Safer online banking

Are among the people who have face to an issue that their bank account been hacked and some money been stolen from there? If yes, then reading this might help you to do correct action. And if no, it is still good idea to read this that it might help you someday or if someone that you know face to this issue then this could help.

Using internet banking and credit card are useful things. You could just sit in front of your PC and order something and it will come to your home. Or you want send money to someone, instead of going to the bank and wait there and fill up forms, you could just use your PC and transfer money using internet. These are very interesting and useful things. But using internet to buy and sell and doing online banking also has its own threats and you should know them and learn how you can protect yourself against them. Like normal banking, you have to be careful and be caution when you bring money to bank or try to deliver money to someone. For example, you never take money in your hand and walk all the ways to the bank, because if bad guys see you money they will stole it. In online world, if you are not careful enough, someone would steal your money. Let’s talk about security in online world, in order to protect your account or credit card; you have to protect your PC first. You will use that to transfer money or buy something online you are using that PC. And in order to protect PC, make sure your Windows is Genuine and update and you are having Anti-Virus and Firewall is on and everything in your system is update. Another thing that you should be careful is that; make sure your browser would have Anti-Phishing technology. Some bad guys, you design a fake webpage to trick you in order to login to the website similar to your bank account but it is NOT. And in this case Anti-Phishing will help you to protect yourself, also make sure it is on. In Microsoft Internet Explorer 7 and later on including Internet Explorer 8 and upcoming version of Internet Explorer 9, you have Phishing filter. In Internet Explorer 7, it called Anti-Phishing but in Internet Explorer 8 and Internet Explorer 9, it calls SmartScreen Filter, it is Anti-Phishing and Anti-Malware (block website that contain Virus, Worm, Trojan, and Spyware …). In the other word, when a website asks you to enter banking information makes sure your will see that the website starts with: HTTPS instead of HTTP, without ‘s’. Also it would have padlock icon like image below:



If the status bar is green then it more secure website but if it is not, it still might be secure. But most importantly is whenever you login to a website it contain both https and padlock. This is applying when you want to enter sensitive information such as bank login page or credit card number or other sensitive information. Another good practice is that if your use Internet Explorer 8 and later version such as upcoming version of Internet Explorer 9, then you have feature called InPrivate Browsing. You could access it by press CTRL+SHIFT+P in your browser or by going to safety menu and chose InPrivate Browsing. It will helps you that once your close your browser that running as InPrivate everything about session would be removed and also many of things will not store in first place. If you notice, when you logout from banking website it will ask to remove browser history, but if you login with InPrivate mode, then you don’t need to delete history. Just close the browser.


You could learn more about online shopping in Internet Explorer by visiting their website .Also do NOT enter your information on any computer. The best idea is that when you want to setup online banking account or any bank account, ask bank itself that how can you protect yourself against online threats. The security in online banking is big issue for banks themselves and therefore they are the best to help you. But if you ever find out that someone stole money from your credit card or bank account then follows these steps:

1)      Call to the bank that your account or credit card belongs to and tell them about issue with detail as much as possible and ask bank to help you with process.


2)      Report issue with department in charge in your country such as police or anti-fraud departments.


3)      Try to list down last place that you use credit card or website that enter information and see if you remember something suspicious.


Some best practice for online banking and using credit card:


1)      Don’t enter your information just anywhere or in any PCs.


2)      Always record down your bank phone number both for local contact and oversee contact in your contact list and always have other contact information such as your bank email account with you.


3)      If you travel oversee, see if your bank has any department there, that in case of emergency be able to contact them and also try to know about their local department in charge of handle online banking issues.


 4)     Take note and know about Anti-Fraud and online safety department in your country,




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