How can you bank securely?

 

1. Safe Banking via an app

Nowadays you can easily bank via an app on your smartphone or tablet. It's fast, convenient and easy. And safe! It's just as safe as on a computer. That's because there is a security check on every banking app. The app is always protected with a unique verification code. And you can only access your bank account with that personal code. There is no known bank app fraud case so far. It is safest if you download the banking app of your own bank from the official app store of your smartphone.

How does it work?

Go to your bank's site and find out how to sign up for the mobile banking app. When you have registered, you will receive security codes from the bank. Banks ensure that mobile banking is very secure and difficult to abuse. Tip: it is better not to use public Wi-Fi networks for internet banking.

2. Safe banking on a tablet or iPad

You can download an app for your iPad or tablet at almost every bank. You can then choose from the App Store for the iPad and for an Android device you choose Google Play. Then follow the instructions on your bank's site. It is quite easy to arrange. 

3. Safe online banking

Banking on your own computer at home is simply safe. However, if you are out of the house, it is better not to do online banking. Visit here for digital banking solutions, You then use other networks and you never know whether they are secured or whether you have no snoopers. If you bank at home on your own computer, always check if the website starts with https -> the 's' behind it indicates that it is a secure connection. Also check if you see a 'lock' in the address bar - then it is certainly safe.

Safe use of Tikkie (or a payment request)

Via the app you can easily send or receive a payment request or Tikkie. Read how it works at your own bank. Then download and install the app and you can get started. Be careful with Tikkie and other payment requests! To be sure, always check the link and if you don't trust it, don't.

5 tips for safe banking:

1. Your computer safe

It is best to always use your own computer for internet banking. Make sure your computer system is and remains safe by always installing updates. You can set it to do that automatically. Also, only install applications or programs that you can trust. It is therefore better not to do internet banking in internet cafes, at work, or in another public place.

2. Your data is safe

Keep your codes safe. Make sure you never get into the hands of someone else. Also make sure that others cannot watch and read along with what you are doing. Check your bank account regularly. Do you see a transaction that you do not recognize? Call your own bank. If you need a password, make up a complicated one. In short: be careful with your data!

3. Your network safe

It is better not to bank when you are out of the house and you do not know whether the network can be trusted, even at work. Your own network at home is safe, and you never know outside of it. Even though it is said to be safe, it is better not to do it. 

4. The link safe

Pay attention to the link to your bank. Is there an 's' behind it? Then it is a secure connection. There is therefore a lock in the bar. Check the name of the bank. If you don't trust the link, don't continue. And: you can always ask your bank for advice.

5. Your pin code safe

Never pass on your PIN. To no one. Also not online, unless you want to log in to your own bank. Official authorities will never ask for your pin code, not even your own bank.

4 things you should never do

Debit card fraud or 'Your card has expired'

This happens very often nowadays: you receive a text message that you have to send your bank card to an organization, such as a recycling company. In addition, you must enter your pin code on the website of your bank. But: it is a fake website, although it looks a lot like the site of your own bank. Don't fall for it and throw it away immediately. Do not send your bank card. A bank never asks you to send your card. And never pass on your pin code (not even to a website). The latest notification is that you will receive a call or a message that you can exchange your bank card for an antibacterial card. Nonsense! Don't go into it.

Weird phone calls

It may happen that you are called by your 'bank' or by another company and you are asked to send your card. Or they ask through a whole story to provide your pin code. They may also send a question about your credit card, looking for the number. Do not reply! Curd. Are you in doubt? Call your own bank.

Fake emails or phishing

A very popular form of obtaining data is also via fake emails or fake emails. Criminals pose as employees of a bank, a company or a government agency. They try to get your data and eventually rip you off money. Sometimes it also spreads viruses. There is usually a link in the email or an attachment that you have to click on. Nowadays, this is increasingly done via a text message or an app. Be carefull.

Have you received such an email, text message or app? Contact your bank and report it.

Scam via 'acquaintances'

You receive a payment request from someone you know (for example your son) whether you want to transfer money to her new bank account. He normally never does this. Do not! It could be criminals who pretend to know you and send a message on behalf of someone you know via Facebook, WhatsApp or Messenger. First, contact the person requesting the money personally and check whether the message is correct.

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