Online Banking - Ten Watertight Tips to Protect Against Cyber Fraudsters

Security in online banking is possible! No Internet user is defenseless against attacks on personal money. These are the ten most important tips to protect against misuse of funds and accounts. One thing is clear: even if all the instructions are followed, there is never one hundred percent protection.

1. No response to phishing calls, SMS, or emails. No bank will ever ask you to disclose or enter personal account details, PIN or TAN numbers, or account numbers in this way. Contact messages on these channels should be consistently ignored. Don't open anything, don't click anything, don't answer anything. Inform your bank about such attempts at fraud to undermine security in online banking.

2. Develop a secure access password for digital banking.

3. Consistent protection of account and access data. Make sure that passwords (PIN) as well as lists of transaction numbers (TAN) are kept safe and safe from theft and copying. PIN and TAN should not be accessible to anyone - this is especially true for mobile banking. You can find out whether data should be stored digitally in the terms and conditions of your online institute. For security reasons, separate the mobile devices on which you receive mTANs from the devices on which you operate online or mobile banking. Never publish personal account information on social networks - online banking security and nudity in forums are like dogs and cats.

4. Be careful with e-commerce. Avoid buying online and entering your bank details in poorly rated online stores or untrustworthy sellers/resellers on platforms like eBay.

5. Do regular check-ups for more security in online banking. By regularly checking account statements and account movements, you avoid tampering being noticed too late. It's absurd, but keep in mind that digital statements can also be fake. Contact your bank in the event of any abnormalities.

6. Risk minimization through over drafting limits or daily limits. With transaction limits, you reduce your financial flexibility but limit the extent of possible account manipulation.

7. Online banking, if possible, only with your own hardware. If you use other computers, for example on vacation, make sure to log out after visiting the online banking portal and delete the cache.

8. Protection against Trojans & Co. Never install unknown software on your computer and protect yourself consistently against malware. Instead, install Protegent free antivirus software that provides advanced layers of protection. This is how malware and virus protection works.

9. Only conduct banking transactions via secure or encrypted connections. For every online banking transaction, you should make sure that the browser displays the HTTPS: // protocol . Security also offers a security certificate, which is displayed with a lock icon behind the browser URL. By clicking on the symbol and checking the information displayed, banking customers can identify abnormalities and tampering. Domains are checked for the trustworthiness of the installed certificate via portals such as SSL Trust. Encryption software and encryption hardware offer further protection for the best possible security in online banking.

10. Mobile banking only via secure WLAN connections and with protected mobile devices. Bank transactions via WLAN should only be carried out using the secure WPA 2 standard (with a password of at least 20 characters). The mobile end devices ready for banking should have the latest software updates installed and have up-to-date protection against Trojans, worms, spyware, etc. - for example from providers such as Malwarebytes. Also, the chipTAN or smartTAN procedure is security-relevant for mobile banking.