounding you internet banking as there are many moves hackers are making that your bank never would. Protecting our money is at the fore front of all our minds, hiding our pin at ATMs and in shops, keeping our purses and wallets on us at all times, but it can take just one click on a malicious link to give a hacker full access to your online banking. So how can you keep yourself protected from cyber criminals targeting your finances?

Firstly an email or SMS message from your bank should never address you not by your name, referring to you as ‘account holder’ or by your email address. A bank will always address you by your name, this is the first thing to raise alarm bells ringing when receiving an email or text regarding your banking. Contacting you on different email address than usual is also suspicious. You will know what email you have registered with your bank accounts and if emails start appearing to your work or alternative email, be suspicious.

A few features within the body of an email or SMS can also show key signs of an attempted attack. Banks will never use shortened URLS, like ow.ly or tinyurl and they will never threaten to delete your account due to inactivity or any other reason. Another tell-tale sign of fake activity is requesting confirmation of details via text or email. Remember a real bank would never request this kind of sensitive information let alone via email or text.

The various different ways to access your online banking are great for on the go or when you’re away from work or home, but this increases the routes hackers can take to get you. Apps are great but beware of scammers sending app updates as links in emails, updates will only be available through the appropriate and genuine app store. The most important thing to remember when accessing your bank through a web browser is to ensure it’s a secure webpage. The address bar should show a padlock and a green bar confirming it’s secure.

Keeping your eyes open for signs of scams and hacks should be easy, simply stay alert and don’t click or do anything unless you’re 100% sure it’s genuine.

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