These days give us great comfort in managing finances and making payments. Digital access to the bank, mobile applications, and contactless payments have changed our everyday life. Although financial institutions do what they can to protect their systems against threats, it depends a lot on us, users, because it is not difficult to make a mistake. Is Online Banking Safe? We will advise on how to use online banking safely from this article.
Some of the tips that you will be familiar with in a moment may seem trivial to you.
The thing is, many necessary precautions are tons of users who forget or are not aware that they are making mistakes.
What’s more, some more advanced users sometimes do not consider several scenarios in which their data and money put at risk.
Where to keep the bank login and password?
Before answering the question, Is Online Banking Safe? Where do you keep your credentials?
The problem with login details scrolls every time we get access to a new account.
It is impossible to remember all the twisted numbers, PINs or passwords, and browsers effectively defend us against recognizing them in the built-in password managers.
That is why, first of all, we need to ensure data protection, thanks to which we get to the online account.
Some rely on analog means, i.e. note on the cards; others are ready to trust the digital notebooks.
In truth, both methods can be useful and safe.
But only with special precautions.
In the case of handwritten notes, make sure that the logins and passwords written down are not on the same page and not stored in one place.
They should adequately hide in case of breaking into the house.
I don’t recommend taking them outside our four corners.
For digital notes, it is recommended to use applications that use PIN codes and passwords or biometric login methods.
Then the saved data will not be available to bystanders in whose hands our smartphone can fall into.
Secure access to a computer, tablet, smartphone
This leads us to the next point related to securing access to our finances.
All devices on which we use online banking should have a login lock – password, PIN, fingerprint, and more.
Besides, you should take care of the latest versions of the operating system, web browser, and banking services applications.
These done automatically without our participation, but it recommends checking manually if we use the latest and most secure solutions.
Online banking is not only facilitation for users but also a mass of new threats.
Unfortunately, many people try to take advantage of various possibilities to stretch or deceive us.
That’s where we doubt is Online Banking Safe?
It’s even common to attempt to access our account by sending malicious links to online banking or unsafe attachments that often contain spyware.
After clicking on the link above, we can go to a page that will only resemble our bank’s transaction service.
Providing our real login details, which may result in delivering them to the wrong people who will quickly access and manage our account without our knowledge.
For the same reasons, it’s worth taking a close look at the bank’s website we visit before logging in.
Pay attention to the appearance and address of the bank’s website
Changes in the appearance and functioning of websites are the norm, but some elements remain characteristic.
To be sure, we can ask the bank, for example, by phone, whether the website or mobile application updated recently if we have any suspicions.
It is also worth familiarizing yourself with the rules prevailing in the bank.
In essence, emails and other types of correspondence contain specific data and information that allow you to identify the sender correctly.
Then impersonating the branch will be difficult.
The above security measures are primarily common sense use of the Web.
Hence, they apply not only to online banking but also to other services, so keep them in mind at all times.
Due to the specificity of online services, it is essential that we also remember to be careful in technical matters.
Watching if the bank’s website uses a secure connection.
Under no circumstances, it is not recommended to use open Wi-Fi networks.
Especially in cafes, gas stations, or hotels when logging in to online banking to do transactions.
The transmitted data is not encrypted and can intercept by bystanders.
In the era of universal access to the Internet via a mobile network, it is advisable to rely on your connection or find a secure Wi-Fi network.
I must also point out that the use of transaction services on devices other than your own.
In particular, in public places should be something that you will avoid at all costs.
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ESET will take care of the secure browser
Additional tools, such as the online banking protection feature, which is part of the ESET Smart Security Premium and ESET Internet Security packages, will help us protect our funds.
Also, protect the data we provide.
This is possible thanks to the ESET Secure Browser function, which encrypts communication between the keyboard and the browser.
In essence, this solution will avoid the problems associated with the presence of a keylogger on the device when we enter login or payment card details.
If necessary, we can manage the list above of secure sites ourselves.
The online banking protection feature automatically gets installed.
Hence it is activated during the configuration of ESET Smart Security Premium and ESET Internet Security.
Be alert, and do not underestimate the dangers
Such an additional layer of security will certainly not hinder us from using online banking.
Still, it will only increase the level of protection of our data and the resources at our disposal.
Nothing replaces, however, sober thinking and vigilance, which should always be maintained.
As with other online services, it is advisable to create secure, hard-to-crack passwords – here.
You can rely on additional tools that generate random strings of letters, numbers, and special characters – as well as controlling activity on our account.
In the case of online banking, it is worth checking the last date of successful and unsuccessful login.
As well as a list of activities on our account.
You should also enable notifications in the mobile application.
Or SMS about login attempts and most of the critical events on our account.
Do you think Online Banking Safe for use? Comment below.