Online banking is a very secure and convenient way to access your bank's services. However, you need to be wary of fraudsters trying to gain access to your account. This is usually by trying to dupe you into handing over security information such as your username, passwords or your memorable information.
How to bank safely online
Never login to your bank website through a link in an email, even if the email appears to have come from your bank. Type the web address into your browser yourself.
The login pages of bank websites are secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank site.
The beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made.
- Be wary of any unexpected or suspicious looking pop-ups that appear during your online banking session.
- Stop and think about the process you normally go through to make a payment to someone – be suspicious if it differs from the last time you used it.
- Fraudsters sometimes try to trick people into making a real payment by claiming "it's just a test".
- Never give anyone your login details in full either by email or over the phone – your bank will never request these in this way.
- Check the online banking security options your bank provides; some offer free anti-virus and browser security software.
- Check your bank statements regularly and contact your bank immediately if you spot any transactions that you didn't authorise.
- When sending money via your online bank account, always double check the amount you are sending as well as the account number and sort code you are sending it to.
- Make sure your bank has your up-to-date contact details.
- Browsers often come with security features built in. Make sure they are activated.