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Cybersecurity: 8 tips for homebanking
Homebanking allows you to manage your finances anytime, anywhere, but there are a few things you need to be aware of. Discover 8 cybersecurity tips for using this service.
In the midst of the digital age, most banks offer a homebanking channel for clients to manage their finances in complete freedom. This means that you can access your accounts in a quick and easy way without having to go to the Bank. However, it is important to understand the risks associated with these services and to take the necessary precautions to protect yourself. Discover 8 cybersecurity tips for using your homebanking service.
1. Use a secure network
One of the most important cybersecurity practices is to access your home banking through a secure connection. Avoid using public Wi-Fi networks such as those found in cafes, airports or hotels. They are shared by many people and lack advanced protection.
This makes it an easy target for data interception attacks. Hackers and cybercriminals can steal the financial information you send and receive during your homebanking session. So if possible, wait until you are able to use a secure network.
2. Don’t take shortcuts
Do not access your homebanking from a link in an e-mail or from addresses saved in your favourites or history. Although these types of shortcuts are very convenient, especially for those who use homebanking frequently, they can also be manipulated.
Always enter the bank’s official e-mail address in your browser. This will reduce the risk of being redirected to fake websites that look like the real thing. Cybercriminals are becoming increasingly sophisticated and can easily replicate the look and feel of a bank’s website to make you think you are on the official website.
3. Use the strong authentication system
To increase customer security, banks offer strong authentication using a security key or token code. The security key consists of several digits, but for each transaction you are only asked to enter a few of these digits in order to proceed with the transaction.
On the other hand, the token code is sent to your mobile phone and you need to enter it to validate the transaction. The big advantage of tokens is that they expire after a short time and cannot be re-used. These cybersecurity practices make it harder for criminals to do their job, even if they have your login details.
4. Be aware of phishing e-mails or text messages
Fake text messages or e-mails claiming to be from your bank asking for personal or financial information, such as passwords and account numbers, are becoming increasingly common. They usually claim that you need to update your personal details or your bank account will be blocked, creating a sense of urgency that is not the practice of banking institutions.
Remember that banks will never ask you for sensitive information through these channels, even if it is urgent. Never click on any links contained in these e-mails, open attachments, provide information or reply to these messages. The same applies to any telephone calls you receive. To confirm that it is really the bank, contact them directly and ask all your questions.
5. Turn off unused features
During your homebanking session, turn off features and services that are not necessary for the tasks you are performing. For example, turn off Bluetooth, Near Field Communication (NFC), and location services when you are not actively using them. These features can be used to access your device or obtain sensitive information.
By disabling these features, you will reduce your exposure to potential threats. It will also make it easier to manage the features you actually use, improve device performance, save battery power, and simplify settings.
6. Don't store passwords in your browser
Admittedly, it can be quite convenient to allow your browser to save your passwords so that you don't have to re-enter your login details every time you want to access your home banking. However, doing this opens up important vulnerabilities that can compromise cybersecurity.
Fraudsters can gain access to your computer and extract passwords you have on file. In addition, browsers can have their own security vulnerabilities that can compromise your bank account.
7. Log out
Make sure you log out when you have completed your transactions. If you leave your session logged in, your account will remain active, which could expose your personal and financial information to others. Don't take the easy way out and always use the "Logout”, "Sign out” or "Login” button or link and wait until you see the message that you are logged out. Confirm that you need to log in to access the site again, and then leave the site.
8. Check your account activity regularly
Check your account activity regularly to identify any suspicious or unauthorised activity, such as transactions you don't remember making or direct debits you didn't sign up for. Many banks will send you a notification if there is any movement on your account, which is a good cybersecurity practice that will help you with this check.
If you notice anything unusual, contact your bank immediately. The sooner you spot any fraudulent activity, the quicker you can act to resolve the problem and minimise any financial loss.
Banco Carregosa offers the best cybersecurity practices
These cybersecurity tips will protect you from possible attacks. This is one of Banco Carregosa’s main concerns. You can rely on the constant monitoring of a dedicated team to find the best solutions for you at all times, taking into account the best international cybersecurity practices. Contact us and rest assured that your assets are being protected.