As faster as the people life, as fast as the people mind. Today everyone of us want things to be done in fraction of seconds. We don’t want to stay in a queue for almost a day for our money transactions. 90% of the world goes online for transactions. But do everyone cares for online banking security or online transaction security.? Whatever the bank accounts we have, we do have net banking enabled in it. So before we do online banking especially in payment gateway when payment processing. Remember these 10 online banking security tips to sit safe throughout your internet banking.
10. Update Your Antivirus For Better Online Banking Security
If you don’t have anti-virus in your system, install it now. Online banking security threats are on the way to you when you don’t have internet protection. If you have anti-virus, then enable internet security. Regular update of virus database to your antivirus will help you stay cool while your online banking. You may wonder that you haven’t faced any attacks of virus since you started your online banking. But Most of the online banking security threats takes its control in payment gateway pages, especially viruses like mydoom, trojan, exploit, rootkit could infect you drastically. Therefore if your antivirus is not strong enough, you will be exposed to threat in that day.
9. Check Your Internet Connection
In the Era of G’s. Its upto you who use 2G or 3G or 4G. But whatever you choose, just check your internet connection before you do your online banking transaction. Internet connection is also another phenomenon in online banking security. If your internet that you use in your computer or smartphone is not speed enough. Cancel the online banking immediately. You can rather get back to your internet banking after your connection get restored with strong signal.
8. Update Your Contact Details For OTP
One Time Password (OTP) is one of the safest tech initiative done by almost all banks for safer online banking and online transactions. Be careful in providing contact details for your OTP. If your bank account has the mobile number that you have lost recently, immediately rush to your bank and update your contact number. Always connect your mobile number as well as your email id to receive OTP for better online banking security.
7. Open the URL Manually
When you receive any URL asking to update your bank details from your bank. Dont open it directly from clicking on it. Hacks could literally happen when you do that. While you click on the URL directly, hackers might have programmed in such a way that your information could be fetched to their database first and then redirects to your banker. So enhance your online banking security by copying that URL and open it in browser manually and then update.
6. What is Your Online Banking Password
If anyone asks this, hope you never disclose. But you must ask the same question to yourself before setting up a password. Every bank will encourage its users to set up strong password with combination of alphabets, numericals, special characters for better online banking security. You must also remember that your internet banking password should not contain your name, your spouse name, your co-applicant name, your dob, and your mobile number. Because it could be easier for hackers if you use any of these. They could work-out the combinations and probabilities with these details and can arrive at your password easily. So please don’t use these.
5. Check Your Online Banking URL
When you are doing online transactions or accessing your net banking, just check whether your URL starts with ‘https://’ and its should not be ‘http://‘. https is generally a secure server which all the banks and payment gateways must use.
4. Always Log-Out and Clear Cache
When you are done with your online banking, ensure log-out before you getup. This is one of the basic online banking security tips. But it is encouraged to clear your browser cache i,e history after you logout.
3. Check You eMail Sender Address Before You Update
You may receive emails with your OTP from your banker. or you may receive a mail asking you to click here to activate or so. When you are receiving any such mails from your banker, just check the email address you are receiving in standard formats such as ‘[email protected] .com, [email protected] .com , [email protected] . com’ . Instead it should not contain ‘[email protected] .com, [email protected] .com‘ and so on.
2. Don’t Do Online Banking in Third-Party Computers
Always prefer to access your net banking or online banking transactions in your own personal computer or own smartphone. Avoid accessing in browsing centers unless its emergency. Even if you do in browsing centers, ensure their is no camera in your place or its switched off near your system. Clear history before you get up in such centers. Also when you use other persons smartphone to do online banking. You might forget to logout or clear history. Its better to avoid such third party usage for better online banking security.
1. Don’t Refresh while Payment Transactions
This is the very basic as well as very important tips to remember while online banking. To ensure online transaction security do not refresh your page or get back while its processing. Usually an help message will appear stating not to refresh in most of the online transaction merchandise. Just follow these simple tips for better banking.